Idaho Insurance Discounts

Auto Insurance Discounts

Discounts for the Family

Multi-line Discounts – Qualify for Farmers multi-policy discounts when you cover your car, along with any of the following policies:

Home
Condo
Renters
Mobile Home / Speciality Dwelling
Farmers Specialty (Motorcycle, boat, motor home, etc.)
Life

Signal® by Farmers - Sign up, download and use the Signal app and you’ll receive a 5% discount on your auto policy. You may earn up to 15% at your next renewal*. You can save even more if drivers enrolled on your policy and using Signal are younger than 25.**

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 – If your child goes away for school at least 100 miles from your home, does not have regular access to your covered car, and meets age limits, you may be eligible for this discount. Check with your local Farmers agent for details.

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.

Planning Ahead Discounts

Alternative Fuel – Farmers may discount your policy if you cover a hybrid, electric, ethanol, methanol, or compressed natural gas powered vehicle.

Electronic Funds Transfer (E F T) – 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.

Classroom Discounts

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 national 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.

Defensive Driving Discounts

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.

Home Insurance Discounts

Discounts for the Household

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 Upkeep Discounts

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 Discounts

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.

Adding products could help you save

When you purchase more than one insurance policy from Farmers®, you may qualify for discounts. Find out if adding new coverage will help you save.

Get a Quote Get a Quote

You may be eligible for one or more of these discounts, subject to documentation. Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary. Not all products and discounts are available in every state. Please contact a Farmers agent for details.

*Once you enroll in Signal® by Farmers^® and complete 10 qualifying trips using the app, you will receive an initial 5% discount on your Farmers Insurance^® auto policy. Only one discount can be applied per policy, regardless of the number of enrolled drivers who complete 10 trips. At renewal, the Signal discount may increase or decrease based on the percentage of enrolled drivers on your auto policy using the app and their driving scores. Your renewal discount could range between 0.5% and 15%, except in Colorado where your renewal discount can range from 0.5% to 20% and in Florida where your renewal discount will be 5%.

**The youthful driver component of the Signal discount is not available in Florida and Georgia.

Restrictions apply. Discounts may vary. Not available in all states. See your agent for details. Insurance is underwritten by Farmers Insurance Exchange and other affiliated Insurance entities. Visit farmers.com for a complete listing of entities. Not all insurers are authorized to provide insurance in all states. Coverage not available in all states.

Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Civic Property and Casualty Company, Exact Property and Casualty Company, Neighborhood Spirit Property and Casualty Company, Farmers Insurance Company of Washington (Bellevue, WA) or affiliates. In TX: insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Texas County Mutual Insurance Company, Mid-Century Insurance Company of Texas or Texas Farmers Insurance Company. In NY: insurance is underwritten by Farmers Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company or Farmers New Century Insurance Company. Home office, Los Angeles, CA.

Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2), Civic Property and Casualty Company (#4241-6), Exact Property and Casualty Company (#4240-8), Neighborhood Spirit Property and Casualty Company (#4242-4).

Life insurance issued by Farmers New World Life Insurance Company, a Washington domestic company: 3120 139^th Ave. SE, Ste. 300 Bellevue, WA 98005 (CA#: 0378-0). Farmers New World Life is not licensed and does not solicit or sell in the state of New York.

Securities offered through Farmers Financial Solutions, LLC, (In NY: Farmers Financial Solutions and Insurance Agency), 31051 Agoura Road, Westlake Village, CA 91361. Member FINRA & SIPC

Each insurer has sole financial responsibility for its own insurance. List of all insurers at farmers.com. Not all insurers are authorized in all states. Not all products, coverages, features and discounts are available in every state and may vary by state. Restrictions, exclusions, limits, and conditions apply. See agent for details.