Membership Specific Discounts

Sometimes, it really is all about who you know. Lucky for you, you know The Zebra.

What are some car insurance discounts for affinity memberships and professions?


There are a couple of ways to earn discounts based on your occupation or on a different factor in relation to your occupation. Some insurance companies differentiate these classifications, while others simply loop them together. To make things easy, these discounts are simply called affinity/membership and professional discounts. Let’s explore.





What’s an affinity discount?


An Affinity Discount refers to when insurance companies offer discounts based on your membership to a common (and pre-approved) organization. This can be business organizations, clubs, fraternities or sororities.





What’s a profession-based discount?


A professional discount refers to when a person falls into a certain job that earns them a discount. This discount differs from an affinity group because not all companies require you to belong or pay dues to the club. For some companies, you automatically qualify based on your occupation. Typical jobs are:






Why do these discounts exist?


These types of discounts exist for a couple of reasons. Affinity/membership discounts follow the buying-in-bulk kind of mentality. Insurance companies offer these organizations discounted rates based on the belief they will encourage their members to purchase them. Thus, give them business. They get a customer and you get coverage. Win, win!

For the profession-based discount, the reason is slightly different. Some insurance companies look at members of certain professions as ideal clients. These occupations, which we will outline, are less likely to take risks which could lead to a potential claims payout by their insurance company. So, as a way to encourage these types of clients, insurance companies offer a discount.





How much can you expect to save?


These discounts aren’t meant to halve your car insurance premium. For that, you will have to do a little more work. On average, if you qualify for these discount (which depends on your company and your state), you can see a 3-5% savings or $40-$60/year. If you’re looking for ways to save on car insurance, consider how much you could be saving by switching companies. Only with The Zebra can you shop 200+ companies at once. Start saving today.




Looking for a specific career?


Here are our articles and other ways to save for profession-specific car insurance!



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Recent Questions:

Car Insurance Discounts for Affinity Memberships

My ins co gave me an accident free discount when I’ve had an accident

Jan 26, 2018

I had an accident a little over 3 years ago. I got a quote that gives me a 5 year ...

If I wrecked my daughter’s car and she is covered on my policy, how do I keep her rate from increasing?

Aug 05, 2017

I’m 49 yrs old with an excellent driving record, however, while operating my daughter’s vehicle (she’s 19 and has been ...

If I am buying car insurance and already have motorcycle insurance, will I be eligible for a prior insurance discount?

Jun 07, 2017

I’ve been riding my motorcycle exclusively for about 8 months and just recently bought car. The rates I’m being quoted ...

Will my insurance company give me a discount for driving a “green” car?

Jun 01, 2017

I’m considering trading in my truck for a Toyota Prius hybrid. The salesperson said that the car should be cheaper ...

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Car Insurance Discounts for Affinity Memberships

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