Auto Insurance Discounts

If your car (or a car it replaced) has been with State Farm for at least three years without a chargeable accident during this period, you will receive a discount on the premiums for Bodily Injury and Property Damage Liability including Personal Injury Protection, and Collision Coverages. This discount may increase over time if the policy remains in force and there continue to be no chargeable accidents.

An accident is chargeable if the driver was more than 50% at fault and State Farm paid $750 or more under the Property Damage Liability Coverage and Collision Coverage combined. For a multiple vehicle accident, a Property Damage Liability Coverage payment must have been made for a claim to be considered chargeable.

You may be eligible for a discount for taking a defensive driving course if you meet all of the following criteria:

1. Are a driver of the vehicle.
2. Have voluntarily taken and completed within the last three years a Motor Vehicle Accident Prevention Course that has been approved by the Delaware Insurance Department.

A certificate must be presented to State Farm showing the course was successfully completed.

Get a discount up to 5% just for enrolling. This discount is available to customers who agree to share certain driving information and have an eligible vehicle. The discount will be based on the actual usage of your vehicle. The less your vehicle is driven, and in some cases, the safer your vehicle is driven, the more you can save. You could receive a discount up to 50% at future renewals! More Information

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 receiving the discount must also be insured with State Farm Mutual Auto Insurance Company.

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

Drivers under the age of 25 may be eligible for our Good Student Discount.

To be eligible, the driver must be a full time student in high school or at a college or university who maintained one of the following in the immediately preceding school semester:

• 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.
• Made the Dean’s List or Honor Roll.

Drivers who have earned an Associate’s Degree and have a cumulative scholastic record meeting the above requirements may also be considered.

Drivers who have graduated from a four-year college or university may also be considered.

Home study students may be eligible if they submit evidence they have taken certain national standardized tests, administered within the last 12 months and ranked in the upper 20%.

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

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.
• The vehicles are insured with State Farm Mutual Automobile Insurance Company or State Farm Fire and Casualty 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.

You may be eligible for this discount if you are the named insured on a qualifying State Farm Fire, Life, or Health policy.

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.

In order to initially qualify for this discount, the following requirements must be met:

• All drivers under age 25 who are assigned to the automobile must:
  • have no at-fault accidents or moving violations in the three year period prior to the time the discount is initially applied (NOTE: In some states certain accidents and moving violations may not disqualify you), and
  • have successfully completed the State Farm Steer Clear program. The program includes video content regarding safe driving behaviors and requires the driver to track some of their driving experiences.

Learn more about Steer Clear

This discount applies to a vehicle when each of the assigned drivers under the age of 25:

• is a student who resides at school more than 100 miles from home; and
• drives the automobile only while home during the school vacation or holiday periods; and,
• keeps the automobile at home while away at school.

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

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.