Discounts | Auto Insurance | Shelter Insurance®

Discounts

Discounts

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Switch and Save Discounts

Our Switch and Save discounts are designed for new customers who transfer their car insurance to Shelter from another insurance provider. They include the following:

Prior Carrier Tenure

Available to select vehicles based on the length of time your prior auto insurance policy was in force.

Prior Coverage Selection Discount

Available to select vehicles based on the selected limit of liability coverage on your prior auto insurance policy.

Evidence of Continuous Insurance Discount

Available to select vehicles with active prior coverage.

Save Money without Sacrificing Coverage

Everyone likes to get a discount, and at Shelter, we offer a wide range of them. The discounts listed below may not be offered in all states, or may be offered under different terms. Check with a Shelter agent to find out which discounts apply to you.

Loyalty Discount

A discount available to renewing policies for select vehicles based on the number of years the policy has been in force.

Length of Ownership Discount

Available to select vehicles based on the number of years you have owned the vehicle.

Companion Other Vehicles Discount

Available to select vehicles if you have other qualifying Shelter non-private passenger vehicle policies.

Companion Life Policy Discount

May apply to all Private Passenger vehicles if the named insured on the automobile policy is the owner or named insured on a qualifying individual life insurance policy. This discount will only be available for policies qualifying for the Companion Property Policy Discount.

Companion Property Policy Discount

Available to select vehicles if you have a Shelter Homeowners, Farmowners, Mobile Homeowners, Owner-Occupied Dwelling Fire or Farm Fire Policy.

Safe Driver Discount

Available to customers who have been accident and violation-free for the past three years. It may even be increased if you are accident and violation-free after six years of maintaining this safe driver status. 

Good Student Discount

Primary drivers who qualify as good students (based on class rank, grade average or academic honors) may qualify for a discount on their overall premiums. The student must have an active license and provide proof of qualification before age 19. A good student discount can be renewed as long as the driver remains an unmarried full-time student under age 25.

Pay in Full Discount

Available to drivers who pay their premiums in full every six months or annually instead of monthly.

Passive Restraint Discount

Available for cars that have factory-installed airbags.

Accident Prevention Course Discount

Premiums may be reduced if you are the primary driver of a vehicle on your policy and you complete an accident prevention course.

Driver Training Course Discount

Premiums may be reduced in some states if every driver in the household under age 21 has completed an approved driver's education course.

The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.