State Farm Auto Insurance: Unlocking The Referral Discount Program

State Farm offers a wide range of auto insurance discounts, but it does not have a referral discount program. Customers can save money by being a safe driver, a student, or having multiple household vehicles. Discounts vary by state, and State Farm offers over 20 unique savings opportunities that can be stacked, such as the Drive Safe & Save program, which rewards drivers with up to 30% off for good driving behaviours.

State Farm's Drive Safe & Save program

The Drive Safe & Save app can be downloaded on a smartphone and paired with a Bluetooth beacon, which is mailed to the customer after enrollment. The app provides feedback on driving behaviours such as acceleration, braking, cornering, phone distraction, and speed. It also offers interactive maps of driving routes. Customers can also connect their Ford or Lincoln vehicle directly to the program if it is a 2020 or newer model.

The discount is adjusted every six months based on the customer's driving information from the previous year. State Farm does not share customer information with any third parties and only uses the data collected for research and claims handling.

State Farm's Steer Clear program

• Have a valid driver's license
• Have had no at-fault accidents or moving violations in the past three years
• Successfully complete all the program requirements

The program consists of five training modules, which include videos, driving scenarios, and quizzes. Participants must also complete five hours of driving within at least ten trips. The modules cover a range of topics, including:

• Getting ready to drive
• Focus and distraction
• Residential and city roads
• Highway driving
• Special driving situations

The Steer Clear program is a great way for young and new drivers to improve their driving skills, learn safe driving habits, and earn savings on their auto insurance.

State Farm's Good Student Discount

State Farm offers a good student discount, which can save drivers under 25 years old up to 25% off the cost of the policy. To qualify, you must be enrolled full-time as a high school or college student and maintain a GPA of 3.0 or higher. This is about a 'B' average, and the discount can last until you turn 25, as long as you maintain the right GPA.

The good student discount is available to homeschooled students as well. However, since they may not have a GPA to show, they can take a national standardized test such as the SAT or ACT and show scores in the upper 20% to qualify.

State Farm offers this discount because a good GPA is evidence of someone who is responsible and able to follow rules and meet deadlines. A responsible student is more likely to be a responsible driver and to keep up with payments.

In addition to the good student discount, State Farm offers other auto insurance discounts for students, such as the student away at school discount, driver training discount, and defensive driving discounts.

State Farm's Good Driver Discount

State Farm offers a range of auto insurance discounts, including its Good Driver Discount. This discount is available to new State Farm Mutual customers who have gone three or more years without moving violations or at-fault accidents.

State Farm also provides additional savings for customers with multiple insurance products, such as homeowners, renters, condo, or life insurance policies, in addition to vehicle insurance.

The company's auto insurance discounts vary by state, and customers are encouraged to check with their local State Farm agent to understand their eligibility for specific discounts.

State Farm's Accident-Free Discount

State Farm offers a range of auto insurance discounts to its customers, including the Accident-Free Discount. This discount rewards drivers who maintain an accident-free driving record and is part of State Farm's safe driver discounts.

Accident-Free Discount

Safe Driver Discounts

State Farm's safe driver discounts are one of three main groups of discounts offered by the company, alongside vehicle safety discounts and customer loyalty discounts. The Accident-Free Discount is a key part of this group, alongside the Defensive Driving Course Discount, the Student Away at School Discount, the Good Driving Discount, the Driver Training Discount, and the Steer Clear® Discount.

Accident-Free Discount Availability

The Accident-Free Discount is available to any driver listed on a policy, but it only applies once if multiple drivers qualify for the same discount. The availability and eligibility criteria for State Farm's Accident-Free Discount vary by state.

Frequently asked questions