State Farm Employee Perks: Auto Insurance Discounts And More

State Farm offers a wide range of auto insurance discounts to its customers, including savings for safe drivers, students, and families with multiple vehicles. However, it is unclear if State Farm employees receive discounts on their auto insurance as an employment perk. State Farm does offer various employee perks, but it is best to contact the company directly to inquire about specific benefits.

State Farm's Drive Safe & Save® app

To get started with the Drive Safe & Save® app, you'll need to download the app to your smartphone and create a State Farm account. You'll then receive a Bluetooth beacon in the mail, which you'll need to pair with your smartphone and attach to your windshield. The beacon works together with the app to accurately record your trips. The app will also require you to record your odometer reading by taking a picture of the odometer and listing the mileage within the app.

Once you've completed the setup, the app will automatically collect trip information as you drive. You can then log in to the app to view your overall driving score and trip data. The app will show you where you can improve your driving behaviour, and your discount will be calculated based on your driving performance. According to reviews, some users have received discounts of up to 40% by enrolling in the program.

It's important to note that the Drive Safe & Save® app may impact your phone's battery life, as it uses GPS and Bluetooth services during trips. Additionally, State Farm's privacy policy states that they will not sell your information, but the collected data will be used to help you create safer driving habits and calculate your discount.

Steer Clear® program for new drivers

State Farm's Steer Clear® program is designed for young or new drivers to help them develop safe driving skills and promote good driving habits. The program includes training modules, a driving log, and a final assessment. Here is a detailed breakdown of the Steer Clear® program:

Training Modules:

The program consists of five comprehensive training modules that cover a range of topics to improve driving skills and safety awareness. These modules include:

• Getting ready to drive: This module covers car basics, adjustments, and safety features.
• Focus and distraction: Addresses distracted driving, impaired driving, and hazard scanning.
• Residential and city roads: Focuses on sharing the road, parking lots, intersections, and other common driving scenarios.
• Highway driving: Prepares drivers for highway merging, speed management, lane changes, and blind spots.
• Special driving situations: Covers night driving, bad weather conditions, rural areas, and handling emergencies.

Driving Practice:

Participants are required to complete at least 10 trips, amounting to a minimum of five hours of driving practice. This practical component allows drivers to apply the skills and knowledge gained from the training modules. Friends or family members can accompany new drivers and use the mentor log to track their progress and provide feedback.

Final Assessment:

After completing the training modules and driving practice, participants must pass a final assessment to demonstrate their knowledge and competency in safe driving. This could be in the form of a written test, a driving simulation, or an on-road evaluation.

Benefits:

Upon successful completion of the Steer Clear® program, participants may be eligible for benefits such as discounts on their auto insurance premiums with State Farm. Additionally, they can earn a clean driving record, which can lead to further savings. These benefits not only provide financial incentives but also encourage safe driving habits among young and new drivers.

Eligibility and Requirements:

The Steer Clear® program is typically designed for drivers under the age of 25, particularly those who are new to driving or have minimal experience. However, the program may also be available to drivers of any age looking to improve their skills or take advantage of State Farm's benefits. To be eligible, participants must have a valid driver's license and no at-fault accidents or moving violations within the past three years.

Discounts for bundling insurance policies

Bundling insurance policies can be a great way to save money, with some insurers advertising discounts of up to 30%. However, it is important to shop around and compare quotes from different companies to ensure you are getting the best deal.

• Coverage Options: In addition to standard coverage, some companies offer add-ons such as coverage for water damage, identity theft protection, or replacement cost coverage for belongings.
• Discounts: In addition to bundling discounts, some companies offer savings for things like having safety features in your home or vehicle, being claims-free for a certain period, or signing up for paperless billing.
• Customer Service: Choose an insurer with strong customer service and a low number of consumer complaints.
• Convenience: Bundling policies can simplify policy management and billing, as you only have to deal with one company.
• Price: Compare quotes for separate and bundled policies to ensure that bundling is, in fact, cheaper. In some cases, you may find that it is more cost-effective to have separate policies with different companies.
• Flexibility: Consider your current and future insurance needs. Choose a company that offers flexibility and a wide range of coverage options as your life circumstances change.

Some specific examples of companies that offer bundling discounts include:

• State Farm: State Farm offers a bundling discount of up to $1,273 per year when you combine a homeowners, renters, condo, or life insurance policy with auto insurance. They also offer a wide range of additional discounts and coverage options.
• Amica: Amica offers a bundling discount of up to 30% when you bundle home and auto policies. They also have excellent customer satisfaction ratings and few consumer complaints.
• Auto-Owners: Auto-Owners sells home and auto insurance through local agents in about half of the US states. They offer a variety of coverage options and discounts, including a bundling discount.
• Country Financial: Country Financial offers a range of coverage options and discounts, including a bundling discount. They have strong customer satisfaction ratings and few consumer complaints.
• The Hanover: The Hanover caters to home and auto policyholders with two customizable packages, Platinum and Prestige, which include bundling discounts.
• Progressive: Progressive offers a multi-policy discount when you bundle auto insurance with home, condo, or renters insurance. They also offer discounts for bundling other types of insurance, such as RV, boat, or motorcycle insurance.

Remember, it is always a good idea to shop around and compare quotes from multiple companies to find the best deal for your specific needs.

Defensive driving course discount

State Farm offers a defensive driving course discount to its customers. The discount is available to those who take a driver safety course that has been approved by State Farm. The discount can be up to 15% on the customer's car insurance bill and is dependent on the state, age, and other factors.

To get the defensive driving course discount, customers can follow these steps:

• Request a list of qualified defensive driving courses and their requirements from a State Farm agent.
• Register and pay for a course approved by State Farm. These courses typically cost between $15 and $100.
• Pass the defensive driving course. Courses typically take 4-8 hours to complete.
• Present State Farm with your defensive driving course certificate of completion.
• Verify that the discount is being applied by checking your bill or contacting State Farm directly.

The defensive driving discount can last for up to three years in most states. After it expires, customers can take another training course to get the discount again.

The defensive driving courses that are approved by State Farm teach drivers how to improve their skills behind the wheel and become safer, less aggressive drivers.

Student Away at School Discount

State Farm offers a range of auto insurance discounts, including the Student Away at School Discount. This discount is applicable if one of the operators of a covered vehicle is a student under the age of 25 who moves away to school and only uses the car while at home during school vacations and holidays. This discount can help families with students who are away at school save money on their car insurance premiums.

The Student Away at School Discount is just one of many discounts offered by State Farm to help customers save on their auto insurance. Other notable discounts include:

• Good Student Discount: Students who maintain good grades (a 3.0 GPA or higher) can save up to 25% on their auto insurance. This discount can last until the student turns 25.
• Driver Training Discount: Students under the age of 21 who complete an approved driver education course may qualify for this discount.
• Steer Clear® Program: This program is designed for new drivers or those under 25 years of age. It offers savings while they learn to become better and safer drivers.
• Drive Safe & Save® App: This app provides an initial discount for enrolling, and users can save up to 30% based on their driving habits.
• Accident-Free and Good Driving Savings: State Farm may reward customers who maintain an accident-free driving record or actively work to improve their driving skills.
• Defensive Driving Course Discount: Taking a driver safety course may lead to car insurance discounts, depending on the state.
• Good Driver Discount: New State Farm Mutual customers who have gone three or more years without moving violations or at-fault accidents are eligible for this discount.

It is important to note that the availability and eligibility requirements for these discounts may vary by state, so customers should contact their local State Farm agent or refer to the State Farm website for specific details.

Frequently asked questions