Discounts to Help You Save with Shelter

Shelter Insurance® has a variety of discounts, all designed to help save you money on your car insurance. Discounts can vary by state, so check with your local Shelter agent to find out what works for you.

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:

• Prior Carrier Tenure Discount - 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.

Discounts for Current Customers
We appreciate our current customers and offer these discounts:

• 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
• Pay-in-Full Discount – Available to drivers who pay their premiums in full every six months or annually instead of monthly.

Safe Driver & Good Student Discounts:

• 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.
• 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. Not available in all states.

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