What Discounts Does National General Offer for Auto Insurance?
Last Updated on February 5, 2026
National General offers a variety of auto insurance discounts, from payment and paperless savings to multi-vehicle, telematics, and vehicle-safety credits. The exact discounts (and how much they save) vary by state, policy type, and underwriting—so the best approach is to ask which discounts you qualify for and make sure they’re actually applied to your quote.
Below is a practical breakdown of the most common National General discount categories, what typically triggers them, and what you may need to provide.
- Discount Availability Varies by State and Policy: The same named discount may be offered differently depending on where you live and what product you’re quoted.
- Payment Choices Often Unlock Easy Savings: Pay-in-full, auto-pay, and paperless delivery can reduce fees and help prevent coverage lapses.
- Telematics and Mileage Can Move the Needle: Low-mileage drivers and safe drivers may qualify for meaningful savings, but tracking requirements can continue through renewal.
- Always Verify Discounts Are Applied: Ask the agent to list every discount on your quote and re-run pricing when you change deductibles, vehicles, or household details.
National General Discount Overview
| Discount Type | What It Usually Rewards | What You May Need to Do |
|---|---|---|
| Payment & billing | Lower admin costs and fewer missed payments | Choose pay-in-full, enroll in auto-pay, and/or go paperless |
| Policy & household | More than one vehicle or related policies with the same insurer | Add eligible vehicles and keep address/driver info consistent |
| Driving behavior (telematics) | Safer driving habits and/or lower annual mileage | Enroll in a telematics program and keep tracking active |
| Driver profile | Strong driving record, training, and other rating factors | Provide course completion (if applicable) and keep violations down |
| Vehicle-based | Safety features and anti-theft equipment | Confirm features by VIN or provide documentation if requested |
Quick tip: When you compare quotes, ask the agent to re-run your price with and without optional programs (like telematics) and with different deductibles. Small changes can reveal where the real savings are—and what tradeoffs come with them.
Payment and Billing Discounts
Paid in Full Discount
Many drivers can reduce fees and sometimes earn a small discount by paying their policies in full upfront (instead of monthly installments). If cash flow allows, ask your agent whether a 6-month or 12-month pay plan costs less overall.
Automatic Payment Discounts
Enrolling in automatic payments can sometimes reduce billing fees and help you avoid accidental lapses. Even when the price difference is small, auto-pay can protect you from missed-payment cancellations.
Paperless Discount
Some policyholders can save by switching to electronic documents and billing. If you haven’t already opted in, ask about paperless billing discounts and whether the discount applies immediately or at renewal.
Online Quote Discounts
Requesting a quote online is a convenient way to compare pricing and coverage options. Even when there isn’t a separate “online quote” discount, the process can help you quickly spot which coverages or deductibles are driving the premium.
Household and Multi-Policy Discounts
Multi-Vehicle Discount
If you insure multiple vehicles with National General, you may qualify for a discount across eligible vehicles. In many cases, vehicles and drivers must be primarily garaged at the same address—so make sure your garaging and driver details are accurate.
RV Discount
National General also insures alternative vehicles, including RVs. If you carry RV and auto coverage with the same carrier, you may qualify for a multi-vehicle-style discount and simpler policy management (one account, fewer due dates).
RV and Auto Same Accident Discount
This feature is most relevant when your RV and a towed vehicle are involved in the same covered accident (for example, a vehicle being hauled behind the RV). Instead of paying separate deductibles on two claims, you may only owe one deductible when both vehicles are insured together under qualifying coverages.
Motorcycle Discounts
National General may offer savings for motorcycle riders (such as safe-rider or multi-cycle style discounts), depending on the state and product. If you’re comparing costs, it also helps to understand whether it’s cheaper to insure a motorcycle or a car for your specific situation and coverage needs.
Driver and Usage-Based Discounts
Defensive Driving Course Discount
In certain states, completing a defensive driving or approved training program can qualify you for a discount—especially for mature drivers or specific policy types. If you’ve taken a course recently, confirm how defensive driving course discounts work in your state and whether the certificate must be renewed periodically.
Safe Driving History Discount
Most insurers reward a clean driving record, but the “lookback” period can differ by state and insurer. If you’ve avoided accidents and moving violations for several years, ask whether you qualify for a good-driver rating tier—and keep the habits that insurers care about in mind by reviewing safe driving best practices.
Low Mileage Discount
If you drive well below typical annual mileage, you may qualify for a low-mileage discount—especially if you work from home, commute infrequently, or have a secondary vehicle. To understand whether your driving is considered “low mileage,” start with how many miles the average American drives each year, then review how low mileage discounts work.
National General may also require mileage or driving verification through a telematics program (often app-based). If your quote includes a usage-based program, review what to expect from SmartDrive and ask whether tracking must remain active through renewal to keep the discount.
Affinity Discount
Some policyholders qualify for savings through employer groups, alumni associations, professional memberships, or other affiliations. If you belong to any organizations, ask which groups commonly offer auto insurance discounts and whether proof of membership is required.
National General SmartDiscounts
National General may group multiple savings opportunities under a discount “bundle” or program name (sometimes presented as SmartDiscounts). Treat this as a checklist: ask your agent to confirm which underlying discounts are included, which ones require action (like telematics enrollment), and whether they apply now or only at renewal.
Life Change Discounts
Some premium changes aren’t “discounts” in the traditional sense—they’re rating adjustments triggered by updated information. After major life events, it’s still worth asking for a re-quote, especially if you moved to a new ZIP code, recently started owning a home, or changed your household status (for example, getting married).
Vehicle-Based Discounts and Policy Choices
Anti-Theft Discounts
If your vehicle has factory anti-theft equipment (or you’ve added aftermarket protection), you may qualify for anti-theft discounts. Ask how the insurer verifies equipment (often by VIN) and whether certain devices qualify more than others.
Safety Feature Discounts
Many insurers price policies partly based on crash-avoidance and occupant-protection features. If you’re shopping for a car—or verifying your current vehicle—review which safety features can impact auto insurance. Depending on the vehicle and state, discounts may apply for items like airbags, anti-lock brakes, and connected safety/assistance systems such as OnStar.
Higher Deductible Discount
Raising your deductible is one of the most direct ways to reduce premium, but it increases what you pay out of pocket after a covered loss. Before increasing deductibles, understand how claims can affect pricing—especially whether comprehensive claims raise rates and how much rates can rise after a collision claim.
If you decide the higher out-of-pocket risk is worth the monthly savings, follow a structured approach to raising your deductible to save on car insurance (for example, choosing a deductible you could comfortably cover from savings).
Good Credit-Based Discounts
In many states, insurers can consider credit-based insurance scores as part of pricing, which can translate into lower premiums for drivers with stronger credit profiles. However, some states ban or restrict this practice, and rules vary by state. To understand the basics, review how credit scores can affect car insurance rates and check your state’s current regulations if you’re unsure.
Optional Add-Ons That Can Change Your Total Cost
Roadside Assistance Discounts
Roadside assistance is usually an add-on coverage rather than a discount, but it can still affect what you pay overall. If you’re considering it, start with the basics of emergency roadside assistance coverage, then compare options like National General’s roadside assistance program.
Confirm what’s included (and any limits) for common services such as fuel delivery and locksmith services. Sometimes the better value is choosing the right plan level—not just adding the cheapest option.
If you want help confirming eligibility or making sure the right discounts are applied, use this guide to prepare questions and then contact National General (or your agent) to review your options.
