Farmers Insurance Discount Driving Systems: A Safe Bet For Savings?

Farmers Insurance offers a range of discounts for its auto insurance customers, including for safe driving. The company's Signal® program tracks driving behaviour and rewards safe driving with a discount. However, it's important to note that Farmers Insurance may raise a driver's insurance rates if they perform poorly on the app. For those who want to improve their driving skills, Farmers Insurance offers a discount for completing an approved defensive driving course.

Farmers Insurance also offers various other discounts, including for good students, distant students, youthful drivers, and affinity groups.

Affinity discounts for qualifying employees, members or retirees of certain groups or businesses

Affinity discounts are savings programs that reward customers for being part of an organization. Affinity discounts are available to members of certain professional groups and associations, emphasising Farmers' commitment to serving communities and professions.

To qualify for an affinity discount, you must be a member of a specific organization, work for a specific employer, or hold a specific job title. Affinity discounts are available to employees at partner companies or teachers, professors, healthcare professionals, or government employees.

If you are a qualifying employee, member, or retiree of certain groups or businesses, Farmers Insurance provides affinity discounts. Affinity group discounts can range from 3% to 20% for large organizations.

• Fraternities and sororities
• College honour societies
• Auto clubs
• Various employee associations
• Jobs such as EMTs, teachers, healthcare professionals, police officers, firefighters, and government employees
• Active military personnel or veterans
• Wholesale shopping clubs

If you are a qualified employee, you may need to show proof to the insurer. Here are some documents that can be used as proof:

• Copy of your employee ID
• Letter or email from your employer

Affinity discounts are a great way to save money on your insurance premiums. However, it's important to note that these discounts are not available in every state, and the amount you save may vary depending on the insurer.

Safe driver discounts for those with no bodily injury points on their insurance

Safe driving can help lower your auto insurance rates. If you are a safe driver with no bodily injury points on your insurance, you may be eligible for a discount on your Farmers Insurance policy.

Farmers Insurance offers a safe driver discount for those with no bodily injury points on their insurance, meaning no injuries caused to others in a crash you caused. This is one of several ways that Farmers Insurance rewards safe driving.

To qualify for the safe driver discount, you must maintain a clean driving record, with no accidents or traffic violations over a specific period. The specific requirements may vary by state, so it is best to check with Farmers Insurance to see if you meet the criteria. Generally, you need to be accident and violation-free for at least three years to qualify for the safe driver discount.

Farmers Insurance also offers a defensive driving discount for those who take a proactive approach to improving their driving skills and road safety awareness. Completing an approved defensive driving course can further reduce your premium. Contact a Farmers Insurance representative to find out how much you can save by taking a defensive driving course.

In addition to the safe driver and defensive driving discounts, Farmers Insurance offers other ways to save on your auto insurance premium. For example, Farmers Insurance offers a multi-car discount for drivers who insure more than one vehicle in their household. You may also be eligible for a discount if you have safety features on your vehicle, such as anti-lock brakes, airbags, and anti-theft devices.

By taking advantage of these discounts, you can help keep your auto insurance rates low while maintaining the coverage you need.

Distant student discounts for students living 100+ miles away from home

Many insurance companies offer a discount for students who live away from home, known as the "Distant Student", "Student Away at School", or "Student Away from Home" discount. This discount is applicable when a student lives more than 100 miles away from their home address and does not have access to a vehicle at their school.

The discount is typically applied to the parents' car insurance policy, allowing the student to remain covered when driving any vehicles listed on that policy during visits home. The distant student discount is ideal for students who do not plan to drive while living away at college. By applying this discount, parents can save between 5% and 30% on their car insurance rates.

To qualify for the distant student discount, insurance providers may require that the student attends full-time classes and is below a certain age, such as 22 or 25 years old. It's important to note that each insurance company has its own specific requirements for this discount, so it's recommended to contact your insurance agent to determine eligibility and understand their rules and restrictions.

In addition to the distant student discount, there are other ways for families with college students to save on car insurance. One option is to change the student's status to an occasional driver, provided they drive less than 25% of the car's annual mileage. Removing the student from the policy altogether can also result in significant savings, although this may not be advisable if the student occasionally drives during visits home. Another option is to keep the student on the policy but assign them to the least valuable vehicle, which can help lower premiums. Good student discounts are also available from many insurers, rewarding students who maintain a certain grade point average, typically a "B" average or higher.

Youthful driver discounts for drivers under 25

Farmers Insurance offers a youthful driver discount for drivers under 25. This is one of several discounts aimed at younger drivers on their parents' insurance policies.

Other discounts for young drivers include:

• Distant student: Students who live 100+ miles away from home and don’t use policy-covered family cars often could be eligible for this discount.
• Good student: To qualify, students must have a GPA of at least 3.0, be on the Dean’s List, Honor Roll, or be in the top 20% of their class or standardized testing.
• On-your-own: Young drivers under 29 who move into a new household may qualify for this discount.

Young drivers can also save money by taking a defensive driving course. Farmers Insurance offers a discount for those who complete an approved course online.

Signal discounts for safe driving tracked by the Signal app

Farmers Insurance offers a Signal discount program that rewards safe driving tracked by the Signal app. The Signal app monitors driving behaviours such as distracted driving, braking, and speed. By allowing Farmers to track these driving habits, drivers can save up to 30% on their insurance premiums.

It is important to note that while the Signal program offers discounts for safe drivers, Farmers may raise insurance rates if a driver performs poorly on the app. Therefore, it is recommended to read about the Signal program before participating. The Signal app is not available in all states, including California, Hawaii, New York, and South Carolina.

In addition to the Signal discount, Farmers Insurance offers a variety of other ways to save on auto insurance. These include discounts for good students, multiple-car policies, anti-lock brakes, anti-theft devices, and more. Farmers also offers bundling discounts for customers who purchase multiple types of insurance, such as home and auto policies.

Farmers Insurance is one of the largest insurance companies in the US, offering policies in all 50 states and Washington, D.C. The company provides various options to help customers lower their insurance premiums, including discounts for safe and focused driving tracked by the Signal app.

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