Idaho Insurance
Discounts

• Multi-line Discounts - Qualify for Farmers multi-policy discounts when you cover your car, along with any of the following policies:
  • Home
  • Renters
  • Mobile Home / Specialty Dwelling
  • Farmers Specialty (Motorcycle, boat, motor home, etc.)
  • Life
• Business and Professional Group - Discounts are available for members of certain professional groups or employees of certain businesses. Contact us to see if you qualify!
• Distant Student - Farmers can discount your policy if you cover a student (23 years old or younger) who attends school at least 100 miles away from your home, and doesn’t have regular access to the covered vehicle.
• Multi-Car - Save on your Auto insurance when you cover more than one vehicle under the same Farmers Auto policy.
• Youthful Driver - If you have young drivers, under 25, on your policy, you could save with this discount.

• Alternative Fuel - Farmers may discount your policy if you cover a hybrid, electric, ethanol, methanol, or compressed natural gas powered vehicle.
• Electronic Fund Transfer (EFT) - Enroll in our Automatic Electronic Payments plan, and not only will you never miss a payment again, but we’ll discount your rate as well.
• Homeowner - If you own your home in Idaho, you’re eligible for a discounted rate on your Auto insurance.
• Pay In Full - Farmers will discount your rate if you choose to pay your entire term premium in one lump sum.
• Transfer - Switch over to Farmers Insurance from another carrier, and as long as there’s been no lapse in coverage, you should receive a rate discount.

• Good Student - Statistically, better students make safer drivers. So Farmers gives young drivers in Idaho, under 25, an Auto insurance discount for keeping up a "B" average or better. This discount also applies to students that meet on of the following academic criteria:
  • College students with a 3.0 (out of 4.0) grade point average or higher
  • Dean's List or Honor Roll students
  • Students ranked in the top 20% of their class or in the top 20% in nationally recognized standardized tests

Be ready to submit proof of eligibility (a copy of a report card, grade-point average, etc.) when requesting this discount.

• Mature Driver - Senior Idaho residents, 55 and older, can qualify for an additional rate discount when they complete a state-recognized driving course. This discount is valid for 3 years, and applies to your bodily injury, property damage, medical payments, and collision coverage.

Anti-Theft - Car alarms and other vehicle recovery devices are great options for protecting your car. They also help you qualify for another rate discount.

• Affinity - Employees or retirees of certain businesses or members of professional groups may be eligible for additional discounts. Contact Us to find out if you qualify.
• Multi-line Discounts - Combine your Farmers Home insurance policy with a Farmers Auto and/or Life insurance policy, to earn more discounts.
• Non-Smoker - Qualify for an additional premium discount if no one in your household has smoked in the past 2 years.

• Home Renovation - Newer electrical and heating or plumbing systems make for safer homes. So if you’ve recently renovated, you may be eligible for an additional premium discount.
• New Roof - Get this discount if your roof is newly built, or you’ve recently replaced it within the past 6 years.
• New Home - Discounts are available for homes built within the past 12 years.
• UL Approved Roofing Materials - Roofs made of impact resistant materials, approved and tested by Underwriters Laboratories, like asphalt shingles or asphalt fiberglass may qualify for this discount.

• Home Safety - If you take loss-prevention measures, or make your home more environmentally friendly, Farmers will discount your premium! Qualifying measures include:
  • Fortified homes with added protection to windows, doors, and improved connections between the roof, walls, and foundation to guard against natural disasters and extreme weather.
  • ENERGY STAR or EPA Certified for energy efficiency
  • LEED Certified for high-performance green homes
  • Home equipped with Whole House Water Leak Detection to shut off the main water service when a leak is found
  • Home equipped with an Automatic Gas Shutoff Valve
• Protective Devices - Install a qualified burglar alarm, fire alarm, or a fire protection sprinkler system to protect your home from damages, and we’ll lower your insurance premium.