What Mercury Insurance Discounts Do I Qualify for in CA?

By the Mercury Team

Car insurance is a must in California, but it shouldn’t have to break the bank. With Mercury, you can get low-cost auto insurance thanks to our wide variety of discounts, from good driver rewards to student discounts and multi-policy savings. Let’s take a closer look at the discounts available in California and see which ones you might qualify for to help you save even more on your coverage.

What Types of Auto Insurance Discounts Are Available in California?

Mercury Insurance offers multiple ways to save on your auto policy. Below is a breakdown of the discounts available to California drivers:

Discount Category	Discount Description
GOOD DRIVER DISCOUNT	Good Driver discount of 20.0% applies to a vehicle if all drivers assigned to the vehicle qualify as Good Drivers. A good driver is a person who meets qualifications of years of driving experience and driving records.
EXCEPTIONAL DRIVER DISCOUNT	An additional 6% discount on top of Good Driver (26.0%). An Exceptional Driver is a person who meets the Good Driver qualifications and has been continuously licensed to drive a motor vehicle for the preceding 5 years, has no at-fault accidents or major convictions within the past 5 years, and no minor convictions within the past 3 years. All drivers assigned to the vehicle must qualify as Exceptional Drivers to qualify for the discount.
MULTIPLE CAR DISCOUNT	Customers who insure two or more private passenger automobiles on their auto policy with Mercury qualify for a discount of up to 23.5%.
GOOD STUDENT DISCOUNT	Customers can receive a discount of up to 12.5% if they are single residents with less than 8 years license experience, who attend school as a full-time student with “B” or better grade point average or a cumulative GPA of 3.0 or greater.
MATURE DRIVER	A discount of up to 1% for UMBI coverage and 4% for COMP coverage is applied to drivers aged 55 and over who have received a driver improvement course certificate from a DMV certified school and had no at fault accidents or traffic convictions since completing the course. A copy of the certificate must be submitted with the application. The discount applies for up to 3 years from the completion date of the Driver Improvement Course.
TIERED MULTI POLICY DISCOUNT	A tiered multi-policy discount up to 20% is available for insureds who have a homeowner (HO3, HO4, HO6), umbrella, and/or CEA policy with the company.
	Combination	Discount up to:
	HO3 Only	14.5%
	HO3 and CEA	17.9%
	HO3 and Umbrella	18.8%
	HO3, CEA, and Umbrella	19.6%
	HO4 Only	4.0%
	HO4 and Umbrella	8.8%
	HO6 Only	12.0%
	HO6 and Umbrella	16.4%
GROUP DISCOUNTS	Customers who are a member of one of these professional groups qualify for a discount:
	Group
	Mercury Employees	8.5%
	California Society of CPA	8.5%
	Educators	15.1%
	Scientists and Engineers	9.1%
	California Medical Association	8.5%
	Government Employees	8.5%
	Public Safety Professionals	8.5%
	AAA Members	7.6%
	Bank of America Employees	8.5%
	Costco or Sam's Club Members	7.6%
	Medical Professionals	7.0%
	Insurance Professionals	7.0%
	Financial Professionals	7.0%
	Pilots	8.5%
ANTI-THEFT DISCOUNTS	A discount up to 12.0% applies to comprehensive coverage on vehicles equipped with anti-theft devices, such as a catalytic converter metal shield, Lo Jack, TeleTrac or similar type device.
REALDRIVE DISCOUNT	A discount (up to 20.9%) may be available for insureds that consent to participate in the RealDrive program. All eligible vehicles must participate in the program in order to qualify and continue in the program.
ANTI-LOCK BRAKE DISCOUNT	A discount up to 1.0% is available for PD and MP coverages on vehicles equipped with anti-lock braking systems.

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Do Students and Young Drivers Get Discounts in California?

Yes. Mercury recognizes that young drivers and students face higher insurance costs, which is why we offer specific discounts to help them save.

The good student discount rewards academic achievement with up to 12.5% off your premium. To qualify, you must:

• Be a single resident with less than eight years of driving experience
• Attend school full-time
• Maintain a "B" average or cumulative GPA of 3.0 or higher

This discount rewards students who show responsibility in the classroom, the same kind of care that makes them safe drivers. When you apply, be sure to share proof of your grades so you don’t miss out on the savings.

Are There California Discounts for Good Drivers?

Absolutely. You earn some of the biggest car insurance discounts from Mercury when you practice safe driving habits. These discounts on auto insurance include:

• Good driver discount: This discount provides 20% off when all drivers assigned to your vehicle meet California’s good driver qualifications. This includes maintaining a clean driving record and meeting the minimum years of driving experience requirements.
• Exceptional driver discount: If you’ve been continuously licensed for at least 5 years, have no at-fault accidents or major convictions within the past 5 years, and no minor convictions within the past 3 years, you can earn an additional 6% discount on top of the good driver rate. This brings your total savings to 26.0%.

Can Your Vehicle Help You Save on Insurance in CA?

Yes, your vehicle itself can be a source of insurance savings. Mercury offers several vehicle-based discounts that reward smart choices about what you drive and how you protect it, including:

• Multiple car discount: You can get up to 23.5% off when you insure two or more private passenger vehicles on the same policy. This is one of the easiest ways for households with multiple cars to save big.
• Anti-theft discount: If your vehicle is equipped with anti-theft devices like a catalytic converter metal shield, LoJack, or TeleTrac system, you can save up to 12% on comprehensive coverage. These features reduce the risk of theft, and Mercury passes those savings on to you.
• RealDrive discount: Mercury’s RealDrive Program offers up to 20.9% off for California drivers who consent to participate in mileage verification. To qualify and maintain the discount, all eligible vehicles must be enrolled in the program.
• Anti-lock brake discount: Modern safety features can also earn you savings. If your car has anti-lock brakes, you could get up to 1% off your PD and MP coverages since these systems help reduce the risk of accidents.

Why Choose Mercury for California Car Insurance

Mercury Insurance has been helping California drivers save for decades with great rates, reliable coverage, and personal service that puts you first. We know what driving in the Golden State is really like, so we tailor our policies to fit your lifestyle and budget.

Plus, you’ll get 24/7 support, simple online tools to manage your policy, and plenty of ways to earn discounts for safe driving and smart choices.

Get your free California auto insurance quote today and see how much you could save.