Car insurance payment discounts: simpler billing, more ways to save 

When it comes to car insurance, choosing a policy with options to save can pay off. That’s why American Family Insurance offers a variety of payment discounts to reward you for making smart choices about your coverage. Whether you’re a new or longtime customer, it’s important to understand how billing discounts can make paying for your protection simple and convenient—and help you save.  

Which policies qualify for payment discounts?

In addition to auto insurance, other types of policies can help you score payment discounts too, including: 

• Homeowners insurance
• Renters insurance
• Motorcycle insurance

Plus, you may be able to bundle policies for extra savings. On average, bundling your auto and home policies with American Family could help you save up to 40%.* That’s more money in your pocket and more peace of mind. 

Discounts and eligibility vary by state, so connect with your American Family agent about which discounts you might qualify for.

Simple, convenient billing with extra savings 

American Family’s bill payment options are designed for your busy life. Here are the most common ways to save on your insurance payments: 

Paperless billing discount

Go green and save! When you sign up to receive your billing statements electronically, you can reduce monthly billing fees with our Paperless Billing Discount. After your policy is set up, you have 10 days to enroll before the discount is removed. Enrolling is easy—just sign up for My Account and opt in for Go Paperless in the Payments & Billing section. 

AutoPay billing discount options

Automate your payments for a secure, simple way to pay your bill and earn a discount. Whether you pay monthly or semi-annually, you could qualify for American Family’s AutoPay and Automated Funds Transfer discount. 

There are two ways to qualify for this discount. You get to pick the payment date and method that work for you, and setting up AutoPay takes just a few minutes. Choose the option that best fits your lifestyle: 

Option 1: My Account AutoPay discount

If you prefer to set up and manage automatic payments on your own, enrolling in My Account  is the way to go:

• Use a checking or savings account to enroll.
• After enrolling into My Account, register your policies for online billing, then set up automatic payments.
• Go to Billing and Payments, select Add AutoPay, and you’re all set. 

Once enrolled, you'll only receive paper billing statements when changes are made to your account. Otherwise, your statements are sent electronically to your email and available online—anytime, anywhere. 

Option 2: Automated Funds Transfer discount

When you pay through our Automated Funds Transfer (AFT) option, your payments are automatically deducted from your checking or savings account the day they're due. Here’s what you’ll need to know: 

• Have your checking or savings account details ready when you enroll.
• Choose to pay monthly or in full. Note: Manual payments or debit/credit card payments are not allowed with AFT.
• If your due date falls on a weekend or holiday, the deduction happens on the next business day.
• AFT can be used for personal, business, and farm and ranch policies.

If you'd like to start using AFT, contact your American Family agent. You’ll feel confident knowing your premium is paid on time, every time. 

Full Pay billing discount

Pay your bill in full at the time of purchase or renewal, and you’ll qualify for a one-time, premium-reducing discount. 

You have three days after finalizing or renewing your policy to pay your premium completely. If payment isn’t received within three days, the discount will be removed. 

Have questions? Curious about other discounts you may qualify for? Check out these discounts for auto and home, and be sure to reach out to your American Family Insurance agent. They’re always ready to help you protect what matters most, including your wallet.  

This article is for informational purposes only and based on information that is widely available. This information does not, and is not intended to, constitute legal or financial advice. You should contact a professional for advice specific to your situation.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance. 

Discount, savings and product eligibility varies based on the way you purchase insurance, by state, property type and policy form. Discounts may not apply to all coverages on an auto or home policy. Exclusions may apply.

*Customers who bundle home and auto insurance policies may save up to 40% on both policies together (as of June 2025). Discounts include Multiproduct, Auto Pay, Paperless, and DriveMyWay. Products, pricing, and availability vary based on the way you purchase insurance and by state, property, policy form and company underwriting the home and/or auto policy. Discounts may not apply to all coverages on a home or auto policy.