Get the Inside Scoop on UPS Employee Auto Insurance Discounts for 2023

Working for UPS comes with many perks, including potential discounts on auto insurance. As a UPS employee, you may be eligible for exclusive rate reductions to help you save money on your car insurance premiums. This article will provide all the details you need to take advantage of UPS employee auto insurance discounts.

An Overview of UPS Employee Car Insurance Discounts

UPS partners with certain insurance providers to offer discounted rates to eligible employees. While the exact coverage and discounts vary between insurance companies, here are some of the common savings opportunities available:

  • Reduced premiums – UPS employees can enjoy lower overall premiums compared to regular marketplace rates. Discounts may range from 5% to 15% off.

  • Good driver discounts – Maintaining a clean driving record for 3-5 years can earn you a safe driver discount of up to 30% with some insurers.

  • Defensive driver discounts – Completing an approved defensive driver course can save you 5% or more.

  • Multi-policy discounts – You may save up to 20% by bundling your auto insurance with other policies from the same provider, such as homeowners or renters insurance.

  • Multi-car discounts – Insuring more than one vehicle on your policy can reduce rates by up to 25% per additional car.

What Kinds of Auto Insurance Coverage Are Included?

UPS employee discounts apply to most standard types of auto insurance, including:

  • Liability coverage – Bodily injury and property damage liability insurance protects you if you cause an accident. Minimum state requirements vary, but $100,000/$300,000 is typical.

  • Collision – Pays to repair or replace your vehicle after an accident, regardless of fault.

  • Comprehensive – Covers damage from non-collision incidents like theft, vandalism, weather, or fire.

  • Uninsured/underinsured motorist – Protects you if you’re hit by a driver with no or insufficient insurance.

  • Personal injury protection (PIP) – Provides coverage for medical bills for you and your passengers, usually up to $10,000.

  • Rental reimbursement – Pays for a rental car while your vehicle is in the shop after a covered incident.

Who Qualifies for UPS Employee Auto Insurance Discounts?

UPS employee car insurance discounts extend beyond just active employees. Here are the eligibility requirements:

  • Current full-time and part-time UPS employees

  • Spouses of eligible employees, if they live in the same household

  • Children under 26 of eligible employees, if they live in the same household

To qualify, you’ll need to provide proof of employment or relationship status, such as a paystub, W-2, marriage certificate, or birth certificate.

How Do I Obtain the UPS Employee Discount?

Getting the UPS employee auto insurance discount is easy:

  • Step 1) Determine if your current insurance company offers UPS discounts. If they do, provide proof of eligibility and get a new quote.

  • Step 2) If your insurer doesn’t offer UPS discounts, shop around and get quotes from companies that do, such as Liberty Mutual, Geico, and Farmers.

  • Step 3) Compare quotes and choose the policy that provides the right level of coverage at the best discounted rate.

  • Step 4) Provide required eligibility documentation and complete the enrollment process for your selected insurance company.

That’s it! Start enjoying your exclusive employee discount.

Maximizing Savings with Additional Car Insurance Discounts

Beyond the standard UPS employee discount, you may qualify for other reductions to amplify your savings. Here are some popular car insurance discounts to ask about:

  • Good student discount – Maintaining a 3.0 GPA or higher could save high school or college students up to 25%.

  • Distant student discount – Full-time students living away from home can receive 5-15% off.

  • Student away at school discount – Savings up to 10% for students more than 100 miles from their vehicle.

  • Affinity group discounts – Special rate reductions for belonging to certain alumni associations, fraternal groups, or professional organizations.

  • Early shopper discount – Some companies offer a discount for buying a policy well before your current policy expires.

  • Paperless discount – Opting for electronic documents rather than paper can save around $100 per year.

  • Automatic payment discount – Let your insurer automatically withdraw payments from your bank account to save up to 10%.

Bundling Home and Auto Insurance for Extra Savings

Another great way to maximize savings is by bundling your home and auto insurance policies with the same provider. Benefits include:

  • Discounts up to 20% off both policies

  • The convenience of managing both policies through one company

  • Potential eligibility for additional discounts, like multi-line and loyalty discounts

When getting a quote, be sure to mention you want to bundle home and auto insurance to ensure you get an accurate discounted rate.

Maintaining Eligibility Through Clean Driving

To keep your UPS employee auto insurance discount, avoid incidents that could increase your rates:

  • Traffic violations – Speeding tickets, DUIs, reckless driving citations, and other violations can raise your premiums significantly.

  • At-fault accidents – Causing an accident will impact your rates for 3-5 years.

  • Coverage lapses – Letting your policy expire can make you ineligible for discounts upon restarting coverage.

  • High annual mileage – Driving over 15,000 miles per year may reduce some low mileage discounts.

Always practice safe driving habits and maintain continuous auto insurance coverage to retain your special employee discounts!

Alternative Ways for UPS Employees to Save

If you’re unsatisfied with the discounts offered or are having trouble finding an affordable policy, consider these options:

  • Increase deductibles – Raising your comprehensive and collision deductibles to $500 or $1,000 can reduce premiums substantially.

  • Drop unnecessary coverage – Evaluate if you can go without comprehensive or rental reimbursement to lower your rate.

  • Exclude extra drivers – Removing teen or other high-risk drivers from your policy may decrease your premiums.

  • Downgrade your vehicle – Informing your insurer you drive a less expensive or safer car can help lower your rate.

  • Take a defensive driving course – Completing an approved class can make you eligible for a discount.

Don’t be afraid to ask your insurance agent for suggestions to make your coverage more affordable. Small tweaks can lead to big savings!

The Bottom Line on UPS Employee Insurance Discounts

The opportunity to save on car insurance is an excellent perk for UPS employees and their families. Make sure to take advantage of this exclusive discount by following these steps:

  • Find out which insurance companies offer UPS employee discounts

  • Get quotes and compare rates

  • Provide proof of eligibility to enroll

  • Ask about bundling home and auto insurance

  • Maintain a clean driving record

  • Inquire about additional available discounts

With available discounts of up to 30%, shopping around is worth your time and effort. A little research could put hundreds of dollars per year back in your pocket!

Frequently Asked Questions

Who is eligible for the UPS employee auto insurance discount?

Current full-time and part-time UPS employees, their spouses, and dependent children under 26 are eligible, provided they live in the same household as the employee.

What types of discounts are available?

Common discounts include reduced premiums up to 15% off, good driver discounts up to 30%, defensive driver discounts, multi-policy discounts up to 20%, and multi-car discounts up to 25% off per additional vehicle.

How can I maximize my savings beyond the UPS employee discount?

Bundle your home and auto insurance, maintain a clean driving record, take defensive driving courses, increase deductibles, drop unnecessary coverage, and inquire about additional discounts you may qualify for.

What documentation do I need to provide to get the discount?

You’ll need to show proof of UPS employment or relationship status, such as a paystub, W-2, marriage certificate, or birth certificate.

Can I lose eligibility for the UPS employee discount?

Yes – at-fault accidents, traffic violations, coverage lapses, and high mileage are some factors that could make you ineligible for the best discounts. Always practice safe driving to retain discounts.

What if I’m still unable to find an affordable policy?

Consider downgrading your vehicle, removing teen or high-risk drivers from your policy, or increasing your deductibles. Your insurance agent can also provide guidance to help lower your rates.

7 Car Insurance Discounts You Can Get


Do UPS employees get discounts on car rentals?

All UPS employees are eligible for exclusive employee discount rates at all top car rental companies: Avis, Budget, Hertz, Enterprise and more! Lifetime registration is 100% free to all employees.

What employee discounts do UPS employees get?

The UPS SmartSavings Marketplace is an employee discount portal where UPS employees can find additional savings on many products and services, including cell phone plans, entertainment, vacations, and even auto insurance.

Do UPS drivers get discounts on shipping?

Being primarily a delivery and shipping company, United Parcel Services employees may receive a significant 5% discount when shipping any product of their choice. Shipping services discounts are for personal or household goods based on company norms. All retired employees are eligible for UPS employee discounts.

Do UPS employees have life insurance?

You and your spouse or child may each select employee life insurance as an employee. * Only one spouse may select life insurance coverage for your eligible children.

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