Image of a woman looking over her bill and enrolling in My Account.

Insurance Payment Discounts

Updated October 10, 2016 . AmFam Team

From going paperless to paying in full, you may qualify for more than one way to save! Learn more about billing discounts from American Family Insurance.

When it comes to your coverage, we know that price plays a big role in your final decision. That’s why we offer a variety of insurance payment discounts — to reward you for being smart about your protection. So, whether you’re a new customer or you’ve been with us a while, it’s important to get to know all of the billing discounts you can take advantage of. Here’s a list of policy types that can help you score a discount:

Keep in mind that discounts will vary by state, which is why having a conversation with your American Family agent (Opens in a new tab) about which discounts you might qualify for is a smart move. There are so many ways to save. On average, bundling your auto and home policies with American Family Insurance could land you an insurance payment discount of up to 23%.*


American Family’s bill payment options are simple and convenient. The following billing payment discounts are the most common discounts to take advantage of, and we’ll walk you through just how to get them.

Paperless Billing Discount

When you sign up to receive all of your billing statements electronically, you can save on monthly billing fees by taking advantage of the Paperless Billing Discount. After your policy is set up, you’ll have 10 days to enroll in paperless billing before the discount is removed from your policy. Enrolling is easy, simply sign up for My Account (Opens in a new tab) and opt in for Go Paperless in the Payments & Billing section.

Auto Pay Billing Discount Options

Now you can add convenient automatic payments for a secure and simple way to pay your bill and land an insurance payment discount. When you automate your payments — whether you’re paying monthly or semi-annually, you could qualify for an Auto Pay and Automated Funds Transfer discount.

And we offer two ways to qualify for this discount. No more worrying about due dates, you get to pick the payment date and method that works for you. Whichever way you choose, getting the Auto Pay Discount is easy — it only requires a few minutes of your time to qualify, so take a look at the options below to see which one fits you best.

Option 1: My Account Auto Pay discount

If you prefer to set up and manage automatic payments on your own, enrolling in My Account  (Opens in a new tab) is the way to go:

  • Be sure to use a checking or savings account when you sign up
  • After enrolling into My Account, you’ll first need to register any policies you have for online billing, then set up automatic payments
  • Go to Billing and Payments, select Add Auto Pay and you’re on your way

Once enrolled, you'll only receive a paper billing statement when changes are made to your billing account. Paperless statements will be sent to your email account, and they’ll also be available to you online. My Account makes your busy life a little simpler. It’s quick, it’s easy and it’s available anytime, from any internet-connected device.*

Option 2: Automated Funds Transfer discount

When you pay your American Family bills 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:

  • You’ll need to have details on a checking or savings account when you enroll
  • You’ll have the option to pay monthly or in full. Note that making payments manually or paying with a debit or credit card are not allowed with AFT
  • If your due date falls on a weekend or holiday, the deduction takes place on the next business day
  • AFT can be used for personal, business and farm or ranch policies

If you'd like to start using AFT, contact your American Family Insurance agent. It’s a great way to get peace of mind, knowing that you’ll be paying on time, every time.**

Full Pay Billing Discount

The Full Pay Discount is just what it sounds like — pay your bill in full, then get a discount. In order to qualify for this discount, you’ll need to pay for the entire term of your policy at the time of purchase. When you do, you can qualify for a one-time premium-reducing discount.

You’ll have three days after finalizing or renewing your policy to pay your premium completely, using any accepted form of payment. It’s important to get your payment in as soon as possible, as this discount will be removed from your policy if payment isn’t received in three days.

Have more questions? Check out these discounts for auto and home that you may qualify for. Be sure to reach out to your American Family Insurance agent — they’re always ready to help!

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.

This article is for informational purposes only and includes information widely available through different sources.

*Customers who bundle an auto policy with their home policy may save up to 23% on their auto policy (as of December 2023). Discounts may vary by state, property, policy form and company underwriting the policy. Discounts may not apply to all coverages on an auto policy.

**Certain restrictions apply. For complete details on discount qualification, contact your agent today.

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