Auto Insurance Discounts Offered by Encompass

Encompass car insurance discounts include senior, good student, and safety feature discounts. If you have homeowner's insurance, the Encompass car insurance discount for bundling may save you 20%.

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UPDATED: May 4, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 4, 2022Fact Checked

Here's what you need to know...

  • Encompass offers many types of insurance policies
  • You may be eligible for several car insurance discounts through Encompass
  • This company has received stable financial ratings

This article will discuss Encompass Insurance, as well as Encompass car insurance discounts. Encompass is a national insurance company that offers its products through a number of independent insurance representatives.

Along with auto insurance, Encompass Insurance offers a number of insurance products to cover you for all of your needs.

Choosing an insurance company is an important decision. Encompass focuses on treating customers as an individual rather than as just a policy.

They are committed to providing great customer service and dedicated to helping you get through the process of filing a claim smoothly and efficiently.

You can compare car insurance quotes right now just by entering your ZIP code in the box provided.

Encompass Insurance Products


Encompass Insurance offers a number of options for coverage to help support your financial security. One of its products is homeowners insurance. This is available with three levels of coverage:

  • Special – Special coverage allows for more flexible limits and goes above and beyond standard policies.
  • Deluxe – The deluxe coverage for homeowners includes the special coverages plus replacement cost for the items of your home and other things.
  • Elite – The elite policy contains everything that the special and deluxe options offer, as well as additional coverages.

If you have a business that is based out of your home, you may be surprised that your homeowners coverage may not be enough to cover your losses.

Encompass helps bridge this gap by offering Home Work Insurance.

This supplemental insurance can help cover you if you have a client who experiences an injury in your home, you are traveling and your laptop is stolen, or there is a fire and your home office is ruined, resulting in lost data records and important papers.

To help you protect some of your fun vehicles, Encompass Insurance offers motorcycle and boat insurance. Encompass also offers insurance for identity fraud. This coverage pays you up to $20,000 to help cover expenses that occur from having your identity stolen.

Car insurance is a popular product and you have the flexible option of choosing from different levels of coverage–three, to be exact.

Encompass also offers liability limits that are higher than a lot of other insurance companies. To help you save money, the company offers a number of discounts.

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Encompass Insurance Discounts

Encompass Insurance is focused on helping you save money and, as a result, it offers a variety of discounts. With your auto insurance policy, an assortment of driving discounts are available.

  • Senior – Encompass offers discounted rates for senior drivers.
  • Good Student – If you are a young driver, you can pay less for your car insurance premiums if you perform well academically.
  • Loss-free – If you have been driving for awhile and have not reported a loss or accident for a certain period of time, you may be eligible for a loss-free discount from Encompass.
  • Accident forgiveness – Also, if you have an accident for the first time, Encompass will usually forgive you and not jack up your rates as a punishment.
  • Safety features – If you have certain safety equipment in your car, you are also eligible for a discount on your insurance.

If you have homeowners insurance through Encompass Insurance, you are eligible for some discounts as well. If you have devices for protective use in your home you may save money. These may include:

  • Fire extinguishers
  • Burglar alarms
  • Fire alarms

These can save you almost 20%.

Depending on the state in which you live, you may receive a discount for owning a newer home.

This may save you between 15% and 20% on your homeowners premium.

You also will receive a discount of 2% to 10% when you have more than one policy through Encompass Insurance.

Encompass Insurance Financial Ratings

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When you choose an insurance company it is important to take a look at its financial ratings and outlook. This can give you an idea of whether the company is able to pay claims; both current ones and those that could be filed in the future.

A company that has a low rating may be too unstable to cover all of its financial obligations.

There are a number of companies that underwrite the products from Encompass Insurance. The ratings for these companies range from A- (excellent) to A+ (superior). To see more details about their financial standings, you can check out A.M. Best.

If you are interested in comparing car insurance rates for companies in your area, you can just fill in your ZIP code below right now.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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