Insurance Discount Questions

Here are the answers to your questions.

common insurance discounts questions

Other discounts may apply and vary by state. Please contact your local agent for further details. Discounts apply to selected coverages, perils and policy types. Some discounts subject to eligibility. See the Insurance Terms Glossary for full descriptions.

View insurance discounts in your state.

General Questions

What kinds of Auto insurance discounts does Farmers offer?

Farmers offers many Auto insurance discounts to help keep your auto insurance premiums as low as possible. Discounts vary by state. Some of the types of discounts available include:

  • Auto/Home: You can save money on both auto and homeowners insurance by purchasing both of these policies from Farmers.
  • Good Student: Drivers under 25 years of age who are full-time students in high school or college and have good grades may qualify.
  • Multi-Car: If you own two or more vehicles and insure both of them with Farmers, you may qualify for the Multi-Car discount.
  • Alternative Fuel - Owners who drive hybrids and other alternative fuel vehicles may save 5% on all major coverages.

Contact your local Farmers agent to discuss your own individual needs.

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What kinds of Home insurance discounts does Farmers offer?

Depending on your state, Farmers offers a variety of Home insurance discounts to help you save. For example, you can save with:

  • Multi-Line Discounts (Auto/Home, Home/Life) – insure your Auto, Home and Life with Farmers and receive discounts on bother your Auto and Home insurance.
  • Non-smoker discount – save if you have a non-smoking household.
  • Business/Professional Group Discount – a discount on your Home policy will apply if you are employed with or retired from an approved occupation or professional group and meet the eligibility criteria.
  • And more!

Contact your local Farmers agent to inquire about ways to save on Home insurance in your state.

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Discount Definitions Auto

Farmers currently offers discounts in these categories:

Alternative Fuel Vehicle Discount

Vehicles eligible for an insurance discount are dedicated fuel vehicle designed to use an alternative fuel as defined in the Federal Energy Policy Act ("EPact") of 1992 or an electric and gasoline hybrid vehicle. Qualified vehicles include hybrid, electric, natural gas, methane and propane.

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Anti-Lock Brakes Discount

An anti-lock braking system provides your car with added protection through braking technology in many types of driving conditions. Receive a discount if you vehicle is equipped with this feature.

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Anti-Theft Discount

Receive a discount if your vehicle is equipped with an authorized anti-theft protection device provided by the manufacturer of a vehicle as original equipment or an authorized dealer. The device must be self-activating upon locking the vehicle's doors.

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Business/Professional Group Discount

Discount on your Auto policy will apply if you are employed with or retired from an approved occupation or professional group and meet the eligibility criteria.

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Auto/Home Discount

Get a discount on your Auto insurance policy if you purchase a Farmers Homeowners or Condominium policy at the same time.

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Auto/Life Discount

Get a discount on your Auto insurance policy if you purchase a Farmers Life insurance policy at the same time.

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Auto/Renters Discount

Get a discount on your Auto insurance policy if you purchase a Farmers Renters policy at the same time.

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Electronic Stability Control Discount

This discount is available if you have a vehicle equipped with this feature (ESC). In many new cars, this technology helps drivers maintain control of their vehicle during extreme steering maneuvers by keeping the vehicle headed in the driver's intended direction, even when the vehicle nears or exceeds the limits of road traction.

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Good Student Discount

To qualify for the good student discount, the driver must be 16 to 24 years of age and a full-time high school student, or enrolled as a full-time college or university student. The driver will have to provide documentation that they are:

  • A full time student, and
  • The school academic records for the previous school semester or quarter (or comparable segment) show the student:
    • Ranked scholastically in the upper 20% of his or her class, or
    • Had a grade average of "B" or better in schools designating grades by letters (no grade below "B" if such systems cannot be averaged), or
    • Had an average of at least a 3.0 for all subjects combined in a school using numerical (4, 3, 2 and 1) grade points, or
    • Was included in the "Dean's List", the "Honor Roll" or similar list in a school maintaining such a list designating scholastic achievement.

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Multi-Car Discount

Available to households that have two or more vehicles insured with Farmers.

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New Car Credit

Get a one-time credit if your vehicle is the current or next year's model.

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Passive Restraint Discount

Available if your vehicle is equipped with a passive restraint system that requires no action on the part of the vehicle occupants. Automatic Seat Belts wrap around the passenger when they sit in the car. Air bags are loss-reduction devices stored in the dash and/or steering column which are designed to inflate in moderate and severe front end crashes.

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Safe Driver Discount

This discount is available in select states for those with a clean driving record.

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Senior Defensive Driver Discount

To qualify for this discount the principal operator must be at least 65 years of age or, in some states, 55 years of age and have successfully completed a Driver's Education course approved by the Department of Motor Vehicles. A certificate of completion from the approved agency must be provided.

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Discount Definitions Home

Here are a few of our Home insurance discounts:

Business/Professional Group Discount

Discount on your Homeowners policy will apply if you are employed with or retired from an approved occupation or professional group and meet the eligibility criteria.

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Home Renovation

This discount is available to homeowners who agree to and complete an inspection of their home's interior by a Farmers authorized inspector.

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Interior Inspection

This discount is available to homeowners who agree to and complete an inspection of their home's interior by a Farmers authorized inspector.

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Non-smoker

Get a discount if all residents of your household have not smoke tobacco products in the past two years.

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New Home

If your home was constructed during the current calendar year and within the last nine calendar years, you could be eligible for a discount.

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Home/Auto Discount

Get a discount on your Home or Auto insurance policy if you purchase a Farmers Homeowners or Condominium policy at the same time.

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Home/Life Discount

Get a discount on your Home insurance policy if you purchase a Farmers Life insurance policy at the same time.

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Renters/Auto Discount

Get a discount on your Renters or Auto insurance policy if you purchase a Farmers Renters policy at the same time.

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Protective Devices

Discounts are available for insured homes equipped with qualifying burglar and fire protection devices such as central station alarms and interior automatic fire sprinkler systems.

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