To get the State Farm low mileage discount, a customer must drive fewer than 7,500 miles per year. Exactly how much State Farm’s low mileage discount can save a customer depends on many factors, like their address, car type, and driving history.
How to Get the State Farm Low Mileage Discount
Drive fewer than 7,500 miles per year.
Provide odometer information to a State Farm agent, who will call to verify the reading. Agents call to verify odometer information when it’s time to renew a policy, and sometimes mid-term.
Confirm your low mileage discount is being applied to your bill. It will last as long as you continue to drive fewer than 7,500 miles annually.
How State Farm Verifies Low Mileage
To verify a customer meets the annual mileage requirement, a State Farm agent will contact the customer to collect their odometer information for the past year. State Farm will then continue to contact the customer periodically to collect the car’s odometer readings. If those readings show the customer has increased their driving to more than 7,500 miles per year, they will lose the discount.
You can get a State Farm safe driver discount by participating in the company’s optional Drive Safe & Save program. State Farm customers can save up to 30% on their auto insurance policies by participating in this safe driver discount program.
State Farm’s Drive Safe & Save program uses information collected from your smartphone or your vehicle's OnStar service, along with in-vehicle beacons, to calculate your discount. The program monitors things like how quickly you accelerate, your speeding habits, how hard you brake, how fast you take corners, and if you use your cell phone while you drive.… read full answer
How To Get The State Farm Safe Driver Discount
Enroll your vehicle in the Drive Safe & Save program by downloading the Drive Safe & Save app (text SAVE to 78836 to receive a download link).
Log into the app, using your State Farm user ID and password or your driver’s license information, and follow the step-by-step instructions to sign up.
Set up the Bluetooth beacon(s) that State Farm will send you by mail. You will need to sync the beacon(s) with the app while your car is parked and input the car’s odometer readings.
Receive a discount (of about 5%) just for signing up for the Drive Safe & Save program, after you’re all set up.
Use the data the Drive Safe & Save app collects about your driving habits to see how you can become a safer driver and apply that knowledge while you’re behind the wheel. The better you drive, the more you’ll save.
Confirm your performance-based safe driver discount is being applied to your bill. You can do this by checking your Drive Safe & Save account page, checking your bill, or contacting a State Farm representative.
Getting State Farm’s safe driver discount is relatively straightforward. Just bear in mind that some details vary from state to state. For example, only mileage information is used to calculate discounts for customers in Maryland and New York, while customers in other states could see good driving habits rewarded with a discount. Also, the State Farm safe driver discount is not available to residents of California, Massachusetts or Rhode Island.
Yes, State Farm offers non-owner car insurance for people who do not have access to a household car. State Farm non-owner car insurance is a good investment for drivers who frequently borrow or rent cars, or those who need to file an SR-22 or FR-44 with their state to prove they have insurance. A non-owner policy from State Farm typically costs around $408 per year.… read full answer
When to Consider State Farm Non-Owner Car Insurance
You rent cars regularly.
You frequently use car-sharing services such as Zipcar.
You need to reinstate your license.
You need to file an SR-22/FR-44 form despite not owning a car.
You want to maintain continuous coverage to prevent future premium increases.
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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