What Is a Paperless Billing Car Insurance Discount?

Is your desk cluttered with paperwork? Going paperless can lessen clutter and get you a discount on your car insurance. Here's how to do it.
woman paying for insurance on computer

It can be hard to keep track of all of your bills. Especially when they’re pieces of paper lying on a desk or counter. Luckily, car insurance companies give you the option to receive your bills electronically. You may also see insurers call this paperless billing. Your paperless bills usually come via email or in your account on your insurer’s website.

Many insurers will give you a discount if you choose to receive paperless bills. They give you a discount because going paperless means they’ll spend less money or resources to send out bills. It also helps the environment to receive your bills online. Your exact savings will depend on who your provider is. It’ll also depend on your state. Keep in mind that this discount isn’t available in California.

This article will take an in-depth look at paperless billing discounts. First, we’ll tell you about going paperless and why it may benefit you. You’ll also learn how this discount works and how to qualify for it. A lot of insurers offer this discount. We’ll list some of the major carriers that offer it.

Find the best car insurance deal

Get better coverage, lower rates, or both by comparing quotes with our fast, easy-to-use form.

Advertiser Disclosure

Why You Should Go Paperless

A lot of people choose to go paperless because it’s convenient. But there are plenty of other reasons to do it. These are some of the key benefits of paperless billing:

  • You might get a discount. Insurance companies may give you a discount for going paperless. Your rates will go down, even if by a small percentage. This is an easy discount to qualify for that can go a long way in saving you money. Be sure to check with your agent about a paperless discount.
  • Convenience. Gone are the days of desk clutter because of old bills. You also won’t have to save every bill in a file cabinet or a drawer. Paperless bills go straight to your account with your insurer or to your email, where you can download them.
  • It helps the environment. Switching to paperless billing can make a difference for the environment. If fewer customers receive their bills in the mail, your insurer will have less of a reason to buy mass amounts of paper.

How Paperless Billing Discounts Work

Almost all insurance companies offer discounts to customers so that they can lower their rates. In other words, discounts can help you curb often pricey car insurance rates. These discounts usually have something to do with you or a task that you carry out.

Every discount lowers your rates by a certain percentage. But not all of them will give you equal savings. Some discounts will save you more than others. Your savings will depend on your insurer and the state that you live in. Some states, such as California, will even restrict which discounts you can qualify for.

How to Qualify for a Paperless Billing Discount

One discount that you can easily get is the paperless billing discount. Most insurers will give you the option to receive your bills online. By choosing to do so, you’ll get a discount. Normally, all you have to do is select paperless billing as an option on your insurer’s website.

Who Offers a Paperless Billing Discount

Most insurers will allow you to switch over to paperless billing. But not all of them will give you a discount for it. Also, keep in mind that each insurer runs their discount programs in their own way. Below are major insurance companies that will give you a paperless billing discount:


You can get a discount from Progressive if you go the paperless route. All you have to do to qualify is elect to receive bills online. Progressive doesn’t say exactly how much you’ll save with this discount. It’s going to vary depending on your state and personal details.

Liberty Mutual

Liberty Mutual offers a discount for going paperless with them. They call this the paperless policy discount. Liberty Mutual doesn’t say the exact percentage of savings. Your agent might have more info on how much you can expect to save with this discount. To get it, you’ll just have to switch your policy over to paperless documents and billing.

Farmers Insurance

Another company that’ll give a discount for paperless billing is Farmers Insurance. They call this the ePolicy Discount. This is where you choose to receive all documents that relate to your policy online. As is common with this discount, Farmers doesn’t say how much you can save. But they do say that you could get rid of your service charges by going paperless.

American Family Insurance

With AmFam, you can get a discount for going paperless. You just have to set your policy up so that you receive bills electronically. You can also get a discount for automating your payments with them.


You could get a discount for going paperless with Nationwide. Like the other companies, paperless billing is something you’ll have to register for on their website. Then, you should be eligible. Be sure to speak with your agent about how much you can save Nationwide. Also, remember that state limits may apply to this and other discounts.

NJM Insurance

NJM offers a paperless discount when you request electronic insurance documents. This discount is only available in CT, MD, OH, and PA. To find out how much you’ll save, contact NJM or an agent.


Insurance companies often rewards customers that accept electronic versions of their policy documents and bills. Amica’s paperless discount is their way of saying “thanks for saving the planet.” Their website is thin on details, so contact Amica to learn more.


Mercury has a paperless discount, too. They call it the E-Signature discount. It helps you save when you sign your insurance documents online. To find out how much you’ll save, contact Amica or ask and agent.

Note that these may not be the only companies that offer a paperless billing discount. Local companies and other large insurers may lower your rates for going paperless. If your insurer isn’t part of the list above, it’s worth comparing quotes from insurance companies with the paperless discount.

Frequently Asked Questions

Q: Is it worth it to go paperless?

A:  Going paperless can benefit you in many ways. First, it’s more convenient. You won’t have a bunch of clutter and missing documents. Everything will be online and a tap of a finger away. You could also be in line for a discount, depending on your insurer and state. And you’d be helping the environment by using less paper and resources to transport your bills to you.

Q: Does going paperless get rid of monthly payment fees?

A: When you choose to go paperless for your bills, you may be able to avoid paying any service fees. This could be an easy way to save more money on top of the discount you may receive. That’ll depend on your insurer. You should review their paperless policy and ask them about it if you have any questions.

Q: How will I remember to pay my bill and keep track of receipts when I go paperless?

A: Any time you have an upcoming payment or receipt, your insurer will likely send you an email or alert of some kind. This is a common practice, and it will ensure you don’t forget any payments. You can also keep track of your bills by downloading the documents to your computer. This’ll replace saving them in a drawer or file cabinet.


Related Articles: