Michigan Insurance Discounts

• Home
• Renters
• Life
• Farmers Specialty (Motorcycle, boat, motor home, etc.)

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Distant Student – A discount for policyholders that cover a student who goes to school at least 100 miles away from the home, and doesn’t have regular access to your covered car.

Multi-Car – Cover multiple vehicles under the same Farmers Insurance policy, and save.

Youthful Driver – Add a child or grandchild to your policy, 24 and younger, and you may be eligible for this rate discount.

Electronic Funds Transfer (EFT) – Reduce your rate and the chances of missing a payment when you enroll in Automatic Electronic Payments.

Homeowner – Get a lower Auto insurance rate if you own your home.

Pay In Full – Choose to pay your entire premium in one lump installment this term, and we’ll lower your rate with a discount.

Transfer – Switch to Farmers from another approved insurance carrier, and you may be eligible for an additional rate discount.

• High school students with at least a “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 on 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 drivers 55 and older can complete a state-approved Safe Driver Program for an extra discount on their bodily injury, property damage, medical payments, and collision coverage. If you’ve taken a course like this in the past 3 years, you’re eligible for this discount.

Affinity – Employees, retirees, and members of approved business and professional groups in Michigan may be eligible for an additional premium discount. Contact us to see if you qualify.

Multi-line Discounts – A discount is available for Farmers customers who carry Home insurance along with Farmers Auto and/or Life insurance.

New Home – If your home was built within the past 13 years, you’re eligible for this added discount.

New Roof – Earn this discount if you’ve replaced or built a new roof for your home sometime in the past 6 years.

UL Approved Roofing Materials – Roofs made of impact resistant materials, approved and tested by Underwriting Laboratories, like asphalt shingles or asphalt fiberglass, may qualify for this discount.

• Fortified with added protection to the windows, doors, and improved connections between the roof, walls, and foundation to guard against natural disasters and extreme weather
• Equipped with Whole House Water Leak Detection to shut off the main water service when a leak is found
• ENERGY STAR or EPA Certified for energy efficiency
• LEED Certified for high performance green homes
• Equipped with an Automatic Gas Shutoff Valve

Protected Devices – Protect your home with a burglar alarm, central fire alarms, or fire protection sprinklers and Farmers will reward you with premium discounts.