Does Alfa Have Good Car Insurance Discounts?

Wondering which car insurance discounts can you get from Alfa? Here’s an overview!
Written by Sarah Gray
Reviewed by Brittni Brinn
Alfa Insurance offers customers a variety of discounts for everything from driver education to occupation. Unfortunately, since Alfa doesn’t publish rates for most of their discounts, figuring out just how much you could save can be a challenge.
Just because you’re shopping for
cheap car insurance
doesn’t mean you’re looking for a bare-bones policy. That’s why finding a provider that offers a wide array of discounts is just as important as finding one with the coverage options you need.
If you’re wondering what types of discounts Alfa Insurance offers, this guide is for you. We’ll let you know what types of discounts Alfa offers and how they stack up in comparison to other providers.

What auto insurance discounts does Alfa offer?

Alfa’s car insurance discounts fall into four categories:
  • Safe driver discounts
    reward policyholders who actively work toward becoming better drivers.
  • Vehicle discounts for cars equipped with airbags and anti-theft systems.
  • Policy discounts based on customer loyalty.
  • Occupational discounts based on your line of work.
Qualifying for multiple discounts means you can stack your savings, but not all discounts are available in all three states (
, and
) where Alfa sells car insurance coverage. Plus, Alfa doesn’t allow customers to combine certain discounts, especially if they qualify for multiple discounts within the same category.
Let’s take a closer look to see what discounts you may qualify for if you decide to get your coverage through Alfa.
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Alfa safe driver discounts

Safe drivers are less likely to wind up in an accident—and if they do, they’re less likely to be the ones at fault. This is why lots of providers, including Alfa, offer drivers discounts for completing driver education courses and engaging in other activities that often go hand-in-hand with safe driving. Here are Alfa’s safe driver discounts:
  • Defensive Driver Discount: Completing a defensive driving course or qualified Motor Vehicle Accident Prevention Course could also come with a discount. To qualify, drivers must keep
    a clean driving record
    for 3 years and re-qualify every 3 years. Age and other restrictions apply in certain states.
  • Driver Training Discount: Drivers ages 16 to 20 could earn a discount for completing an approved driver education course.
  • Youth Defensive Driving/Safety Discount: Qualifying unmarried drivers aged 16 to 20 can earn a discount for passing the youth Defensive Driver or Youth Safety Test. 
  • Youth Honor Student Discount: Unmarried full-time students between the ages of 16 and 24 may qualify for a discount if they earn a GPA of 3.0 or higher.

Alfa vehicle discounts

Your vehicle’s make, model, and age have a lot to do with your insurance premium. That’s why you’re more likely to find affordable rates on more conservative vehicles with high safety ratings than on high-powered
sports cars
luxury vehicles
. But even if you choose to drive a high-end vehicle, many providers still offer opportunities for savings through discounts for vehicle safety and anti-theft equipment.
Here are the vehicle discounts you can expect on an Alfa policy:
  • Air Bag Discount: You could earn a discount of up to 25% on the
    Medical Payments
    (MedPay) portion of your insurance premium if your vehicle is equipped with air bags.
  • Anti-theft Device Discount: If your vehicle has an
    anti-theft device
    you could receive a discount of up to 10% on your
    comprehensive coverage

Alfa policy discounts

Like most providers, customers who use Alfa for more than one
type of insurance
coverage can expect a variety of discounts, including:
  • Multi-car Discount: If two or more private passenger cars within your household are covered by Alfa insurance, you may qualify for a discount.
  • Life Insurance Discount: Policyholders with a qualifying Alfa life insurance policy will receive a discount on their auto coverage.  
  • Umbrella Discount: If you carry a qualifying personal, commercial, or farm umbrella policy, you may earn a discount on car insurance.
  • Home Ownership: You can earn a discount on your car insurance if you provide proof of homeownership.

Alfa occupational discounts

Lots of providers offer discounts based on where you work, and Alfa offers more than most. From educators to EMTs, here is a list of occupations that get discounts on their insurance premiums with Alfa.
  • Educator Discounts: Full-time teachers and professors employed in Alabama and Mississippi can earn discounts on car insurance coverage with Alfa.
  • Military Discounts: Active military personnel in Alabama, Mississippi, and Georgia qualify for discounted insurance rates.
  • First Responder Discounts: Active law enforcement, firefighters, and other first responders in Alabama and Mississippi can earn an insurance discount.
  • Minister Discount: If you’re a full-time minister with no other occupation, you could receive an Alfa insurance discount in Alabama or Mississippi.
  • Farmer Discount: Active farmers in Alabama and Mississippi who derive income from their agricultural work may qualify for a discount on auto insurance. To qualify, the vehicle must be principally garaged on a farm and the policyholder must live on a farm. Retired farmers can qualify for this discount if they’re insured with Alfa upon retirement.
  • State or Federal Employee Discount: Current employees of the Alabama, Georgia, or Mississippi state government qualify for discounted policies.
  • Auto Manufacturer Employee Discount: If you’re currently employed by an auto manufacturer in Alabama, you could get a discounted rate on Alfa car insurance.

Does Alfa have good car insurance discounts?

Alfa’s wide array of discounts makes it a competitive choice for drivers in Alabama, Mississippi, and Georgia. Unfortunately, not all discounts are available in all three states. Plus, not all discounts are eligible for combination, so even if you qualify, you won’t be able to take advantage of all of them.
If you’re basing your coverage choice strictly on the discounts available, you may find better options through larger companies like
. To find out if Alfa is right for you, be sure to review your current policy, talk with an Alfa agent, and compare
car insurance quotes
from at least a handful of providers before settling on a policy.
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Yes, Alfa offers active military personnel in Alabama, Mississippi, and Georgia a discount on car insurance.
Technically, Alfa doesn’t offer
a senior discount
. That said, Alfa does offer drivers aged 55 and older in Alabama and Mississippi a discount for completing an approved defensive driving course. Even without a driver safety course, older drivers will often find lower rates based on their lower statistical risk levels.
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