Farmers Missouri Auto and Home Insurance Discounts
Auto Insurance Discounts
Discounts for the Family
- Bundle 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:
- Mobile Home / Specialty Dwelling
- Farmers Specialty (Motorcycle, boat, motor home, etc.)
- 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.
- 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.
- Youthful Driver - Earn another rate discount if you add your child or grandchild (24 or under) to your policy.
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 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.
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 "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.
Homeowner Insurance Discounts
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.
- Bundle 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 bundle discounts.
Home Upkeep Discounts
- Home Renovation - Earn this discount if you’ve recently replaced or renovated your home’s heating and electrical, or plumbing systems.
- New Home - Homes that were built within the past 13 years are eligible for this discount.
- New Roof - Newly built or replaced roofs may qualify you for this discount.
- 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 - Farmers wants your home to be as safe as possible. 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.
- 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
Protective 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.
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.