In 2025, finding benefits in auto insurance means looking beyond just price and focusing on coverage options, technology discounts, and company features that add value. Here’s where and how to find the best benefits:

1. Discounts and Savings

• Bundling: Combine auto with home or renters insurance for multi-policy discounts.

• Safe Driver/Telematics Programs: Many insurers offer usage-based insurance (UBI) where your driving is tracked via app or device. Safe driving can earn significant discounts2.

• Low Mileage: If you drive less than average, ask about low-mileage discounts.

• Good Student/Defensive Driving: Discounts for students with good grades or drivers who complete approved courses.

2. Coverage Options

• Gap Insurance: Especially important for new cars, covers the difference between your car’s value and what you owe if it’s totaled.

• Comprehensive and Collision: Protects against theft, vandalism, and accidents, but raises your premium.

• Roadside Assistance & Rental Reimbursement: Optional add-ons for extra peace of mind3.

3. Technology and Vehicle Features

• Advanced Safety Features: Cars with ADAS (lane assist, automatic braking) may qualify for lower premiums.

• Electric Vehicles: Insuring new EVs is becoming cheaper, especially for models from traditional automakers like Ford and Volkswagen.

4. State-Specific Benefits

• Minimum Requirements: Some states increased minimum liability coverage in 2025, offering better financial protection but raising premiums.

• State Programs: In high-risk states where private insurers withdraw, state-run insurance may be available.

5. Where to Shop

• Major Insurers: Companies like Geico, Progressive, State Farm, and Travelers offer a wide range of discounts and optional coverages.

• Comparison Sites: Use online tools (e.g., ValuePenguin, The Zebra) to compare rates and benefits across companies.

2025 Trends to Note

• Premiums are still rising but at a slower rate (average increase 7.5% to $2,101/year for full coverage).

• Electric vehicle insurance is more affordable for legacy brands but still higher for new EV-only brands.

• Claims costs remain elevated due to inflation and expensive repairs.

• Minimum liability requirements have increased in some states, so check your state’s new rules.

Tip: Always ask about all available discounts and review your coverage annually to ensure you’re getting the best value for your needs. Comparing quotes and features remains the most effective way to find the best benefits in 2025.