Discounts and Credits

for Your Auto Policy

Central offers a number of discounts and credits for eligible policyholders* to help you save money on your insurance.

Package Credit
A credit is available if both your automobile and homeowners coverages are written with Central.

Enroll in both our E-billing and E-policy options and receive a $5 credit per policy annually.

Customer Loyalty Credit
Earn a premium credit after your first two consecutive years with Central up to a maximum 10 percent discount after ten years of longevity.

Insurance Score
Discounts are available to policyholders who have excellent insurance scores as determined by your consumer credit information.

Payment Timeliness
Receive a credit on your renewal policies if you've had no cancellation notices for non-payment.

Higher Deductibles
Receive a credit for selecting a higher deductible on your policy.

Elite New Policy Discount
Receive a discount on your new Central auto policy if you carry higher liability limits and have no accidents, a high insurance score, and minimal traffic violations.

Paid in Full
Receive a five percent discount when you choose to pay your auto premium annually.

teenSMART® Discounts
When your teen driver enrolls in and completes the teenSMART Driver Safety Program, we'll discount your teen's auto insurance premium. For more information about the discounts available, contact your independent insurance agent. To learn more about the teenSMART Driver Safety Program, visit the teenSMART website.

New Teen Driver Family Loyalty Discount
When you add a teen driver to your auto policy, you'll receive a discount based on how long you've been a Central customer.

Vehicle Safety Features
Credits are available for passive restraint and antitheft devices which are original equipment manufacturer or aftermarket installed.

Accident Prevention
A credit is given to specified operators who complete an approved accident prevention course within the past 36 months.

*Discounts and credits are not available in all states. Please check with your Central agent to verify eligibility.