Abstract: A method for electronic validation and application of available, standard discounts to eligible automobile and property insurance policies of an insured which will significantly reduce the administrative cost of the paper-intensive processing methods utilized presently by property and casualty insurance carriers. The system employs a validation system which securely collects information from verification entities such as schools for academic discounts and fire and security monitoring companies for homeowner's discounts. The validation system then authenticates the source of the collected information. Once authenticated, this information is processed and provided to insurance carriers electronically. The insurance carriers then provide the discount to the insured's policy.