Affirmative Auto Insurance Discounts

Affirmative Auto Insurance coverage is available in 11 states, with the largest customer bases in California, Texas, Missouri, South Carolina, Indiana, Florida, and Illinois. The company's goal is to provide basic car insurance coverage at affordable rates for those who may have trouble finding affordable insurance through standard insurance companies.

Affirmative only offers a few select discounts on its premiums because the company spends its time focusing on keeping its regular premium rates down for all customers, not just those who qualify for a few specific premium discounts. Affirmative offers several different rates based on a customer's specific information rather than setting discounts based on certain qualifying factors.

Good Student Discounts

College and high school students under the age of 25 could qualify for good student discounts through Affirmative. Students must maintain at least a 3.5 or B grade average each semester in order to qualify for the discount. If a student qualifies, Affirmative will reduce the annual insurance premiums by as much as 5%. Students who fall below the required grade point average in a semester will lose their discount for that semester, but they will have an opportunity to reinstate the discount by improving their grades in the next semester.

Although many insurance companies offer additional discounts for students who leave their cars at home while they are attending school away from home, Affirmative does not include that feature as part of its good student discount coverage. Discounts are based solely on a student's grade point average.

Senior Discounts

Senior citizens age 65 and older can take advantage of the Affirmative senior discount. Seniors who agree to take a physical driving test on a course that is approved by Affirmative can earn as much as 5% off their annual insurance rates. Drivers must pass the driving test each year to receive the discount. The driving course confirms confirm the driver's ability to react quickly and drive defensively in realistic situations. Older drivers can save money and confirm their ability to drive safely behind the wheel through this program.

Multiple Car Discounts

Drivers of any age can take advantage of the Affirmative Auto Insurance multiple car and multiple policy discounts. If there are multiple drivers in a single household and two or more drivers choose Affirmative, they will receive up to 18% off on their annual car insurance premiums. The drivers must list the same residence as their primary home, and the drivers must be related either by blood or by marriage. Many families take advantage of this discount for spouses or children who live at home and drive separate cars. Each driver receives a discount, so the savings applies throughout the family.

Better Rates for Non-Standard Policies

The real savings for Affirmative customers are in the premiums that Affirmative offers for non-standard drivers. Drivers who have trouble finding insurance because of problems with their driving records or the type of vehicles they drive can find insurance through Affirmative. Those who have been involved in several accidents or received multiple traffic tickets will automatically save on their insurance rates through Affirmative. Drivers who own unusual or vintage cars can also benefit from purchasing insurance through Affirmative. Since the company focuses on providing specialty insurance policies, they can offer lower rates than standard companies offering a wider range of policies.

Common Discounts Not Offered

Since Affirmative specializes in non-standard coverage, the company does not offer some discounts that are common at other insurance companies. For example, Affirmative does not offer any discount for having anti-lock brakes or other special safety equipment installed on your vehicle. Anti-theft devices are also not included in any discount packages. There are no low mileage discounts, carpooling discounts, or group plans. Affirmative only offers simple, straightforward discounts on their overall premiums rather than splitting the discounts up over several different types of qualifications.

Basic Coverage is Less Expensive through Affirmative

If you are a driver with a standard vehicle who has a good driving record, you may not benefit as much from the discounts offered through Affirmative. The drivers who get the most from Affirmative insurance policies are those who do not fit well into the standard policies offered by traditional insurance companies. Affirmative serves those who fall into categories not typically covered cost-effectively by traditional car insurance policies. The savings offered through Affirmative on non-standard insurance policies can be significant compared to similar coverage through a traditional car insurance company, regardless of the reason for the non-standard coverage.