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Car Insurance Discounts

Automatic & instant! We’ll apply discounts as soon as you start a quote.

The average driver who switches to Southwest Federal Insurance Company saves $620.* Boom! That’s well over half a grand and could be just the beginning. If you score extra discounts, you could save even more. Just get an auto insurance quote and see how many you can earn. Discount auto insurance made easy.

Southwest Federal Insurance Company’s famous ways to save

Bundling auto & property

You can save another 5% or more when you combine auto with home, renters or condo (savings applied on your auto policy).**But, you can also bundle many other policies: auto & motorcycle, boat & homeowners. You name it. You may get extra discounts for each. See more on bundling insurance.

Snapshot: BIG discounts for good drivers

Snapshot® is a program that personalizes your rate based on your actual driving. The safer you drive, the more you can save. See more on Snapshot.

Compare auto rates

Compare the exact same coverages at a handful of companies and instantly see the best price. We’ll show our rate first, then let you compare it against competitors’. See more on comparing rates.

Try the Name Your Price Tool®

You get to tell us what you want to pay! Try it and then we’ll show a range of coverages in your budget. See more on the Name Your Price Tool.

1. Start your quote online

Average discount: 7%†

This is the easiest one of all. You’ll still get this discount even if you start online and then buy on the phone.

2. Safe driver

Average discount: 31%††

This is one of our BIGGEST discounts. If you haven’t had any tickets or accidents for the last three years, you can lower your price by nearly a third.

3. Multi car

Average discount: 10%‡

Got a second car, friend or family member who drives? Then you have another discount. You can combine auto policies with literally anyone you live with, even if you’re not related.

4. Homeowner

Average discount: varies**

You’ll get another discount if you own a home, condo or mobile home (even if it’s not insured by Southwest Federal Insurance Company).

5. Continuous insurance

Average discount: varies**

Valid if you’ve consistently maintained active car insurance with no gaps or cancellations, even if you were insured by someone else. Your actual discount value depends on how long you’ve been consistently insured.

6. Sign documents online

Average discount: 7%§

This is another easy discount anyone can earn. After you buy your policy, we’ll prompt you to sign your documents online.

7. Pay in full

Average discount: varies**

Instead of paying monthly, you can pay for your full six-month policy up front.

8. Automatic bill pay

Average discount: varies**

Pay in full not quite right for you? That’s okay! When you purchase your policy, you can set up monthly automatic bill pay for another discount. You cannot combine the automatic bill pay and pay in full discounts. But, you’ll be able to see how much each is worth before you buy.

9. Good student

Average discount: varies**

A smart student makes you a smart shopper. Add a student on your policy who maintains all B’s or better, and we’ll add a discount. Plus, we’ll add another discount if you have a child on your policy away at college or another school (as long as it’s more than 100 miles from home and the student is 22 or younger).

10. Minor child driver

Average discount: varies**

Add your newly licensed teen driver to your policy, and you’ll add this discount (as long as your child is 18 or younger).

What drivers love about our car insurance discounts

  • 95% of our customers earn at least one discount
  • There’s no limit to how many discounts you can earn
  • Discounts don’t change your actual coverages. It’s just straight discount car insurance without sacrificing coverages or increasing deductibles

Of course you want to save as much as you can. But the only question is, do you want the lowest possible rate (even if that means lower coverages)? If so, check out our cheap car insurance tips.