Common Golf Cart & LSV Insurance Discounts
Discounts vary by program, state, and vehicle — not every discount exists in every market, and eligibility is determined by the carrier at the time of the quote. That said, these are the discounts most worth asking about when you call.
Advance Purchase Discount
Buying your policy ahead of its effective date — rather than the same day coverage starts — may earn a lower rate with some programs. If your current policy renews next month, or you're picking up a new ICON, Evolution, or Bintelli from the dealer next week, asking for a quote early may pay off.
Multi-Policy Discount
Insuring more than one vehicle or toy with the same program is one of the most common ways to save. Ask about bundling your golf cart or LSV quote with boat insurance, jet ski insurance, motorcycle insurance, Oreion Reeper insurance, Polaris Slingshot insurance, scooter insurance, watercraft insurance, or other powersports insurance.
Good Driver Discount
A clean driving record — no recent accidents or moving violations — may qualify you for preferred rates, especially on street-legal LSVs where the policy looks more like an auto policy. Some programs also recognize defensive-driving or safety course completion.
Pay-in-Full Discount
Paying the annual premium up front instead of monthly installments may reduce the total cost, since installment and billing fees go away.
Homeowner Discount
Some programs offer a small credit when the applicant owns a home — common in golf cart communities where the cart is garaged at the residence.
Safety & Security Device Discounts
Anti-theft devices, wheel locks, GPS trackers, and garaging in a locked structure may earn credits on the physical damage portion of a quote. Seat belts and other safety equipment on street-legal LSVs may also be recognized.
Ask about every discount in one call
Most states: 866-347-8683 · AR, AK, KY, CA, HI, MD, MA, NY, OR, PA, SD, UT, WA: 833-844-4357
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