Auto Insurance Discounts

There are various ways to save money on your auto insurance. Insurance companies offer specific discounts, provide account credits, or consider multiple preferential rating factors that you may or may not be eligible for, which can reduce your premium. When considering discounts, it’s important to remember that you need to look at the combined discounts for all your policies. Simply “getting a discount” doesn’t necessarily mean it’s going to be the best option for you.

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Auto Insurance Discounts and Ways to Save Money

There are situations when you could realize more substantial savings or have better coverage through a carrier that doesn’t provide the same discount structure. Our trusted professionals provide you with guidance on evaluating a wide variety of options so that you can make informed decisions. Contact us for details about any of these discount opportunities. Some of the discount and rating factors considered by carriers include:

Auto and Home Package Discount

You can often save up to 20% on auto insurance when your auto and home (homeowners, condo, or renters) policies are with the same insurance company. Most companies provide an additional discount on your home policy to make the savings substantial.

Multi-Car Discounts

You can often qualify for a discount if you and/or your spouse/partner insure two or more cars and meet certain requirements.

AAA Member or Other Motor Club

Some insurance companies provide a discount to members of qualifying motor clubs, such as AAA, Cross-Country, GM Motor Club, Onstar, and others. If you are a member of one of these clubs, please let us know.

Anti-Theft Device

Many new vehicles come with factory-installed anti-theft devices; you can install additional devices. Depending on what you have installed, you can qualify for a 5%-35% anti-theft device discount on Comprehensive Coverage. Review the Anti-Theft Device Discount Verification Form for details on specific anti-theft devices and applicable discounts, and talk to a trusted Murphy Insurance professional to make sure we are aware of anti-theft devices in your vehicles.

Group Discounts

The Mass Division of Insurance approves certain interest groups for special auto insurance discounts. Please take a moment to review the complete Group Discount Programs below, and if you are a member of a qualified group, be sure to let us know so that we consider it when comparing auto insurance options for you.

Low Mileage Discount

You can qualify for a low mileage discount if you drive less than 5,000 miles per year. Some carriers will provide a low mileage discount if you drive 7,500 or 10,000. To receive this discount, you must verify your low mileage by submitting an Annual Mileage Discount Form.

Good Student Discount

Some insurance carriers provide a “good student discount” on qualifying policies for a high school or college student who maintains a grade average of “B” or 3.0 or better.

Student Away Discount

In qualifying situations where a student residing in your home is away at school, some insurance companies may provide a discount because the student is driving a vehicle less.

Loyalty Discounts

Some companies reward customers with reduced rates or discounts depending on how long you have had your insurance with their company.

Age 65 or Older

After all other discounts and rating factors are applied, if you are age 65 or older, you can receive an additional discount.

Basic and Advanced Driver Training Course

New drivers may qualify for a discount if they take a basic training course. Also, certain carriers provide a specific discount or consider it a preferential rating factor if you have completed a qualified advanced driver training program, e.g., In Control Advanced Driver Training.

Hybrid Vehicles

Some companies offer discounts or preferential ratings if you drive a hybrid vehicle.

Organizations and Groups Offering Auto Insurance Discounts

For certain qualifying groups, employers, and organizations, an insurance company can obtain permission from the Massachusetts Division of Insurance to provide a unique “group discount” to qualifying group members.

Remember that group discounts can save money; however, there might be a better option even without a group discount. Our trusted professionals always seek to provide you with the best value, which may or may not involve a group discount. But, to ensure we consider all money-saving options, please let us know if you are eligible for a group discount.

Have You Donated to One of These Organizations?

Clear Path for Veterans of New England – $50 minimum donation required – Offered by Safety Insurance
Pan-Mass Challenge Mapfre Partnership – Offered by Mapfre Insurance, the official auto insurance provider for the Pan-Mass Challenge. If you are Mapfre insured and make a $50 (or more) donation to PMC, you are eligible for a discount on a new auto policy provided your donation is made at least 30 days prior to the quote date. To maintain this discount, proof of a donation made at least 60 days before your policy renews each year must be provided. Learn more and donate to qualify >

For new auto insurance customers, your PMC donation must have been made at least 30 days prior to the date you received your auto quote. For existing customers, PMC donations must be made at least 60 days before your policy renews each year to continue receiving the Pan-Mass Challenge discount.

Do You Belong to One of These Groups?

This list includes group programs that qualify for auto insurance group discounts. Please let us know if you are affiliated with one of these groups.

AAA – Member – offered by Mapfre, Plymouth Rock Assurance, Preferred Mutual
AARP – Member – offered by Plymouth Rock Assurance
Acton Boxborough Education Association – Member – offered by Safety Insurance
Boston University Law Alumni Association – Member – offered by Safety Insurance
Certified Public Accountant – Member – offered by Mapfre
Clarke Schools for Hearing and Speech – Employee – offered by Safety Insurance
Concord Chamber of Commerce – Member – offered by Safety Insurance
Curry College – Employee – offered by Safety Insurance
Digital Credit Union – Member – offered by Mapfre
Fitchburg State University Alumni Association – Member – offered by Mapfre
Hudson Education Association – Member – offered by Mapfre
IC Credit Union – Member – offered by Mapfre
Massachusetts Association of Realtors – Member – offered by Mapfre
Mass General Brigham – Employee – offered by Plymouth Rock Assurance
Massachusetts Bar Association – Member – offered by Safety Insurance
Massachusetts Institute of Technology Alumni Association (MITAA) – Members – offered by Mapfre
Massachusetts Medical Society – Member – offered by Safety Insurance
Massachusetts Youth Soccer Association (MYSA) – Member – offered by Mapfre
Professional Fire Fighters of Massachusetts – Member – offered by Safety Insurance
Safe Roads Alliance (In Control Advanced Driver Training) – Member – offered by Safety Insurance
Safety Insurance Company – Employee – offered by Safety Insurance
SBLI – Member – offered by Plymouth Rock Assurance
St. Anselm College Alumni Association – Member – offered by Safety Insurance
Staples Massachusetts Employees – Employee – offered by Mapfre
State Police Association of Massachusetts – Member – offered by Safety Insurance
Town of Natick – Employee – offered by Safety Insurance
WBUR – Member – offered by Plymouth Rock Assurance
Westfield State University Alumni Association – Member – offered by Mapfre
Worcester State University Alumni Association – Member – offered by Mapfre

NOTE: The discount information is only a general description of the available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Some coverage may be subject to individual insureds meeting underwriting qualifications and to availability within a state. Discount options can change at any time. The information provided above is accurate as of August 7, 2025. For further information, contact us at Murphy nsurance Agency.

Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

Auto Insurance Discounts