Auto Insurance Discounts

Your auto insurance policy offers a variety of discounts to help you save money on your policy. From policy discounts to good driving habits, here are some ways you can cut down on car insurance costs.

Explore all available discount options

Policy Discounts

  • Multi-Car

    Customers who own and insure two or more private passenger vehicles on one policy with Alfa will receive a discount.

  • Life Insurance

    Customers with a qualifying Alfa life insurance policy receive a discount.

  • Home Ownership

    Customers who provide evidence they own their home receive a discount.


Driver Education

Steering Wheel

Defensive Driver Discount

You may be qualified to save even more on your premium if you’ve taken a defensive driving course. Or, take a qualified Motor Vehicle Accident Prevention Course today and receive a discount on your policies.**

**You have to be older than 55 to participate in Alabama and Mississippi.

Grades

Youthful Operator Discounts

Unmarried drivers ages 16 to 24 years old with evidence of qualifying grades receives a discount.

Pass

Driver Training Discounts

All drivers ages 16 to 20 years old receive a discount when they successfully complete an acceptable driver education course. This discount cannot be given in addition to the Youth Defensive Driving Discount.

Hand Sing

Youth Defensive Driving/Safety Discount

We give qualifying, unmarried drivers ages 16 to 20 years old a discount for passing the Youth Defensive Driver or Youth Safety Test. This discount cannot be given in conjunction with any other discounts.

Youth Defensive Driver Test: Alabama | Mississippi

Youth Safety Discount Test: Georgia


Occupational Discounts

Occupational Discounts for Educators

Because children are our future, it takes special people to touch their lives and encourage them to become responsible, educated adults. Alfa Insurance® applauds our teachers for making a difference in every child’s life, and we’re proud to offer a teacher discount to those who impact the children of today for tomorrow’s future.

Qualifications

  • Must be a full-time teacher or professor employed by a public, private or vocational school, or a college or university
  • Available to Alabama and Mississippi certified teachers and professors
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Military & First Responders

Being a member of the military or a first responder is an immense responsibility. While others run away from disaster and destruction, you answer the call for aid. While you’re busy protecting our country, putting out fires, rescuing others, navigating floods or whatever other obstacles your job throws at you, let us handle your auto insurance.

Qualifications

  • Must be an active military personnel, firefighter, law enforcement or first responder in Alabama
military guy in camouflage

State or Federal Employees

Being a government or state employee is no easy job and is hard to define when it comes to job descriptions — do you work for the Department of Transportation or the CIA? No matter what position you hold, if you’re an employee who’s a part of a specific membership organization, we’ll offer you a discount. We take pride in offering an affinity discount to those who protect and preserve our state and country.

Qualifications

  • Must be currently employed by the state or federal government in Alabama
greek palace

Ministers

A job in ministry involves a lot of driving, moving from one place to another in service to the society. Whether you’re involved in planning memorials, officiating a wedding or conducting prayers for the sick, we appreciate what you do to make a difference in the lives of others.

Qualifications

  • Full-time ministers who pastor a church and have no other occupation will be given a discount on their insurance for the vehicle used in their ministry only
  • Full-time ministers of music, youth or education who have a degree and no other occupation will be given a discount on the vehicle they use in their ministry
  • Available to ministers in Alabama
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Farmers

Agriculture is one of the most important industries in the United States. After all, America is fed and fueled by farmers, ranchers and producers. It involves a lot of hard work and it’s not without risks. At Alfa®, we understand your business and can help you save on your auto insurance by providing a discounted rate to farmers.

Qualifications

  • The car must be owned by an active farmer, principally garaged on a farm
  • The policyholder must derive income from the farm operation
  • The farmer must live on the farm and be regularly employed by only one farm business
  • Retired farmers must be currently insured with Alfa upon retirement in order to maintain farm rates
farmer

Safety Features Discounts

  • Air bags

    You could receive up to a 25 percent discount if your vehicle is equipped with air bags. This discount is applied to the medical payment coverage portion of your auto insurance premium.

  • Anti-theft devices

    Vehicles with an anti-theft system could receive up to a 10 percent discount on the comprehensive portion of your insurance premium. Ask your agent today about what types of devices qualify for this discount.

*Discounts may vary based on rating structure. Contact your agent for more details.


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