Affinity Membership Discount for Car Insurance
An affinity discount applies when you belong to an organization that partners with an insurer to offer savings, like an employer, credit union, or alumni group,
What are car insurance discounts for affinity memberships and professions?
There are a couple of ways to earn discounts on car insurance quotes based on your occupation or another factor related to it. Some insurance providers differentiate these classifications, while others simply lump them together. To make things easy, these discounts are simply called affinity/membership and professional discounts.Â
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 is when a person is in a specific job that earns them a discount. This discount differs from an affinity group because not all companies require you to belong to or pay dues to the club. For some companies, you automatically qualify based on your occupation. Typical jobs are:
- Medical professionals
- First responders
- Teachers
- Engineers
- Accountants
- Government Employees
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 that 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 that 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.
What discounts do you qualify for?
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 discounts (which depend on your company and state), you can save 3-5% 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.Â
Looking for a specific career?
Here are our articles and other ways to save for profession-specific car insurance!
Protect more, pay less.
Affinity membership discount FAQs:
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.