State Farm offers a defensive driving discount that seniors can qualify for, though the discount is available to drivers of any age. Like most insurance companies, State Farm does not have a senior discount that automatically lowers rates for all older drivers.
In addition to the defensive driving discount, State Farm has other ways for senior drivers to save. For example, State Farm offers an accident free discount, which gives a discount to drivers who go at least three years without an accident.
Yes, State Farm does offer free towing for customers who have the company’s roadside assistance coverage. State Farm roadside assistance generally costs $15 per six-month policy and includes towing services to the nearest repair facility. State Farm customers can request roadside assistance online, or they can call 1-877-627-5757.
Up to one hour of mechanical labor for issues like mechanical problems, transmission trouble, or a fluid leak, among other things
While State Farm’s roadside assistance covers towing and other services, it doesn’t cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.
State Farm does not advertise a marriage discount, though married drivers do pay less for State Farm car insurance than single drivers, on average. For example, a 45-year-old married driver with a good record on the road pays an average of 26% less for State Farm coverage than the same driver without a husband or wife. Married people also typically qualify for more State Farm discounts, like the multi-vehicle and multi-policy discounts.… read full answer
Married couples tend to be more careful on the road and get into fewer accidents, which translates into lower State Farm rates. But there are some exceptions, and sometimes a shared policy can be more expensive. If your spouse has a poor driving record or is considered a high-risk driver for another reason, you could pay more for your State Farm policy.
To get a State Farm quote, you can go online or call 800-782-8332.
You can lower your State Farm car insurance costs by taking advantage of State Farm discounts, opting for a higher deductible, and reducing your coverage, among other things. State Farm considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from State Farm
Use State Farm’s auto insurance discounts
State Farm offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 25% if they've been insured with State Farm for at least three continuous years without an accident . Or you can save up to 25% on your premium if a high school or college student listed on your policy maintains at least a 3.0 GPA.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from State Farm can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing save driving habits and avoiding moving violations can help you qualify for lower State Farm insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. State Farm even offers a 10-15% discount to drivers who take an approved defensive driving course.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, State Farm uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your State Farm premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from State Farm to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Sign up for Drive Safe & Save
Drive Safe & Save, the State Farm telematics program, rewards you for good driving with a discounted premium. Specifically, Drive Safe & Save tracks miles driven, acceleration, braking, turns, speed, and distracted driving. By using Drive Safe & Save, drivers can save up to 50% on their rate.
Finally, if you’re still struggling to afford your State Farm policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.