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Smart Maryland Auto and Homeowners Insurance Discounts
Auto Insurance Discounts
Discounts for the Family:
- Bundle Discounts - Bundling insurance policies is a great way to protect all of your important investments and save money at the same time. Marylanders who purchase a Farmers Auto policy and any of the following policies qualify for our multi-policy discounts:
- Mobile Home / Specialty Dwelling
- Farmers Specialty (Motorcycle, boat, motor home, etc.)
- Distant Student - If you cover a student who attends school outside of Maryland, or at least 100 miles away from the home, and they don’t have regular access to your covered vehicle, you may qualify for this discount.
- Teen Driver - Receive a discount if you've had a Farmers Auto policy for 2 years, and a child or grandchild, under 19 years old, is added to your policy.
Planning Ahead Discounts:
- Alternative Fuel - Invest in a hybrid, electric, natural gas, or other alternative fuel vehicle, and not only will you be saving the environment and saving at the pump, but Farmers will help you save on your Auto insurance.
- Early Shopping - If you switch to Farmers Insurance, purchase your new policy at least 7 days before your current one expires for a premium discount.
- Electronic Funds Transfer (EFT) - Opt to pay your premium with Automatic Electronic Payments, and not only will you never miss a payment again, but we’ll reduce your premiums too!
- Homeowner - If you own your home in Maryland, you could qualify for this auto rate discount.
- Loyalty Discount - Cover your car, home, or other investments with Farmers for 3 or more years, and we’ll reward you with this bonus discount.
- Pay In Full - We’ll reduce your rate if you choose to pay your entire term premium in one lump sum.
- Transfer - Switch to Farmers from another approved carrier, without a lapse in coverage, and you’ll qualify for this discount.
- Good Student - Available to all students on a policy under 25 years old, this discount rewards young drivers who keep their grades up in school. It applies to students with proof of one of the following:
- High school students with at least "B" average
- 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 drivers in Maryland can complete a state-approved Safe Driver Program to earn an additional rate discount. If you’ve complete a course like this in the past 3 years, let us know!
Home Insurance Discounts
Discounts for the Household:
Bundle Discounts - Bundling Farmers policies helps you organize your coverages, protect your important assets, and save you money. Earn multi-policy discounts when you carry a Farmers Home insurance policy, along with an Auto and/or Life policy.
Home Safety Discounts:
- Protective Devices - Break-ins and fires are some of the biggest risks to your home and household. Protect them with qualified burglar alarms and fire-safety devices like a sprinkler system, and we’ll reduce your insurance premium.
- Storm Shutters - Guard against hurricane winds by installing windstorm protective devices on your home, and you may qualify for a discount.
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.