Missouri Insurance Discounts


Auto Insurance Discounts

Discounts for the Family

Discounts for the Family
Multi-line Discounts – Earn multi-policy discount when you cover your most precious investments with quality Farmers products! Cover your vehicles with a Farmers Auto policy, along with any of the following policies, and save:
  • Home
  • Renters
  • Life
  • Farmers Specialty (Motorcycle, boat, motor home, etc.)
  • Life

SignalSM by Farmers® - Signal is an app that analyzes the mechanics of your trips and driving style to help give you insights into your driving patterns. Get smarter about your driving habits, work toward reducing distractions, and earn an additional insurance discount.

Business and Professional Group - As the employee or retiree from an approved occupation group, you may be eligible for an additional rate discount. Contact us to see if you qualify.

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

Distant Student – A discount for policyholders with children who go to school at least 100 miles away from their home, and who don’t regularly use the covered car.

Multi-Car – Save on your auto insurance premium when you cover more than one car under the same policy.


Planning Ahead Discounts

Planning Ahead Discounts
Electronic Funds Transfer (EFT) – Pay your premium bills with Automated Electronic Funds Transfers and we’ll reduce your rate.

Homeowner – Get a better auto insurance rate if you own your home.

Pay In Full – Choose to pay your full term premium in one lump sum payment, and we’ll reduce your rates. Plus, you won’t have to worry about making or missing another payment.

Transfer – Switch to Farmers from another insurance provider, without a lapse in coverage, to earn this rate discount.


Classroom Discounts

Classroom Discounts
Good Student – Missouri students who do well in school can help their folks by saving money on their auto insurance. This good student discount applies to students who meet one of the following criteria:
  • 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.


Homeowner Insurance Discounts

Discounts for the Household

Discounts for the Household

Affinity – If you’re an employee or retiree from an eligible occupational group, you may qualify for an additional premium discount.

Multi-line Discounts – Carry multiple Farmers policies and save across the board. Cover your Home, along with your Auto insurance and/or Life insurance to qualify for multi-policy discounts.


Home Upkeep Discounts

Home Upkeep Discounts
Home Renovation – Discounts are available to homeowners who have recently renovated their heating and electrical or plumbing systems.

New Home –Homes that were built within the past 13 years are eligible for this 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, and approved and tested by Underwriters Laboratories, qualify for this discount.


Home Safety Discounts

Home Safety Discounts
Home Safety – Farmers wants you to be as safe as possible. We apply this discount if your home is:
  • 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
  • ENERGY STAR or EPA Certified for energy efficiency
  • LEED Certified for high performance green homes
  • Equipped with Whole House Water Leak Detection to shut off the main water service when a leak is found
  • Equipped with an Automatic Gas Shutoff Valve

Protected Devices – Home protection systems like burglar alarms, central fire alarms, and fire protection sprinkler systems keep your home safe from invasion and damage. If they’re installed in your home, you may qualify for premium discounts.


Do you qualify for a multi-policy discount?

Find value and convenience with multiple insurance policies from Farmers®.

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.