Discount Checklist for Clients

Maximizing your insurance savings is all about "stacking" discounts. In the insurance market, many of these savings are hidden unless you explicitly ask for them or make a small update to your home or driving habits.

Here is a checklist to ensure you’re getting the lowest possible premium from the Wyant Insurance team:

🚗 Auto Insurance Discounts

●     [ ] Bundle Your Policies: This is usually the single biggest saver (often 15%–25%). Combine your auto with home, renters, or even a life insurance policy.

●     [ ] Telematics (Safe Driving Apps): Enroll in programs like State Farm’s Drive Safe & Save or Progressive’s Snapshot. You can save up to 30%–40% just by proving you’re a safe driver via a smartphone app.

●     [ ] Pay-in-Full: Paying your 6-month or annual premium upfront instead of monthly can save you 5%–10% in "installment fees."

●     [ ] Good Student Discount: If you have a driver under 25 in school with a "B" average (3.0 GPA) or higher, send us their report card!

●     [ ] Student Away at School: If your student is away at college (usually 100+ miles) without a car, you can get a significant rate reduction.

●     [ ] Defensive Driving Course: Completing an approved safety course can often trigger a 3-year discount on your liability coverage.

●     [ ] Advanced Safety Features: Modern cars with automatic emergency braking, lane departure warnings, or adaptive cruise control often qualify for extra safety discounts.

🏠 Home Insurance Discounts

●     [ ] Roof Age & Material: If you’ve replaced your roof in the last few years, let us know. Impact-resistant shingles (Class 4) can save you up to 20% on your premium in storm-prone Texas.

●     [ ] Monitored Security System: A system that is monitored by a central station (for fire and burglary) provides a bigger discount than a standard "local" alarm.

●     [ ] Smart Home Water Sensors: Installing a smart water shut-off valve or leak detectors (like Moen Flo or Phyn) can prevent massive claims and earn you a "Water Mitigation" discount.

●     [ ] New Home/Recent Purchase: Many carriers offer a "New Home" discount for the first few years after a house is built or purchased.

●     [ ] Claims-Free History: If you haven't filed a home claim in the last 3–5 years, you are likely eligible for a "Loss-Free" credit.

●     [ ] Gated Community: Living in a gated or limited-access neighborhood often reduces the premium due to lower theft risks.

📈 Financial & Loyalty Discounts

●     [ ] Credit Score Improvement: In Texas, your "Insurance Score" (based on credit) heavily impacts your rate. If your credit has improved recently, ask us to re-run your quote; it could save you hundreds.

●     [ ] Paperless & Autopay: Opting into electronic documents and automatic bank drafts usually shaves a few dollars off every month.

●     [ ] Career/Affiliation: Are you a teacher, first responder, or member of the military? Some carriers offer "affinity" discounts for specific professions or alumni groups.

●     [ ] Early Quote Discount: Shopping for your policy at least 7–10 days before your current one expires can trigger an "Advanced Quote" discount with certain carriers.

The "Wyant Pro-Tip"

"The best way to get a discount is to stay in touch. If you’ve renovated your kitchen, installed a ring doorbell, or started working from home (meaning fewer miles driven), tell us! Those life changes are often the key to lowering your bill."