Customers can get the State Farm defensive driving discount by completing a driver safety course that’s been approved by State Farm. Qualified drivers can save up to 15% on their State Farm car insurance bill by completing an approved defensive driving course, depending on their state, age, and other factors.
Some defensive driving courses are taught online, while others are taught in a classroom. All the defensive driving courses that can result in a discount on your State Farm bill will teach you how to improve your skills behind the wheel and to be a safer, less aggressive driver.
How To Get a State Farm Defensive Driving Course Discount
Request a list of qualified defensive driving courses and their requirements from a State Farm agent.
Register and pay for a course approved by State Farm. Defensive driving courses typically cost between $15 and $100.
Pass the defensive driving course. Courses typically take 4-8 hours to complete.
Present State Farm with your defensive driving course certificate of completion.
Make sure State Farm is applying your discount for completing a defensive driving course by checking your bill or contacting the company directly at 800-STATE-FARM (800-782-8332).
The State Farm defensive driving discount can last for as long as three years in most states. After it expires, customers can take another training course to get the discount again.
No, State Farm does not offer gap insurance. Although State Farm doesn’t have a traditional gap insurance option, it does offer something comparable to gap insurance with its Payoff Protector® benefit, which is included with every vehicle financed by State Farm Bank, or used as collateral on a State Farm loan.… read full answer
How State Farm's Equivalent to Gap Insurance Works
Like gap insurance, State Farm’s Payoff Protector benefit covers the outstanding principal balance on a State Farm auto loan after the car is totaled or stolen and the primary insurance provider pays its share.
Once a customer’s collision or comprehensive insurance provider (it doesn’t have to be State Farm), or another driver’s liability insurance, makes its payment, Payoff Protector will pay the rest owed to State Farm Bank. The loan must be in good standing for the Payoff Protector benefit to apply.
Who Can Get State Farm Gap Insurance
State Farm’s Payoff Protector benefit isn’t an insurance product that can be purchased by customers without a loan contract from State Farm Bank. It also has different rules and restrictions depending on where a customer lives. For more information about State Farm Bank’s Payoff Protector benefit, call the company directly at 877-SF4-BANK (877-734-2265).
You can get a State Farm good student discount if you have at least a B average. Student drivers can save up to 25% as long as they are 16-25 years old and enrolled full-time in high school, college, or homeschooling. Homeschooled students can also qualify if they score in the top 20% of a national test such as the PSAT, SAT, or ACT.… read full answer
State Farm Good Student Discount Requirements
B average (or a 3.0 GPA, top 20% class rank, or honor roll)
Under 25 years old
Full-time high school or college student
Why State Farm Offers a Good Student Discount
Young drivers are usually quite expensive to insure since they lack driving experience. However, State Farm offers a good student discount because having good grades shows the insurer that you are responsible off the road, meaning you’re more likely to be responsible in the driver’s seat as well.
State Farm good student discounts vary by state, but it’s always worth the effort of checking if they are available in your location. Check out WalletHub's guide for more information on State Farm discounts.
You can get the State Farm Steer Clear discount by completing the company’s safe driver discount program in six months, and then continuing to meet your state’s eligibility requirements. State Farm’s Steer Clear discount encourages young people to be safer drivers, and it can save them up to 15% on their premium.… read full answer
However, the discount isn’t available in California, Hawaii, Massachusetts, North Carolina or Rhode Island. There are a few minimum requirements that participants who live in eligible states must meet, too.
State Farm Steer Clear Discount Requirements
Be under 25 years old (in most states)
Have fewer than three years of driving experience
Have a valid driver's license or learner’s permit
Have no at-fault accidents or tickets in the past three years
Take 10 practice driving trips, totaling at least five hours
How To Get The State Farm Steer Clear Discount
Contact State Farm to make sure a driver on your auto insurance policy meets the eligibility requirements.
Download the Steer Clear app for iOS or Android (text STEER to 78836 to receive a link). You don’t need a mobile device to participate, however, as State Farm offers the training modules on its website.
Use the Steer Clear app or State Farm websiteto complete the five training courses, which cover topics like distracted driving and special driving situations. This includes watching videos and taking quizzes about safe driving.
Log your driving hours over the course of at least 10 practice trips, which must include at least five hours of driving time, using the Steer Clear mobile app or the trip log sheet provided by State Farm. If you use the Steer Clear app, it will track your driving habits, such as your speed, turning times, braking, and other maneuvers. It will then give you a score and feedback after each trip.
Sign the Statement of Qualification, which asserts that eligible drivers have completed the initial requirements for the Steer Clear Safe Driver Discount and that they understand they will lose the discount if they are involved in an at-fault accident or get a moving violation.
Finish all the program requirements within six months. If you complete the program using the app, you will receive a certificate of completion through the app, which you should send to State Farm, along with your digital trip log and Statement of Qualification. If you don’t use the app to complete the program, send your trip log and Statement of Qualification to your local State Farm agent.
Confirm the State Farm Steer Clear discount is being applied to your premium by checking your bill or contacting a State Farm representative.
If you continue to meet your state’s eligibility requirements, you’ll continue to get your Steer Clear Safe Driver Discount. The discount is generally available only to drivers younger than 25 years old, but older drivers who have fewer than three years of active driving experience can qualify in some states. For more information, check out WalletHub's guide on State Farm discounts.
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