Drivers who shop their auto insurance with Toro Insurance Group and save pay less on average in their first year. That’s no accident. From the moment you start a car insurance quote to the purchase of your policy, we’re all about finding you auto insurance discounts and saving you more.
Loyalty-based discounts
Multi-policy
You’ll save when you have two or more policies. If you take out multiple types of insurance from the same company, you spread your risk out for the insurance carrier. The multi-policy discount is one of the biggest and best discounts given by insurance companies.
Multi-car
Save if you have more than one vehicle listed on your policy. Remember, you can add any car to your auto policy (belonging to a spouse, family member, roommate, etc.), as long as it is kept primarily at your address.
Continuous insurance
Carriers honor the time you’ve spent with a previous insurer, so you won’t have to worry about losing any longevity benefits when you switch. Your actual discount value will depend on how long you’ve been consistently insured with no gaps or cancellations.
Driver-based discounts
Telematics: Big discounts for good drivers
Telematic programs personalize your rate based on your actual driving. The safer you drive, the more you can save.
Teen driver
You may have heard adding a teen driver to your policy may increase your price. We’ll help you offset the cost a bit with our teen driver discount (driver must be 18 years or younger). Learn more about car insurance for teens.
Good student
A smart student makes you a smart shopper. Add a student on your policy who maintains a “B” average or better, and we’ll add a car insurance discount. You’ll also earn a discount if you have a student on your policy who is in college, more than 100 miles from your residence, and is 22 years or younger.
Distant student discount
If you have a full-time student on your policy and they’re more than 100 miles from home, you’ll receive a discount—as long as they don’t have a vehicle while away at school.
Homeowner
You’ll get another discount simply for being a homeowner, even if your home is not insured through the same carrier.
Discounts for how you quote and buy
Sign online
Another easy discount anyone can earn. If you’re comfortable signing your documents online, you may receive another discount.
Paperless
Simply opt to receive your documents via email, and you could possibly receive a discount. This is dependent on signing your documents online, and is in addition to the sign online discount.
Pay in full
If you can pay for your six month or year policy up front, you’ll earn a discount.
Automatic payment
Pay in full not quite right for you? That’s okay! When you purchase your policy, you’ll receive a discount for setting up automatic payments from a checking account. You cannot combine the automatic payment and pay in full discounts.
More ways for car insurance savings
Avoid tickets and accidents
Safe driving equals more savings. If you’ve had no tickets or accidents in the past three years, your policy price could be lower compared to customers who have accidents or violations.
Accident Forgiveness
Accident Forgiveness is an additional coverage that you may qualify for that can be added to your auto insurance policy, where your price won’t go up due to your first accident. We offer this benefit if you are accident free and violation free for five years, whether you’ve been with Liberty Mutual Insurance or a prior insurance carrier.