Michigan Insurance Discounts

• Bundle Discounts - Protect all of your important assets and save some money too, by bundling multiple Farmers insurance policies. Earn multi-policy discounts when you carry about of the following policies along with your Farmers Auto policy:
  • Home
  • Renters
  • Mobile Home / Specialty Dwelling
  • Farmers Specialty (Motorcycle, boat, motor home, etc.)
  • Life

• 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.

• Alternative Fuel - Detroit is a hub for hybrid car and alternative fuel technology. So if you’re one of the many locals that drive a hybrid, electric, natural gas, or other alternative fuel vehicle (even if it’s not from one of the Big 3) you get to save at the pump, and on your Auto insurance!

• 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.

• Good Student - Students under 25 get a discount on their Auto insurance by keeping their grades up in school. This discount applies to students that have 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 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.

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

• Home Renovation - Discounts are available to homeowners who have recently replaced or renovated their home’s heating and electrical, or plumbing systems.

• New Home - Homes built in the past 13 years are 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.

• Home Safety - Farmers wants your home to be as safe as possible. So we apply this discount if your home is:
  • Fortified with added protection to 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

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