You can get a car insurance membership discount by being a member of a specific group or an employee of an affiliated company. Six of the 10 largest insurance companies offer membership discounts, although the exact requirements and discount amounts vary. Perhaps the biggest benefit of getting car insurance as part of a group rather than as part of an individual is the cost. If your company offers a group car insurance option, you'll probably have to pay for it out of your own pocket.
Because the benefits of being a member of a particular organization are often a big selling point, you might be able to research the availability of group car insurance options directly on the organization's website. An organization that offers insurance for a group of cars can only do so through a specific car insurance company. This list is not exhaustive, as Farmers Insurance does not publish its full list of associated groups and professions. Doing so will increase your car insurance premium, but you'll have coverage for almost every situation.
Group car insurance plans can also allow for greater flexibility when it comes to the payment method. Laura Berry has experience as a licensed producer selling life, health and property insurance for Allstate and State Farm. Even if the group isn't related to your profession or education, those that focus on special interests can also offer group car insurance options. The same potential risks apply if you leave any organization from which you received a group car insurance plan option.
If you find an organization you belong to on the Geico list, go to the organization's website and log in with your member credentials, if necessary. They may be able to get a good deal through the provider they use for health insurance or commercial insurance. To encourage loyalty to your employer and to the auto insurance company, your car insurance policy could also be cheaper the longer you stay employed. Employers that are very large can offer group insurance options that go far beyond health and auto insurance.