Discounts

We offer 8 ways to save money

We want you to get the most value possible from your Responsive policy. The following provides an overview of our discounts and how to qualify for them. Please keep in mind that not all discounts are available for all policies sold. Please ask your agent for assistance with our discounts.


Quick Pay Discount (EFT)

This discount is available for those customers who set up automatic monthly installment payments (ACH credit/debit card), instead of paying in full.


Paid-In-Full Discount

This discount is available to customers who pay for a full 6-month or annual policy up front, instead of making monthly installment payments.


Transfer Discount (Proof of Prior)

This discount is available if you have been driving 3 years or more and consistently maintained active car insurance with a licensed insurance company, with no gaps or cancellations for the prior 6 months from the effective date of your new Responsive policy.


Renewal Discount

This discount is available for qualifying customers buying a renewal policy. To qualify, all drivers must have maintained a driving record free of accidents and major traffic violations during the prior 3 years. Customers must have maintained continuous coverage during the current policy period. In some cases, a short lapse in coverage before the proposed effective date of the renewal policy is permitted.


Vehicle Feature Discounts

This discount is available for insured vehicles equipped with factory-installed Anti-Lock Brakes, Airbags and/or an Anti-Theft Device. Your actual discount value depends on the combination of these features in your vehicle (more is better) and which types of coverage you have selected.


Safe Driver

This discount is available for policies when none of the listed drivers have had a traffic violation (a ticket) or an accident over the prior 3 years.


Multi-Car

This discount is available for customers who seek to insure more than 1 of the vehicles they own. You can also combine auto policies with anyone you live with, even if you are not related.


Homeowner

This discount is available to customers who own a home, condo or mobile home in the state of Florida, and currently reside in that home.