Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Aug 26, 2021

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The Short of It

  • Two companies offer online shopper auto insurance discounts to drivers
  • Customers save an average of 8% on their annual rates by earning this deal
  • Unfortunately, this discount through Esurance is only available in three states

Only two companies offer online shopper auto insurance discounts to drivers. Customers typically save 8% on their annual premiums by earning this deal.

Keep reading to learn how you can qualify for online shopper auto insurance discount rates and discover what other auto insurance discounts can help you earn your lowest prices.

After comparing affordable online shopper auto insurance discount quotes, remember to enter your ZIP code into our free rate tool above to compare premiums from the best companies near you.

What companies offer an online shopper auto insurance discount to drivers?

An uncommon deal in the auto insurance world, only two providers offer online shopper discounts to drivers.

But if you’re in the market for coverage, this is one of the auto insurance discounts to ask for while you comparison shop.

Folks save an average of 8% on their annual auto insurance costs by qualifying for this rate reduction.

To verify if you already use an online shopper auto insurance discount company, take a look at the list below:

It’s possible local agencies near you also advertise this deal to potential customers. Also, not every company is active in every region.

For example, only drivers living in Illinois, Utah, and Virginia qualify for the Esurance discount.

Other factors also influence your insurance costs, like your age, driving record, and the auto insurance laws in your state.

Therefore, the best way to secure your cheapest premiums is by comparing quotes online from various providers, even those without an online shopper discount.

Compare Quotes From Top Companies and Save

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What is an online shopper auto insurance discount?

You can earn auto insurance discounts based on your responsible actions, your car, the anti-theft or safety technology installed onto it, your driving techniques and choices, and customer loyalty.

It is because of this that an online shopper discount is considered a policy discount.

Other standard policy discounts you can earn from the top auto insurance companies include:

  • Bundling discount
  • Multi-car discount
  • Multi-policy discount
  • Paperless billing discount
  • Pay-in-full discount
  • Preferred payment discount

To qualify for this deal, you must purchase your auto insurance policy online, typically through the company website.

However, Progressive offers the rate reduction even if you end up purchasing your policy over the phone.

Drivers save an average of 8% on their annual premiums by earning this discount.

Typically, online shopper discounts are awarded to new customers. So if you’re shopping around for a provider, be aware of your auto insurance coverage options and choose the policies that best fit your needs.

Perhaps you’re still wondering how to get discounts on auto insurance in the first place?

Usually, policy savings like these are applied automatically. However, you must ask an agent directly to qualify for some auto insurance discounts.

So never hesitate to ask a company representative about the discounts you’re receiving and see what other deals you might earn.

Online Shopper Auto Insurance Discount: The Bottom Line

If you’re shopping around for auto insurance coverage, ask about an online shopper discount. Even a high-risk driver or teen can qualify for this savings opportunity.

It’s also essential you understand how auto insurance quotes are set. Everything from who you are to how you drive influences your total costs.

Where you live, your homeownership status, your education level, your insurance history, your driving record, and more impact your rates.

Fortunately, you can earn an online shopper discount regardless of the type of vehicle you drive or the number of insurance claims you’ve made in the past.

You can reduce your rates further and earn cheaper quotes by asking about these other typical discounts:

  • Claim-free discount
  • Good student discount
  • Homeowner discount
  • Military discount
  • Safe driver discount

You’ve learned how to buy online shopper discount auto insurance; now find the best coverage for you by entering your ZIP code into our free rate tool below.