Typical Car Insurance Discounts By State

Jan 21, 2010

By Staff writer State Farm™ Employee

Looking to save some money on your car insurance? Most insurance companies offer discounts that can help save money on your policy. However, discounts vary depending where you live, so choose your state to find out which ones might be available to you.

If you happen to be a State Farm policyholder and are not sure whether you qualify for a certain discount, get in touch with your agent, who should have an answer for you. Discounts specific to State Farm.

Alabama

Defensive Driving Course Discount

The base premiums for bodily injury and property damage liability, medical payments, and collision coverages applicable to a private passenger automobile are generally reduced provided the principal operator:

  • Is at least 55 years of age, and;
  • Has voluntarily taken and completed a Motor Vehicle Accident Prevention Course within the past three years. Such course must be sponsored by the National Safety Council, the American Automobile Association, or the American Association of Retired Persons or shall be an equivalent program approved by the Department of Public Safety and certification presented to the Company.

Driver Training Discount

You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

  • Was conducted by an instructor who is licensed or certified to conduct such a course; and,
  • Included classroom instruction in basic traffic and safety rules, plus driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

Good Driving Discount

You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

All driving history will be verified at the time an application is submitted for insurance.

Good Student Discount

All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

  • Ranked scholastically in the upper 20% of his or her class.
  • Had a grade average of B or higher.
  • Had a grade point average of 3.0 (out of 4.0) or higher.
  • Was included in the Dean's List or Honor Roll.

Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered. Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

  • PSAT
  • PLAN
  • SAT-1
  • ACT
  • TAP
  • California Achievement Test

Proof of eligibility is required when an application for insurance is submitted.

Multiple Automobiles Discount

You may be eligible for this discount if you meet all of the following criteria:

  • There are two or more private passenger automobiles primarily driven by persons residing at the address.
  • All of the vehicles are insured with the same insurance company.
  • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

Multiple Line Discount

You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

Passive Restraint Discount

1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

Vehicle Safety Discount

1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

Alaska

Defensive Driving Course Discount

You may be eligible for this discount if all of the following apply:

  • The principal operator is at least 55 years of age and,
  • The principal operator has voluntarily taken and completed a Motor Vehicle Accident Prevention Course which has been approved by the Department of Public Safety

Driver Training Discount

You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

  • Was conducted by an instructor who is licensed or certified to conduct such a course; and,
  • Included classroom instruction in basic traffic and safety rules, plus driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

Good Driving Discount

You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

All driving history will be verified at the time an application is submitted for insurance.

Good Student Discount

All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

  • Ranked scholastically in the upper 20% of his or her class.
  • Had a grade average of B or higher.
  • Had a grade point average of 3.0 (out of 4.0) or higher.
  • Was included in the Dean's List or Honor Roll.

Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered. Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

  • PSAT
  • PLAN
  • SAT-1
  • ACT
  • TAP
  • California Achievement Test

Proof of eligibility is required when an application for insurance is submitted.

Multiple Automobiles Discount

You may be eligible for this discount if you meet all of the following criteria:

  • There are two or more private passenger automobiles primarily driven by persons residing at the address.
  • All of the vehicles are insured with the same insurance company.
  • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

Multiple Line Discount

You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

Passive Restraint Discount

Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

Vehicle Safety Discount

1994 and new model year vehicles with factory installed safety devices such as anti-lock brakes, effective head restraints, side air bags, daytime running lights, etc., may receive a discount on the premium for Medical Payments Coverage.

Arizona

Driver Training Discount

You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

  • Was conducted by an instructor who is licensed or certified to conduct such a course; and,
  • Included at least 30 hours of classroom instruction in basic traffic and safety rules, plus at least 6 hours of driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

Good Driving Discount

You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

All driving history will be verified at the time an application is submitted for insurance.

Good Student Discount

All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

  • Ranked scholastically in the upper 20% of his or her class.
  • Had a grade average of B or higher.
  • Had a grade point average of 3.0 (out of 4.0) or higher.
  • Was included in the Dean's List or Honor Roll.

Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered. Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

  • PSAT
  • PLAN
  • SAT-1
  • ACT
  • TAP
  • California Achievement Test

Proof of eligibility is required when an application for insurance is submitted.

Multiple Automobiles Discount

You may be eligible for this discount if you meet all of the following criteria:

  • There are two or more private passenger automobiles primarily driven by persons residing at the address.
  • All of the vehicles are insured with the same insurance company.
  • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

Multiple Line Discount

You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

Passive Restraint Discount

Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Basic and Additional Personal Injury Protection and Optional Basic Economic Loss.

Vehicle Safety Discount

1994 and new model year vehicles with factory installed safety devices such as anti-lock brakes, effective head restraints, side air bags, daytime running lights, etc., may receive a discount on the premium for Medical Payments Coverage.

Arkansas

Defensive Driving Course Discount

You may be eligible for this discount if all of the following apply:

  • The principal operator is at least 55 years of age.
  • The principal operator has successfully completed a Motor Vehicle Accident Prevention course taught by an approved instructor for a minimum number of hours of actual classroom or field driving instruction as determined by the Department of Motor Vehicles (Office of Driver Services).

Driver Training Discount

You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

  • Was conducted by an instructor who is licensed or certified to conduct such a course; and,
  • Included classroom instruction in basic traffic and safety rules, plus driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

Good Driving Discount

You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

All driving history will be verified at the time an application is submitted for insurance.

Multiple Automobiles Discount

You may be eligible for this discount if you meet all of the following criteria:

  • There are two or more private passenger automobiles primarily driven by persons residing at the address.
  • All of the vehicles are insured with the same insurance company.
  • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

Multiple Line Discount

You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

Passive Restraint Discount

1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

Vehicle Safety Discount

1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

California

California Good Driver Discount

All operators of your vehicle must be "good drivers" as defined by California law.

Good Student Discount

All males and females with less than 9 years driving experience, who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

  • Ranked scholastically in the upper 20% of his or her class.
  • Had a grade average of B or higher.
  • Had a grade point average of 3.0 (out of 4.0) or higher.
  • Was included in the Dean's List or Honor Roll.

Males and unmarried females with less than 9 years of driving experience, who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

  • PSAT
  • PLAN
  • SAT-1
  • ACT
  • TAP
  • California Achievement Test

Proof of eligibility is required when an application for insurance is submitted.

Inexperienced Driver Safety Education Discount

In order to initially qualify for this discount, the following may be required:

  • All drivers with less than nine years of driving experience who are assigned to the automobile must:
    • have no at-fault accidents or moving violations and
    • have successfully completed a course, consisting of an exam and a video, in an insurance agent's office.
    • All vehicles in the household must be insured with the same insurance company.

Mature Driver Improvement Course Discount

You may be eligible for this discount if all of the following apply:

  • The principle operator of the vehicle is at least 55 years of age, and
  • The principle operator of the vehicle has voluntarily taken and successfully completed a Mature Driver Improvement Course within the past 3 years. Such course must have been approved by the Department of Motor Vehicles

Multiple Automobiles Discount

You may be eligible for this discount if you meet all of the following criteria:

  • There are two or more private passenger automobiles primarily driven by persons residing at the address.
  • All of the vehicles are insured with the same insurance company.
  • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

Multiple Line Discount

You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

Vehicle Safety Discount

1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

Loyalty Discount

You may be eligible for a discount on your private passenger vehicle, motor home or motorcycle premium if your household has insured an eligible vehicle with the same insurance company for 1 year or longer. The amount of the discount increases every year for up to 6 years.

Alberta Canada

College Student Discount

This discount may be available to unmarried operators under 25 years of age, who are resident students at school, college or other educational institution which is over 161 road km (100 road miles) from the residence of the named insured.

Driver Training Discount

This discount may be available to youthful drivers under the age of 25 who have completed an acceptable driver education course.

Good Student Discount

The Good Student Discount applies to all unmarried operators under 25 years of age and at least 16 years of age who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester or quarter show that this student attended full time and meets at least one of the following:

  • Ranked scholastically in the upper 20% of his or her class.
  • Had a grade average of B or higher.
  • Had a grade point average of 3.0 (out of 4.0) or higher.
  • Was included in the Dean's List or Honor Roll.
  • This discount applies to insureds who have graduated from a 3 or 4 year college or university and has a cumulative scholastic record meeting the above requirements.

Proof of eligibility is required when an application for insurance is submitted.

Multiple Automobiles Discount

You may be eligible for this discount if you meet all of the following criteria:

  • There are two or more private passenger automobiles primarily driven by persons residing at the address.
  • All of the vehicles are insured with the same insurance company.
  • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

Multiple Line Discount

You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

New Business Discount

You may be eligible for this discount if you meet all the following criteria:

  1. All drivers in your household have been licenced in the U.S. or Canada for at least five years.
  2. The combined driving records of all the drivers in the household include no violations and no accidents during the past five years.

If there are two or more vehicles in the household, the number of vehicles receiving the discount may not exceed the total number of vehicles minus the number of inexperienced drivers. However, if there are no drivers in the household who have been licensed for three or more years, the discount may not apply to any of the vehicles in the household.

New Brunswick Canada

Accident Free Discount/Accident Forgiveness

This discount may apply to policies that have been in-force for at least 3 years and there have been no chargeable accidents during that 3 year period.

The discount increases as the number of accident free years increases. It works as follows:

  • Policy that is 3 years accident free obtains 12% Accident Free Discount
  • Policy that is 6 years accident free obtains 17% Accident Free Discount
  • Policy that is 10 years accident free obtains 22% Accident Free Discount qualifies for a "Forgivable Accident"

Forgiven Accidents: if a policy has been accident free for 9 years, the first chargeable loss may be "forgiven" and drivers may maintain their Accident Free Discount at the same level as before the loss.

Driver Training Discount

You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

  1. Was conducted by an instructor who is licensed or certified to conduct such a course and
  2. Included at least 30 hours of classroom instruction in basic traffic and safety rules, plus at least 6 hours of driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

First Chance Discount

You may be eligible for this discount if the following requirements are met:

  • All drivers with less than 6 years driving experience who are assigned to the automobile must:
  • have no at-fault accidents
  • have no conviction

Good Driving Discount

You may be eligible to receive this discount if the combined driving records of all the drivers in your household include no convictions and no at-fault accidents during the past three years.

Multiple Automobiles Discount

You may be eligible for this discount if you meet all of the following criteria:

  • There are two or more private passenger automobiles primarily driven by persons residing at the address.
  • All of the vehicles are insured with the same insurance company.
  • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

Multiple Line Discount

You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

Good Student Discount

The Good Student Discount applies to all unmarried operators under 25 years of age and at least 16 years of age who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester or quarter show that this student attended full time and meets at least one of the following:

  • Ranked scholastically in the upper 20% of his or her class.
  • Had a grade average of B or higher.
  • Had a grade point average of 3.0 (out of 4.0) or higher.
  • Was included in the Dean's List or Honor Roll.
  • This discount applies to insureds who have graduated from a 3 or 4 year college or university and has a cumulative scholastic record meeting the above requirements.

Proof of eligibility is required when an application for insurance is submitted.

Ontario Canada

Accident Free Discount/Accident Forgiveness

This discount may apply to policies that have been in-force for at least 3 years and there have been no chargeable accidents during that 3 year period.

The discount increases as the number of accident free years increases. It works as follows:

  • Policy that is 3 years accident free obtains 12% Accident Free Discount
  • Policy that is 6 years accident free obtains 17% Accident Free Discount
  • Policy that is 10 years accident free obtains 22% Accident Free Discount qualifies for a "Forgivable Accident"

Forgiven Accidents: if a policy has been accident free for 9 years, the first chargeable loss may be "forgiven" and drivers may maintain their Accident Free Discount at the same level as before the loss.

College Student Discount

The premium on this vehicle reflects a discount for all unmarried operators under 25 years of age, who are resident students at school, college or other educational institution which is over 240 road km (150 road miles) from the residence of the named insured.

Driving Training Discount

The premium on this vehicle reflects that youthful drivers under the age of 25 have received reduced rates by successfully completing an acceptable driver education course.

Good Driving Discount

The base premiums for the third party liability, basic accident benefits, and collision coverage's are reduced by 10% if the following requirements are met:

  • New Business Policies: Each of the drivers in the household has had no convictions and no at-fault accidents during the past three years.
  • Newly Acquired Added Car Policies (All other added car policies must meet the requirements for new business policies in A.1 of this rule.)
  • At least one car in the household is receiving the Good Driving Discount or an Accident-Free Discount.
  • Each of the drivers in the household has had no at-fault accidents during the past three years.
  • There are no added drivers within 60 days before or after the application.

Graduated Licensing Discount

A Graduated Licensing Discount applies when the individual, whose use of the automobile determined the applicable classification code, has either:

  • A G2 (Level 2) licence and has had no chargeable accidents or convictions while driving with a G1 (Level 1) licence or
  • A G (Level 3) licence and has had no chargeable accidents or convictions while driving with a G2 (Level 2) licence.

Multiple Automobiles Discount

You may be eligible for this discount if you meet all of the following criteria:

  • There are two or more private passenger automobiles primarily driven by persons residing at the address.
  • All of the vehicles are insured with the same insurance company.
  • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

Multiple Line Discount

You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

Retiree Discount

The Retiree Discount reduces the basic accident benefits premium for a private passenger automobile when the principal operator is:

  • Retired for the last 26 weeks and received no income from any office or employment, not engaged in any professional occupation, and not operating a business and
  • Age 65 or older or
  • In receipt of a pension under the Canada Pension Plan or Quebec Pension Plan or
  • In receipt of a pension registered under the Income Tax Act, Canada.
  • Good Student Discount

    A person between the ages of 16 and 24, who has progressed beyond a G1 licence, who is a full-time student in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a 3 or 4 year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program must satisfy the scholastic requirement by submitting evidence that the student attained a Standardized Academic Grade of B or its equivalent, for a full time academic curriculum as defined by the Ministry of Education within the past twelve months.

    Grade of "B" or a score in the top 20% when the test results include percentiles:

    • PSAT (Preliminary Scholastic Aptitude Test)
    • SAT (Scholastic Aptitude Test)
    • SAT-I (Scholastic Aptitude Test-l)
    • SAT-II (Scholastic Aptitude Test-ll)
    • AP/SAT-II (Advance Placement/Scholastic Aptitude-ll)
    • ACT (American College Test)
    • GED (General Education Development Test)
    • OSSD Equivalency Testing (Ontario Secondary School Diploma Equivalency Testing)
    • OAC Equivalency Testing (Ontario Academic Course Equivalency Testing)

    Colorado

    Driver's Education Course Discount

    You may be eligible for this discount if all of the following apply:

    • The principal operator is at least 55 years of age.
    • Has successfully and voluntarily completed a driver's education course taught by a non-profit organization and pre-approved by the Department of Motor Vehicles or taught by a licensed commercial driving school.

    Driver Training Discount

    You can receive this discount if all household drivers under the age of 21 have successfully completed an acceptable driver education course.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and new model year vehicles with factory installed safety devices such as anti-lock brakes, effective head restraints, side air bags, daytime running lights, etc., may receive a discount on the premium for Medical Payments Coverage.

    Connecticut

    Defensive Driving Course Discount

    You may be eligible for this discount if all of the following apply:

    • The principal operator of the vehicle is at least 60 years of age.
    • The principal operator has voluntarily taken and completed a Motor Vehicle Accident Prevention Course which has been approved by the Department of Public Safety.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and new model year vehicles with factory installed safety devices such as anti-lock brakes, effective head restraints, side air bags, daytime running lights, etc., may receive a discount on the premium for Medical Payments Coverage. You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years. The private passenger vehicle receiving the discount may also need to be insured with the same insurance company.

    Delaware

    Defensive Driving Course Discount

    A premium discount applies on Bodily Injury and Property Damage Liability, Personal Injury Protection, and Additional Personal Injury Protection Coverages when:

    1. The principal operator or two or more occasional operators of the vehicle voluntarily and successfully complete a state approved Motor Vehicle Accident Prevention Course, and
    2. The vehicle to which the discount applies is classified and rated as a private passenger vehicle or a motorcycle.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years. The private passenger vehicle receiving the discount may also need to be insured with the same insurance company.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Traffic Mitigation Discount

    This discount applies if the insured participates in the Travelink Traffic Mitigation Act program. The insured must provide proof of participation annually.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

    Florida

    Anti-Lock Brake Discount

    This discount may apply if your vehicle is equipped with a factory installed anti-lock braking system.

    Anti-Theft Device Discount

    This discount applies if the insured vehicle is equipped with a qualifying anti-theft device or vehicle recovery system.

    Defensive Driving Course Discount

    You may be eligible for this discount if all of the following apply:

    1. The principal operator of the vehicle is at least 55 years of age.
    2. The principal operator has voluntarily taken and completed a Motor Vehicle Accident Prevention Course approved by the Department of Highway Safety and Motor Vehicles.

    Good Driver Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

    Georgia

    Accident-Free Discount

    Policyholders without chargeable accidents may receive low accident-free rates. If your policy stays in force for at least three years with no chargeable accidents, you may qualify for an Accident-Free Discount. Once you qualify, this discount applies as long as the policy remains in force and there are no chargeable accidents. This discount may increase over time if the policy remains in force and there continues to be no chargeable accidents.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years. The private passenger vehicle receiving the discount may also need to be insured with the same insurance company.

    All driving history will be verified at the time an application is submitted for insurance.

    Defensive Driving Course Discount/Good Driver Discount

    You may be eligible for this discount if all of the following apply:

    1. The principal operator has completed, within the past three years, a defensive driving course approved by the Department of Public Safety. Approved courses include but are not limited to those offered by the Georgia Public Safety Training Center, the American Association of Retired People, the American Automobile Association or the National Safety Council; and,
    2. The principal operator has committed no traffic offenses within the past three years or since the date of licensure, whichever is shorter; and,
    3. The principal operator has not had a chargeable accident within the past three years.

    Exception: An operator age 21 to 24 or a married female operator under age 21 may complete an acceptable driver education course in lieu of the courses in item 1, above. The minimum course requirements of an acceptable driver education course are that the course:

    1. Be conducted by an instructor who is licensed or certified to conduct such a course; and
    2. Include at least 30 hours of classroom instruction in basic traffic and safety rules, plus at least 6 hours of driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

    Driver Training Discount

    You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

    1. Was conducted by an instructor who is licensed or certified to conduct such a course; and,
    2. Included classroom instruction in basic traffic and safety rules, plus driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

    Hawaii

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior model year vehicles with a factory installed air bag or other passive restraint system may receive a discount on the premium for Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

    Idaho

    Defensive Driving Course Discount

    You may be eligible for this discount if all of the following apply:

    • The principal operator of the vehicle is at least 55 years of age.
    • The principal operator has voluntarily taken and completed a Motor Vehicle Accident Prevention Course which has been approved by the Department of Public Safety.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Basic and Additional Personal Injury Protection and Optional Basic Economic Loss.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

    Illinois

    Anti-Theft Device Discount

    You may be eligible for this discount if your vehicle is equipped with an anti-theft mechanism. An anti-theft mechanism is any permanently installed passive or active anti-theft system or device, either as original equipment from the manufacturer or as after market equipment on the vehicle, designed to inhibit the theft of the vehicle or its components.

    Defensive Driving Course Discount

    You may be eligible for this discount if all of the following apply:

    • The principal operator of the vehicle is at least 55 years of age.
    • The principal operator has successfully completed a Motor Vehicle Accident Prevention course approved by the Secretary of State.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

    Indiana

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards will receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

    Iowa

    Accident-Free Discount

    Policyholders without chargeable accidents may receive low accident-free rates. If your policy stays in force for at least three years with no chargeable accidents, you may qualify for an Accident-Free Discount. Once you qualify, this discount applies as long as the policy remains in force and there are no chargeable accidents. This discount may increase over time if the policy remains in force and there continues to be no chargeable accidents.

    Good Driver Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

    Kansas

    Defensive Driving Course Discount

    You may be eligible for this discount if the principal operator of the vehicle has voluntarily and successfully completed an approved Motor Vehicle Accident Prevention course within the last two years. This course must be approved by the National Safety Council or a governmental agency such as the State Board of Education.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

    Kentucky

    Accident-Free Discount

    Policyholders without chargeable accidents may receive low accident-free rates. If your policy stays in force for at least three years with no chargeable accidents, you may qualify for an Accident-Free Discount. Once you qualify, this discount applies as long as the policy remains in force and there are no chargeable accidents. This discount may increase over time if the policy remains in force and there continues to be no chargeable accidents.

    Anti-Theft Device Discount

    You may be eligible for this discount applies if the insured vehicle is equipped with a qualifying passive anti-theft device.

    Defensive Driving Course Discount

    You may be eligible for this discount if all of the following apply:

    • The principal operator of the vehicle is at least 55 years of age, and
    • Has voluntarily and successfully completed an approved Motor Vehicle Accident Prevention course which meets the standards set by the Transportation Cabinet.

    Driver Training Discount

    You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

    • Was conducted by an instructor who is licensed or certified to conduct such a course; and,
    • Included at least 30 hours of classroom instruction in basic traffic and safety rules, plus at least 6 hours of driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

    Good Driver Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Multiple Vehicles with Uninsured & Underinsured Discount

    Policy holders in the same household who insure more than one private passenger car that has Uninsured or Underinsured Motor Vehicle Coverage may be eligible for a premium adjustment.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage.

    Senior Discount

    Basic PIP premium may be reduced if the principal operator is age 65 or over.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

    Lousiana

    Anti-Theft Device Discount

    This discount may apply if the insured vehicle is equipped with a qualifying passive anti-theft device.

    Defensive Driving Course Discount

    You may be eligible for this discount if all of the following apply:

    1. The principal operator of the vehicle is at least 55 years of age.
    2. The principal operator has voluntarily and successfully completed a defensive or safe driving course approved by the Louisiana Department of Public Safety and Corrections.

    Driver Training Discount

    You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

    • Was conducted by an instructor who is licensed or certified to conduct such a course; and,
    • Included at least 30 hours of classroom instruction in basic traffic and safety rules, plus at least 6 hours of driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Military Personnel Discount

    You may be eligible for this discount on a vehicle you own if one of the following applies:

    • You are on active duty in the military and based in Louisiana.
    • You are on active duty in the military, deployed out of state or overseas, and your spouse and/or dependants are living in Louisiana.
    • You are a spouse of an individual who meets the above criteria.
    • You are a dependant in the same household of an individual who meets the above criteria and are under the age of 18 or are an unmarried full-time student under the age of 24.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and new model year vehicles with factory installed safety devices such as anti-lock brakes, effective head restraints, side air bags, daytime running lights, etc., may receive a discount on the premium for Medical Payments Coverage.

    Maine

    Accident Prevention Course Discount

    You may be eligible for this discount if all of the following apply:

    1. A Motor Vehicle Accident Prevention Course, approved by the Maine Department of Public Safety, Bureau of Highway Safety, has been completed in the past three years.
    2. The principal operator is at least 55 years of age.

    This discount may not be applicable if you had a chargeable accident during the three year period after completion of the course. The discount may not apply if the insured is required by a court or other government entity to complete the approved motor vehicle accident prevention course because the insured has committed a moving traffic violation.

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and new model year vehicles with factory installed safety devices such as anti-lock brakes, effective head restraints, side air bags, daytime running lights, etc., may receive a discount on the premium for Medical Payments Coverage.

    Maryland

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Passive Restraint Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

    Vehicle Safety Discount

    Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Massachusetts

    Discounts Unavailable

    Sorry, we don't have a list of discounts in Massachusetts.

    Michigan

    Accident-Free Discount

    Policyholders without chargeable accidents may receive low accident-free rates. If your policy stays in force for at least three years with no chargeable accidents, you may qualify for an Accident-Free Discount. Once you qualify, this discount applies as long as the policy remains in force and there are no chargeable accidents. This discount may increase over time if the policy remains in force and there continues to be no chargeable accidents.

    Anti-Theft Device Discount

    This discount may apply if the insured vehicle is equipped with an approved anti-theft device.

    Automobile Safety Belt Discount

    You may be eligible to receive this discount if you wear a seat belt.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Low Income Premium Discount

    Insureds with an expected income that averages less than $500 monthly may qualify for a premium adjustment for Personal Injury Protection Coverage premium.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    No Dependents Premium Discount

    You may qualify for a reduced premium on the mandatory coverages premiums if you have no dependents who are insured under your policy and when no individuals are involved who have income upon which others depend.

    Passive Restraint Discount

    Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Basic and Additional Personal Injury Protection and Optional Basic Economic Loss.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

    Wage Loss Waiver Premium Discount

    If you or a member of your household is 60 years of age or older and would not be eligible to receive work loss benefits due to an accident because there is no actual loss of income from work, you may receive a reduction in the Personal Injury Protection Coverage premium.

    Minnesota

    Anti-Theft Device Discount

    You may be eligible for this discount if the insured vehicle is equipped with a qualifying passive anti-theft device.

    Defensive Driving Course Discount

    You may be eligible for this discount if all of the following apply:

    • The principal operator of the vehicle is at least 55 years of age, and
    • Has voluntarily and successfully completed an approved Motor Vehicle Accident Prevention course which meets the standards set by the Transportation Cabinet.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

    Mississippi

    Defensive Driving Course Discount

    The base premiums for bodily injury and property damage liability, medical payments, and collision coverages applicable to a private passenger automobile may be reduced provided the principal operator:

    • Is at least 55 years of age, and;
    • Has voluntarily taken and completed a Motor Vehicle Accident Prevention Course within the past three years.

    Such course must be sponsored by the National Safety Council, the American Automobile Association, or the American Association of Retired Persons or shall be an equivalent program approved by the Department of Public Safety and certification presented to the Company.

    Driver Training Discount

    You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

    1. Was conducted by an instructor who is licensed or certified to conduct such a course; and,
    2. Included at least 30 hours of classroom instruction in basic traffic and safety rules, plus at least 6 hours of driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

    Good Student Discount

    All male and unmarried female drivers under 25 and at least 16 years of age, who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

    Missouri

    Accident-Free Discount

    Policyholders without chargeable accidents may receive low accident-free rates. If your policy stays in force for at least three years with no chargeable accidents, you may qualify for an Accident-Free Discount. Once you qualify, this discount applies as long as the policy remains in force and there are no chargeable accidents. This discount may increase over time if the policy remains in force and there continues to be no chargeable accidents.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

    Montana

    Defensive Driving Course Discount

    You may be eligible for this discount if all of the following apply:

    • The principal operator is at least 55 years of age or are a member of the Montana National Guard, and
    • The principal operator has voluntarily taken and completed a Highway Traffic Safety Program which has been approved by the state of Montana.

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

    Montana

    Defensive Driving Course Discount

    You may be eligible for this discount if all of the following apply:

    • The principal operator is at least 55 years of age or are a member of the Montana National Guard, and
    • The principal operator has voluntarily taken and completed a Highway Traffic Safety Program which has been approved by the state of Montana.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

    Nebraska

    Driver Training Discount

    You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

    1. Was conducted by an instructor who is licensed or certified to conduct such a course; and,
    2. Included at least 30 hours of classroom instruction in basic traffic and safety rules, plus at least 6 hours of driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

    Nevada

    Defensive Driving Course Discount

    You may be eligible for this discount if all of the following apply:

    • The principal operator is at least 55 years of age, and
    • The principal operator has voluntarily taken a course of traffic safety approved by the Department of Motor Vehicles and Public Safety.

    Driver Training Discount

    You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

    1. Was conducted by an instructor who is licensed or certified to conduct such a course; and,
    2. Included classroom instruction in basic traffic and safety rules, plus driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Coverage Factor for Medical Payments Coverage

    The multiple coverage factor is applicable to the Medical Payments Coverage premium. The multiple coverage factor applies when that coverage is written by State Farm Mutual Automobile Insurance Company or State Farm Fire and Casualty Company on more than one vehicle in the named insured's household. Household means the named insured, the spouse of the named insured, and relatives of either who live at the same address. The factor also applies if the vehicles are jointly owned by two unrelated residents and both are designated as named.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Multiple Coverage Factor for Uninsured Coverage

    The Multiple Coverage Factor is applicable to the Uninsured Coverage premium. The Multiple Coverage Factor may apply when that coverage is written by the same insurer on more than one vehicle in the named insured's household. Household means the named insured, the spouse of the named insured, and relatives of either who live at the same address. The factor also applies if the vehicles are jointly owned by two unrelated residents and both are designated as named insureds on the policies insuring the cars they jointly own.

    Passive Restraint Discount

    Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and new model year vehicles with factory installed safety devices such as anti-lock brakes, effective head restraints, side air bags, daytime running lights, etc., may receive a discount on the premium for Medical Payments Coverage.

    New Hampshire

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior model year vehicles with a factory installed air bag or other passive restraint system may receive a discount on the premium for Medical Payments Coverage.

    Safe Driver Discount

    If all drivers of the vehicle have driven at least one year without having any points on their driving record, an insurer may give a discount on each coverage. The discount percent depends on the number of years all drivers have been point-free.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

    New Jersey

    Age 65 or Over Discount

    You may be eligible for this discount if the principle operator of the vehicle is at least 65 years of age or older.

    Anti-Theft Device Discount

    You may be eligible for this discount if your vehicle is equipped with an anti-theft mechanism. An anti-theft mechanism is any permanently installed passive or active anti-theft system or device, either as original equipment from the manufacturer or as after market equipment on the vehicle, designed to inhibit the theft of the vehicle or its components.

    Defensive Driving Course Discount

    You may be eligible for this discount if the principal operator has voluntarily and successfully completed an approved motor vehicle defensive driving course within the past three years.

    An approved defensive driving course must meet the standards set by the Director of the Division of Motor Vehicles.

    Driver Training Discount

    You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age, and resides in the household or usually operates the vehicle, has completed a driver training course in high school or other secondary educational institution that:

    1. Was conducted by an instructor who is licensed or certified to conduct such a course; and,
    2. Included at least 10 hours of classroom instruction and 3 hours of driving under actual road and traffic conditions under the personal supervision of a certified instructor.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school enrolled in 11th or 12th grade or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1997 and prior model year private passenger vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premiums for Bodily Injury, Property Damage Liability and Basic Personal Injury Protection.

    Personal Injury Protection Additional Cars Discount

    You may be eligible for this discount if the named insured is:

    • The owner,
    • The only designated operator of two or more private passenger cars insured by the same company, and
    • The only licensed driver residing in the household.

    The otherwise applicable Personal Injury Protection rate may apply to the most frequently operated car and the Personal Injury Protection Additional Cars Discount may apply to each additional car in the household.

    Vehicle Safety Discount

    1998 and newer model year private passenger vehicles may receive a discount on the premium for Bodily Injury, Property Damage Liability and Basic Personal Injury Protection based on the loss experience of that particular vehicle series.

    New Mexico

    Anti-Theft Device Discount

    This discount may apply if the insured vehicle is equipped with a qualifying passive anti-theft device.

    Defensive Driving Course Discount

    You may be eligible for this discount if all of the following apply:

    • The principal operator of the vehicle is at least 55 years of age and,
    • The principal operator has voluntarily taken and completed a Motor Vehicle Accident Prevention Course which has been approved by the Motor Vehicle Division of the Transportation Department.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and new model year vehicles with factory installed safety devices such as anti-lock brakes, effective head restraints, side air bags, daytime running lights, etc., may receive a discount on the premium for Medical Payments Coverage.

    New York

    Accident Prevention Course Discount

    You may be eligible for this discount if the following requirements are met:

    • The principal operator of the vehicle has successfully completed a Defensive Driving Course, approved by the New York State Department of Motor Vehicles.
    • The course was voluntarily taken and successfully completed within the past three years.

    Anti-Lock Brake Discount

    You may qualify or this discount if your vehicle has a factory-installed anti-lock braking system, you can receive a 5% discount on the premiums for Liability, Basic and Additional Personal Injury Protection, Optional Basic Economic Loss, Medical Payments, and Collision Coverages.

    Anti-Theft Device Discount

    You may qualify for this discount on Comprehensive Coverage if you have certain anti-theft devices on your vehicle. The discount varies depending on the types of devices installed.

    Daytime Running Lights Discount

    You can receive a 3% discount if your vehicle has daytime running lights. The discount applies to the premiums for Liability, Basic and Additional Personal Injury Protection, Optional Basic Economic Loss, Medical Payments, and Collision Coverages.

    Driver Training Discount

    You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has successfully completed an acceptable driver education course that:

    • Provided at least 24 clock hours of classroom instruction; and
    • Included:
    • Six hours of actual driving under the personal supervision of a certified instructor, or A minimum of three hours actual driving coupled with at least twelve hours of training in an approved practice driving device.

    Good Driving Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Good Student Discount

    All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

    • Ranked scholastically in the upper 20% of his or her class.
    • Had a grade average of B or higher.
    • Had a grade point average of 3.0 (out of 4.0) or higher.
    • Was included in the Dean's List or Honor Roll.

    Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

    Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

    • PSAT
    • PLAN
    • SAT-1
    • ACT
    • TAP
    • California Achievement Test

    Proof of eligibility is required when an application for insurance is submitted.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Basic and Additional Personal Injury Protection and Optional Basic Economic Loss.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

    North Carolina

    Airbag Discount

    Vehicles equipped with a factory-installed air bag may receive a discount on the premium for Medical Payments Coverage.

    Good Driver Discount

    You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

    All driving history will be verified at the time an application is submitted for insurance.

    Multiple Automobiles Discount

    You may be eligible for this discount if you meet all of the following criteria:

    • There are two or more private passenger automobiles primarily driven by persons residing at the address.
    • All of the vehicles are insured with the same insurance company.
    • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

    Multiple Line Discount

    You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

    Passive Restraint Discount

    1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

    Vehicle Safety Discount

    1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

    North Dakota

    Defensive Driving Course Discount

    You may be eligible for this discount if all of the following apply:

    1. The principal operator has voluntarily taken and completed a Motor Vehicle Accident Prevention Course as determined by the Superintendent of the State Highway Patrol and,
    2. The course was successfully completed within three years prior to the inception or renewal of the current policy term to which this rule applies.

      Good Driving Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Good Student Discount

      All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

      Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAP
      • California Achievement Test

      Proof of eligibility is required when an application for insurance is submitted.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Vehicle Safety Discount

      1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

      Ohio

      Defensive Driving Course Discount

      You may be eligible for this discount if all of the following apply:

      • The principal operator of the vehicle is at least 60 years of age.
      • The principal operator has voluntarily completed an approved Motor Vehicle Accident Prevention Course which has been approved by the State Highway Patrol.

      The discount applies for three years, at the end of which time an approved course must be successfully repeated for the discount to continue.

      Good Driver Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Good Student Discount

      All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

      Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAP
      • California Achievement Test

      Proof of eligibility is required when an application for insurance is submitted.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Passive Restraint Discount

      1993 and prior model year vehicles with a factory installed air bag or other passive restraint system may receive a discount on the premium for Medical Payments Coverage.

      Vehicle Safety Discount

      1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

      Oklahoma

      Defensive Driving Course Discount

      The base premiums for bodily injury and property damage liability, medical payments, and collision coverages applicable to a private passenger automobile or motorcycle may be reduced provided the principal operator has voluntarily taken and completed an automobile or motorcycle course, as appropriate, within the last three years.

      The course must have been approved by or substantially meets the criteria established by the Department of Public Safety.

      Driver Training Discount

      You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

      1. Was conducted by an instructor who is licensed or certified to conduct such a course; and,
      2. Included classroom instruction in basic traffic and safety rules, plus driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

      Good Driver Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Good Student Discount

      All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

      Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAP
      • California Achievement Test

      Proof of eligibility is required when an application for insurance is submitted.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Passive Restraint Discount

      1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

      Vehicle Safety Discount

      1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

      Oregon

      Defensive Driving Course Discount

      You may be eligible for this discount if all of the following apply:

      1. The principal operator is at least 55 years of age, and
      2. The principal operator has voluntarily taken a course of traffic safety approved by the Department of Motor Vehicles and Public Safety.

      Driver Training Discount

      You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

      1. Was conducted by an instructor who is licensed or certified to conduct such a course; and,
      2. Included classroom instruction in basic traffic and safety rules, plus driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

      Good Driver Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Good Student Discount

      All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

      Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAP
      • California Achievement Test

      Proof of eligibility is required when an application for insurance is submitted.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Passive Restraint Discount

      1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage.

      Vehicle Safety Discount

      1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

      Pennsylvania

      Anti-Theft Device Discount

      A discount on your Comprehensive Coverage may be applicable if your vehicle is equipped with an anti-theft device which makes the fuel, ignition, or starting systems inoperative. To qualify, the device must activate automatically when you turn the key to the off position. The discount does not apply to an ignition interlock provided as a standard anti-theft device by the original automobile manufacturer.

      Driver Improvement Course Discount

      You may be eligible for a discount on your premium if all of your policy's named insureds are at least 55 years old and have voluntarily completed, within the past three years, a motor vehicle driver improvement course approved by the Department of Transportation. This discount can apply for up to three years, at the end of which time an approved course must be successfully repeated.

      The vehicle to which the discount applies must be classified and rated as a private passenger vehicle or commercial light farm truck. The discount does not apply if one of your policy's named insureds was:

      • Involved in a chargeable accident,
      • Convicted of a moving violation, or
      • Convicted or accepted Accelerated Rehabilitative Disposition for driving under the influence of alcohol or any controlled substance.

      Driver Training Discount

      You may be eligible for a discount if evidence is presented that each owner or operator who is under 21 years of age, and who is a resident in the same household as the applicant, or who customarily operates the automobile, has successfully completed an acceptable driver education course. The minimum requirements of an acceptable driver education course are that it:

      • Be conducted by an instructor who is licensed or certified to conduct such a course, and
      • Provide not less than thirty clock hours of classroom instruction, and
      • Provide a minimum of six hours of actual driving under the personal supervision of a certified instructor or a minimum of three hours coupled with at least twelve hours of training in an approved practice driving device.

      Good Student Discount

      All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

      Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAP
      • California Achievement Test

      Proof of eligibility is required when an application for insurance is submitted.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Good Driving Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Passive Restraint Discount

      Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

      Vehicle Safety Discount

      1994 and new model year vehicles with factory installed safety devices such as anti-lock brakes, effective head restraints, side air bags, daytime running lights, etc., may receive a discount on the premium for Medical Payments Coverage.

      Rhode Island

      Discounts Unavailable

      Sorry, we don't have a list of discounts in Rhode Island.

      South Carolina

      Adult Driver Training Discount

      You may be eligible for this discount if:

      • The principal operator is 21 years of age and
      • The principal operator has voluntarily taken and successfully completed a course, approved by the Department of Public Safety, within the past three years.

      Driver Training Discount

      You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

      1. Was conducted by an instructor who is licensed or certified to conduct such a course; and,
      2. Included classroom instruction in basic traffic and safety rules, plus driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

      Good Driving Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Good Student Discount

      All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

      Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAP
      • California Achievement Test

      Proof of eligibility is required when an application for insurance is submitted.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Passive Restraint Discount

      1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

      Vehicle Safety Discount

      1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

      South Dakota

      Driver Training Discount

      You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

      1. Was conducted by an instructor who is licensed or certified to conduct such a course; and,
      2. Included classroom instruction in basic traffic and safety rules, plus driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

      Good Driving Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Good Student Discount

      All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

      Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAP
      • California Achievement Test

      Proof of eligibility is required when an application for insurance is submitted.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Passive Restraint Discount

      1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Medical Payments Coverage.

      Vehicle Safety Discount

      1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

      Tennessee

      Defensive Driving Course Discount

      You may be eligible for this discount if all of the following apply:

      • Is at least 55 years of age, and;
      • Has successfully completed a Motor Vehicle Accident Prevention course approved by the Commissioner of Safety. A certificate must be presented to State Farm certifying the course was successfully completed within three years prior to the inception or renewal of the current policy term.

      This discount shall not apply to any automobile for which the principal operator receives certification for a course required by a court.

      Driver Training Discount

      Evidence must be presented that each owner or operator, other than a married female, who is under 21 years of age, and who is a resident in the same household as the applicant, or who customarily operates the automobile, has successfully completed an acceptable driver education course. The minimum requirements of an acceptable driver education course are that it:

      • Be conducted by an instructor who is licensed or certified to conduct such a course.
      • Included classroom instruction in basic traffic and safety rules, plus driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

      Good Driver Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Good Student Discount

      All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered. Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAP
      • California Achievement Test

      Proof of eligibility is required when an application for insurance is submitted.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and are related by marriage, blood, or adoption, or
      • for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Passive Restraint Discount

      1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards will receive a discount on the premium for Medical Payments Coverage.

      Vehicle Safety Discount

      1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

      Texas

      Academic Achievement / Good Student Discount

      A male operator of the auto under 25 years of age or an unmarried female operator under 21 years of age who is a full-time student in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.

      Students enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence they ranked in the upper 20% on one of the following national standardized tests, administered in the past 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAPS (Tests of Achievement and Proficiency)
      • California Achievement Test

      Anti-Theft Device Discount

      This discount may apply if the insured vehicle is equipped with a qualifying anti-theft device.

      Defensive Driver Discount

      This discount may apply when an auto, other than motorcycle, afforded personal auto coverage shall have a credit applied to the rate otherwise applicable; provided satisfactory evidence is presented to your insurance company that the principal operator of such auto has successfully completed a driving safety course.

      Driver Training Discount

      This discount may apply when an auto afforded personal auto coverage rated at the class 2A-1, 2A-2, 2AF-1, 2AF-2, 2C-1, 2C-2, 2D, 2CF-1, 2CF-2 or 2DF rate shall have a driver training credit applied where satisfactory evidence is presented that the applicant, if a male operator of the auto under 25 years of age or an unmarried female operator under 21 years of age, and every male operator of the auto under 25 years of age and every unmarried female operator of the auto under 21 years of age resident of the same household as the applicant or who customarily operates the auto has successfully completed a driver education course.

      Drug and Alcohol Driving Awareness Training Discount

      An afforded personal auto coverage shall have a credit applied to the rate otherwise applicable; provided satisfactory evidence (certificate, or photocopy thereof) is presented to your insurance company that the principal operator of such auto has successfully completed a drug and alcohol driving awareness program that has been approved by the Texas Education Agency under the Texas Driver and Traffic Safety Education Act.

      Good Driver Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Passive Restraint Discount

      When a policy affords medical payments or personal injury protection coverage for a private passenger auto equipped with factory installed passive restraint system which meets the published Federal Safety Standards. Passive Restraint System is essentially defined as a system that (1) is continually operative the moment an individual enters the auto and the auto begins movement, (2) restrains the occupants from movement in the event of a collision, and (3) automatically deploys without any manual operation being performed by the occupants of the auto.

      Student Away at School Discount

      This discount may apply to vehicles rated for a youthful driver who is living and attending school away from home and doesn't own a car or have a car at school.

      Vehicle Safety Discount

      1999 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage and personal injury protection coverage based on the loss experience of that particular vehicle series.

      Utah

      Defensive Driving Course Discount

      You may be eligible for this discount if all of the following apply:

      • The principal operator is at least 55 years of age, and
      • Has successfully and voluntarily completed a Motor Vehicle Accident Prevention course as defined by Utah Code.

      Good Driving Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Good Student Discount

      All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

      Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAP
      • California Achievement Test

      Proof of eligibility is required when an application for insurance is submitted.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Passive Restraint Discount

      Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards may receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

      Vehicle Safety Discount

      1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

      Vermont

      Accident-Free Discount

      Policyholders without chargeable accidents may receive low accident-free rates. If your policy stays in force for at least three years with no chargeable accidents, you may qualify for an Accident-Free Discount. Once you qualify, this discount applies as long as the policy remains in force and there are no chargeable accidents. This discount may increase over time if the policy remains in force and there continues to be no chargeable accidents.

      Good Driving Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Good Student Discount

      All drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Passive Restraint Discount

      Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards will receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

      Vehicle Safety Discount

      1994 and new model year vehicles with factory installed safety devices such as anti-lock brakes, effective head restraints, side air bags, daytime running lights, etc., will receive a discount on the premium for Medical Payments Coverage.

      Virginia

      Defensive Driving Course Discount

      You may be eligible for this discount if all of the following apply:

      1. The principal operator is at least 55 years of age, and
      2. The principal operator has voluntarily taken and completed a Motor Vehicle Accident Prevention Course which has been approved by the Department of Motor Vehicles.

      Good Student Discount

      All drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Good Driving Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Passive Restraint Discount

      1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards will receive a discount on the premium for Medical Expense Benefits and Income Loss Benefits.

      Vehicle Safety Discount

      1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Expense Benefits and Income Loss Benefits based on the loss experience of that particular vehicle series.

      Washington

      Defensive Driving Course Discount

      You can receive this discount if the principal operator of the vehicle is at least age 55 and has voluntarily and successfully completed a Motor Vehicle Accident Prevention course approved by the Department of Licensing within the last two years.

      Good Driving Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Good Student Discount

      All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

      Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAP
      • California Achievement Test

      Proof of eligibility is required when an application for insurance is submitted.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Passive Restraint Discount

      1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards will receive a discount on the premium for Personal Injury Protection Coverage.

      Vehicle Safety Discount

      1994 and newer model year private passenger vehicles may receive a discount on the premium for Personal Injury Protection based on the loss experience of that particular vehicle series.

      West Virginia

      Defensive Driving Course Discount

      You may be eligible for this discount because:

      • The principal operator is at least 55 years of age, and
      • The principal operator has voluntarily taken and completed a Motor Vehicle Accident Prevention Course approved by the Department of Motor Vehicles.

      Driver Training Discount

      You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver's education course that:

      1. Was conducted by an instructor who is licensed or certified to conduct the course.
      2. Included classroom instruction in basic traffic and safety rules, plus driving experience under actual road and traffic conditions or in a mechanical device that simulated such conditions.

      Good Student Discount

      All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

      Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAP
      • California Achievement Test

      Proof of eligibility is required when an application for insurance is submitted.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Vehicles with Underinsured

      An underinsured motor vehicle coverage multicar discount may apply to the rates for this coverage when more than one vehicle in the named insured's household is covered.

      Multiple Vehicles with Uninsured

      An uninsured motor vehicle coverage multicar discount may apply to the rates for this coverage when more than one vehicle in the named insured's household is covered.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Good Driving Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Passive Restraint Discount

      1993 and prior model year vehicles with a factory installed air bag or other passive restraint systems that meet federal safety standards, will receive a discount on the premium for Medical Payments Coverage.

      Vehicle Safety Discount

      1994 and new model year vehicles with factory installed safety devices such as anti-lock brakes, effective head restraints, side air bags, daytime running lights, etc., will receive a discount on the premium for Medical Payments Coverage.

      Wisconsin

      Good Driving Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Good Student Discount

      All male and unmarried female drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Persons under age 25 who have graduated from a four-year college or university and have a cumulative scholastic record meeting the above requirements may also be considered.

      Students who are enrolled in a home study program may qualify if they satisfy the scholastic requirement by submitting evidence that they ranked in the upper 20% on one of the following national standardized tests, administered within the last 12 months:

      • PSAT
      • PLAN
      • SAT-1
      • ACT
      • TAP
      • California Achievement Test

      Proof of eligibility is required when an application for insurance is submitted.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Passive Restraint Discount

      1993 and prior vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards will receive a discount on the premium for Medical Payments Coverage.

      Vehicle Safety Discount

      1994 and newer model year private passenger vehicles may receive a discount on the premium for Medical Payments Coverage based on the loss experience of that particular vehicle series.

      Wyoming

      Defensive Driving Course Discount

      A discount applies if an operator age 55 or older has successfully completed a Motor Vehicle Accident Prevention course approved by the Motor Vehicle Division. The course must have been completed within two years of the policy inception or renewal date to qualify.

      Driver Training Discount

      You may be eligible for this discount if each owner or operator, other than a married female, who is under 21 years of age and resides in the household or usually operates the vehicle, has completed a driver education course that:

      1. Was conducted by an instructor who is licensed or certified to conduct such a course; and,
      2. Included at least 30 hours of classroom instruction in basic traffic and safety rules, plus at least 6 hours of driving experience under actual road and traffic conditions or in a mechanical device simulating such conditions.

      Good Driving Discount

      You may be eligible to receive this discount if each of the drivers in the household has had no moving violations and no at-fault accidents during the past three years.

      All driving history will be verified at the time an application is submitted for insurance.

      Good Student Discount

      All drivers under 25 who are full-time students in high school or at a college or university, and the scholastic records for the immediately preceding school semester show that this student meets at least one of the following:

      • Ranked scholastically in the upper 20% of his or her class.
      • Had a grade average of B or higher.
      • Had a grade point average of 3.0 (out of 4.0) or higher.
      • Was included in the Dean's List or Honor Roll.

      Multiple Automobiles Discount

      You may be eligible for this discount if you meet all of the following criteria:

      • There are two or more private passenger automobiles primarily driven by persons residing at the address.
      • All of the vehicles are insured with the same insurance company.
      • The owners of the vehicles reside in the same household and A) are related by marriage, blood or adoption, or B) for two unrelated owners, they must jointly own the vehicles and both be designated as named insureds on the policies.

      Multiple Line Discount

      You may be eligible for this discount if you have multiple insurance policies with the same company. For example, you might have auto plus fire, health, homeowner's, or life insurance.

      Passive Restraint Discount

      Vehicles equipped with a factory-installed air bag or other passive restraint system which meets federal safety standards will receive a discount on the premium for Personal Injury Protection Coverage and Supplemental Medical Payments Coverage.

      Vehicle Safety Discount

      1994 and new model year vehicles with factory installed safety devices such as anti-lock brakes, effective head restraints, side air bags, daytime running lights, etc., will receive a discount on the premium for Medical Payments Coverage.

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