AMA Insurance Discounts

It’s OK to admit that when you think of saving money, insurance isn’t the first thing to come to mind – but that’s about to change. These discounts are available with valid AMA home or auto insurance policies.

Auto Discounts

Depending on your age, your driving record, or the type of coverage you choose, the following auto insurance discounts may be available:

Multi-Vehicle Discount
Save if you have more than one vehicle insured with AMA
Multi-Policy Discount

Save on both your AMA auto insurance coverage and your home insurance when you insure both with us. This includes condo and renters policies too! (Discount does not apply to mobile home policies)

Driver Education

Graduates from an AMA Driver Education course for new drivers receive a coupon for up to $200 off their AMA auto insurance.

Recreational Vehicles

AMA members receive a membership discount for insuring the following recreational vehicles:

  • ATVs
  • Motorcycles
  • Snowmobiles
Loyalty Discount
Save on your insurance just for being with the same insurance company for the past four years — even if it isn’t with us!
Member Discount
We reward AMA members with our best rates on auto insurance. All it takes is being an AMA member for at least two years.
Winter Tire Discount
Alberta’s a winter-driving province, and winter tires are the best way to keep it between the ditches when the road gets icy. We want to save you money when you make the choice to protect yourself from those slick conditions.
Green Discount
We think protecting the environment is important, which is why we reward eco-conscious drivers for having a hybrid or electric vehicle.
Complete Protection Discount
When you invest in full coverage for your vehicle (which includes Collision, Comprehensive and Liability), we offer a great discount!
Free Accident Forgiveness Coverage
Why let one fluke accident affect your insurance rates? We include free accident forgiveness coverage as an exclusive benefit for qualifying members who insure both their home and vehicle with us.
Safe Driver Rate
AMA offers a special rate for customers who keep their driving record ticket-free.
Claims Free Rate
This one is pretty self explanatory – if no claims have been paid on your behalf, you’ll qualify for our special claims-free rate

Property Discounts

You may be eligible for the following personal property discounts, allowing you to save money on your home, condo or renters insurance policy.

Loyalty Discount
  • Get a 4% discount if you’re a homeowner or farm homeowner, and have been insured with AMA for three to four years.
  • Get a 3% if you’re a mobile homeowner, and have been insured with AMA for three to four years.
  • Get a 6% discount if homeowner or farm homeowner, and you’ve been insured with us for five or more years.
  • Get a 5% discount if mobile homeowner, and you’ve been insured with us for five or more years.
    Save 10% on your policy if you’re a condo owner and you’ve been insured with us for five or more years.
Mortgage-Free Discount

Get a 11% discount if you’re a homeowner or a farm homeowner and you’ve paid off your mortgage. (Congratulations, by the way!)

Multi-Policy Discount
Save on both your AMA auto insurance coverage and your home insurance when you insure both with us. This includes condo and renters policies too! (Discount does not apply to mobile home policies)
Mature Member Discount
  • Save 10% if you’re a homeowner or a farm homeowner and are 50 years of age or older.
  • Save 10% if you own a condo and are 55 or older.
Alarm System Discount

If you are a homeowner, farm homeowner, or condo owner with a home security system:

  • Save 10% if you have a centrally monitored burglar and/or fire alarm system.
  • Save 5% if you have a local alarm that’s not monitored.
New Home Discount
  • Qualify for a 15% discount if you’re a homeowner, farm homeowner, or mobile homeowner and your home is five years old or newer.
  • Save 10% if your home is six to 10 years old.
  • Save 5% if your mobile home is six to 10 years old.

Review your policy, then give us a call or come in to an AMA centre. We’ll help you figure out what discounts you qualify for. All discounts are subject to underwriting rules and guidelines.