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Updated
You may already be part of a group that offers discounts on car insurance. The discount is designed to get drivers in your group to switch to the insurer’s policies. But the savings might not always be worth the membership hassle.
Affinity discounts are usually advertised in an organization’s literature as a benefit of joining the group. To get the discount, carefully follow your group’s instructions. The discounts vary from state to state, but some of the more common affinity discounts include:
The discount on an affinity policy is usually between 5% to 20%, depending on the size of your group. In addition, insurance carriers offer perks like auto-renew policies, locked-in rates or special billing options for members.
Consider the following before making a decision on whether this type of policy is right for you:
Many consumer groups have posed ethical and legal concerns about affinity groups, both in the way they’re formed and implemented by insurance carriers. Some claim they unfairly target high-income and white communities, and that low-income customers are being forced to pay for discounts for the wealthy.
California is getting ready to strengthen regulations on affinity groups after an investigation found that some affinity programs discriminate against low-income people. Advocates are pushing back, claiming that many programs specifically target professions that need the extra savings to make ends meet, such as teachers, hotel workers and union workers.
Affinity discounts help you take advantage of discounts on your car insurance. But if you’re not sure the negotiated policies will meet your coverage needs, take the time to compare policies and find the best protection for your car.
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