Keep coverage unchanged while measuring savings
A discount should not be credited with savings that actually came from raising the deductible or reducing coverage.
Verify the discount on the quote
Do not rely on a “save up to” marketing number. Record the premium before and after the discount when the quote shows it, and note any eligibility condition.
Common discount categories to ask about
Discount availability varies by carrier and state, but common questions include protective devices, multi-policy relationships, claims history, billing method, advance quote, or other insurer-specific programs.
Related Reading
Reference Sources
Use public insurance resources and your policy documents to confirm definitions, consumer contacts, and coverage limits before buying or filing a claim.