With rates shifting due to inflation, vehicle technology costs, and individual driver profiles, staying with the same provider out of habit can cost you hundreds—if not thousands—of dollars a year.

What Determines Your American Family Auto Quote?

• Driving Record: A clean history free of accidents, moving violations, or claims keeps premiums down significantly.
• Vehicle Make and Model: Newer, high-end, or expensive vehicles cost more to repair or replace, raising your premium. Conversely, cars equipped with strong safety features can help trigger lower rates.
• Annual Mileage: Drivers who log fewer miles present less risk to the insurer and often qualify for low-mileage savings.
• Location & Garaging ZIP Code: Rates vary by state and ZIP code depending on local traffic density, claim rates, and regional weather risks.
• Coverage Choices: Opting for basic state-minimum liability yields a lower bill upfront, whereas adding full coverage (Collision + Comprehensive) and lower deductibles will adjust the monthly premium higher.

The Best Ways to Lower Your American Family Auto Rate

1. Timing & Switching Discounts

• Early Bird Discount: Get your auto quote at least 7 days before your new policy goes into effect to lock in an automatic early-bird rate.
• Steer Into Savings (Carrier Switch): Switching to American Family from a competing carrier? If you maintain continuous coverage with bodily injury limits of at least $250,000, you may qualify for this switching incentive.

2. Bundling & Multi-Vehicle Savings

• Multi-Policy (Home + Auto): Bundling auto insurance with homeowners or property coverage can save customers up to 40% across their policies. Bundling auto with renters insurance can yield savings of up to 7%.
• Multi-Vehicle Discount: Insuring two or more vehicles under the same household policy unlocks lower rates per vehicle.

3. Smart Driving & Telematics

• DriveMyWay Program: Enrolling in AmFam's telematics app tracks real-time driving behaviors. You automatically get an initial discount for signing up and can save up to 35% or more based on safe driving habits.
• MilesMyWay Program: Low-mileage drivers who clock under 8,000 miles a year can score personalized savings of up to 25%.

4. Billing & Student Discounts

• Billing Perks: Opting into AutoPay, paying your annual term in full (Customer Full Pay), or going Paperless each provide straightforward reductions on your premium.
• Young Drivers: Households with high school or college students maintaining good grades can qualify for the Good Student Discount, or the Away at School Discount if the student lives over 100 miles away without a car on campus.

Step-by-Step: How to Get Your Auto Quote

1. Gather Required Details: Keep your vehicle identification numbers (VINs), driver's license numbers for all household members, and your current policy declaration page handy.
2. Visit the Quote Tool Online or Call an Agent: Navigate to the quote tool on the American Family website or connect with a local agent.
3. Customize Coverage Limits: Select the liability limits, collision, and comprehensive deductibles that fit your risk tolerance and budget.
4. Apply All Applicable Discounts: Make sure to select all eligible billing methods (e.g., AutoPay, e-delivery) and ask about telematics program enrollment (DriveMyWay).
5. Review & Lock In Your Rate: If you set up your quote at least a week before your current policy expires, ensure the Early Bird discount is applied before completing your purchase.

Final Verdict: Is an American Family Auto Quote Right for You?