(And How to Start Saving Today)

If you’re a homeowner or driver in Chesterfield County, you’re probably looking for ways to save on your insurance—especially with rising costs across Virginia. But here’s the good news: most people are leaving money on the table without even realizing it.

At Hoppy Insurance Agency, we help local families, new homeowners, and longtime residents uncover hidden discounts that can add up to hundreds in savings each year—without sacrificing coverage.

In this post, we’ll walk you through the most overlooked insurance discounts available in Chesterfield (and throughout Virginia), and how you can take advantage of them starting today.

1. The Power of Bundling (Home + Auto)

This one might not be “hidden,” but many people still miss it—especially when using separate companies for home and auto insurance.

Bundling your policies with one insurance carrier can unlock savings of 15–30%. Even better, it simplifies billing, reduces paperwork, and can make claims easier to manage if something affects both policies (like a major storm).

Pro Tip: Even if your current carrier doesn’t offer a great bundling discount, Hoppy Insurance Agency can shop multiple carriers to find the one that gives you the best combined rate.

2. New Roof or Home System Updates? Let Your Agent Know!

Chesterfield has many homes built between the 1980s and early 2000s. If you’ve replaced your roof, updated your electrical panel, or installed new plumbing or HVAC systems recently—congrats! That lowers your risk profile.

Insurance companies love updated systems, but they won’t apply discounts unless they know. Simply notifying your agent can save you money.

You could qualify for:

New roof discount
Updated electrical or plumbing credit
Central HVAC system discount
Leak detection system or smart water shutoff discount

3. Protective Devices & Smart Home Technology

Many homes in Chesterfield are equipped with security systems, smart thermostats, leak sensors, and smoke detectors—but the homeowners forget to report them.

You may qualify for discounts for:

Monitored home security systems
Automatic water shut-off valves
Temperature/freeze sensors
Fire or smoke alarm monitoring
Video doorbells or camera systems

Even renters insurance policies can be discounted for these smart home features.

Hoppy Tip: Some insurance companies even offer free smart home devices if you insure with them!

4. Good Student Discount (Even for Part-Time Drivers)

If you have a student on your auto policy—high school or college—they may qualify for a Good Student Discount if they:

Maintain a B average (3.0 GPA or higher)
Are under age 25
Are enrolled full-time in school

In Chesterfield, where school districts like CCPS have strong academic records, this is an easy way to cut costs—especially with teen driver premiums being so high.

And if your student is away at school without the car? You may also qualify for a “student away at school” discount.

5. Military, Educator & Government Employee Discounts

Virginia has a large population of military families, veterans, and government workers—and insurance companies know it. Many offer discounts for:

Active-duty military or veterans
Federal, state, or local government employees
Teachers and school staff (including administrators, custodians, and support roles)

Chesterfield residents who work for Chesterfield County Public Schools, Virginia State Police, or Fort Gregg-Adams (just south in Prince George) may qualify automatically—just ask!

6. Drive Less? You May Pay Less

With more people working from home in Chesterfield and surrounding areas, driving habits have changed. If your daily mileage is now 10 miles or less—or you don’t commute at all—you could qualify for a low-mileage discount or be eligible for usage-based insurance (UBI).

UBI programs use a mobile app or plug-in device to track driving habits like:

Braking
Speed
Time of day
Miles driven

Safe drivers can see up to 30% off their auto insurance premium!

7. Claims-Free or Loyalty Discounts

If you’ve gone several years without filing a claim, you may already be earning a discount without realizing it.

But here’s where many people go wrong: when they switch carriers, they lose that claims-free credit—unless their new agent transfers it properly.

At Hoppy Insurance Agency, we work with carriers that honor previous claims-free periods and even apply loyalty credits when switching from select companies.

8. Paid-in-Full or Auto Pay Discounts

If you’re in a position to pay your annual premium up front—or sign up for automatic withdrawals—you could earn an easy discount.

Most companies offer savings for:

Paying in full
Signing up for automatic monthly billing
Going paperless (email-only billing)

These discounts won’t save you thousands, but they’re stackable—meaning they can be combined with other discounts to lower your premium further.

9. Homeowners Insurance Discounts You Might Not Know Exist

Here are a few additional hidden gems:

HOA discount – If you live in a managed neighborhood or community association
Gated community discount – For neighborhoods with limited public access
Fire hydrant proximity – Living within 1,000 feet of a hydrant can reduce your rate
Claim prevention measures – Like sump pumps, battery backups, or French drains

Many of these apply to Chesterfield neighborhoods, especially newer subdivisions in Moseley, Magnolia Green, and Winterpock.

10. Multi-Car, Multi-Line, and Legacy Discounts

If you insure more than one vehicle, you likely already have a multi-car discount. But if you add other policies—like a motorcycle, boat, RV, or even umbrella coverage—you may unlock multi-line discounts across the board.

Bonus: If your parents or kids also insure with the same company, you may qualify for a legacy or family loyalty discount.

How to Make Sure You’re Not Missing Out

Here’s how you can make sure you’re getting every discount you deserve:

Schedule a policy review once a year
Tell your agent when you make home upgrades or add smart tech
Ask about available bundling opportunities
Provide updated mileage and driver details
Shop multiple carriers—not all discounts apply the same way

At Hoppy Insurance Agency, we’ll review your policy line-by-line and compare rates across top Virginia carriers to make sure you’re getting the best value.

Final Thoughts

Insurance doesn’t have to be expensive—especially if you take advantage of all the discounts available to you. From bundling and smart home credits to local employment perks and student achievements, there are more ways to save than you might think.

Let Hoppy Insurance Agency help you uncover what you’re eligible for—so you can stay protected and pay less doing it.

Ready to save more on your auto or home insurance in Chesterfield County?
Message us today for a free, no-obligation policy review!