Abstract: A community discount method for giving insurance discounts to customers of an insurance carrier that are part of communities. The method includes enabling a customer to purchase insurance from the carrier and to organize communities with other customers. A premium reduction is generated for organizing communities. The communities lower carrier expenses. The customer can receive a unique identifier, and other customers can purchase insurance from the carrier using the unique identifier to form a community. A discount can be generated for each customer in the community. The discount can be eliminated when customers cancel their policies. The discount can be a reduction of a factor used for premium calculation. The customer can identify other customers who may vouch for them; and send requests to the identified customers. A reduction can be generated when other customers respond to the vouch request and vouch for the customer.