What Is a Responsible Payer Discount?

If you prove yourself to be a responsible payer by paying your car insurance premiums on time for 12 months, you could be eligible for a discount.
Written by Bonnie Stinson
Reviewed by Kathleen Flear
If you pay your bills on time, without fail, for 12 months, you’re considered a responsible payer and you could get a discount on your car insurance.
Depending on your insurance provider, it might be called a good payer discount or responsible payer discount.
Insurance companies appreciate regular payments. They don’t have to chase you down or spend administrative hours to collect money. Plus, when they can anticipate your payment, that means predictable revenue and a more stable company.
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How can I get the responsible payer discount?

You can qualify for this discount by avoiding cancellation notices for not paying your premiums. All you have to do is, well, pay your premium on time!
You could be eligible for this discount whether you pay monthly, quarterly, semi-annually, or annually. Just stick to the agreed-upon payment schedule and you could get a discount. If the agent doesn’t offer it to you, you may need to ask for it.
Keep in mind that if you stop paying on time, you will lose the discounted rate. You can always get it back by maintaining another 12 months of steady payments with no cancellation notices.

How much do I save from the responsible payer discount?

The amount of the discount depends on the company. Most policyholders can expect to save about 5% annually.
You won’t get this discount until you have demonstrated that you are a responsible payer. This means that the initial fee predicted by
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Other ways to save on your premium

There are a ton of ways to reduce your car insurance premium.
Scheduling automatic payments is another easy way to save money while making your life easier.
Most companies give a discount for setting up auto payments. You can also get a discount from most companies by going paperless or bundling auto with home or renter’s insurance.
Here are some of the most common discounts from insurers:
Key Takeaway Every insurance company offers discounts, but you may have to ask which ones you qualify for to actually get them.

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