State Farm Discount Double Check Car Insurance Discount [2024]
State Farm Discount Double Check is a program that helps policyholders ensure they're getting all the available car insurance discounts available with the company.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Jul 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
What is the Discount Double Check?
- State Farm is the only company that offers Discount Double Check®
- The program checks to make sure you’re getting all the discounts for which you qualify
- Discount Double Check® can save you up to 40 percent
Discount Double Check® is a program that State Farm offers to its policyholders so they can make sure they’re getting all of the car insurance discounts for which they qualify.
This program is also used as a way to get policyholders from other insurance companies to see if State Farm coverage would be cheaper and encourage them to switch to State Farm. So how does Discount Double Check® work?
The State Farm Discount Double Check® program is a great and easy way for policyholders to make sure they are saving as much money as possible. In these hard economic times, every penny counts.
Learning about the Discount Double Check® is important. The program can save on costs as much as 40 percent on your annual car insurance premium.
The free online tool located above is a great way to compare auto insurance rates and find your own discounts. To begin your search, just enter your ZIP code in the box above.
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Does the Discount Double Check® really work?
While it’s true that the Discount Double Check® program will let the policyholder know what types of discounts they’re qualified for, that doesn’t mean that there is a chance to find a cheaper rate with another car insurance company.
State Farm car insurance is a private insurance company, so it can only give rates for its own insurance. If you research insurance rates with an independent insurance agent, you’re more likely to find the best rate. An independent insurance agent can offer rates from multiple insurance companies at once and can also give you a quote of these rates with the discounts applied.
So just because a person uses the State Farm discount double check program to find the most discounts available through State Farm does not mean that’s the best rate they can find.
The discount double check’s origin, at least in the popular zeitgeist, dates back to 2012. The Discount Double Check® Aaron Rodgers commercials have become legendary and have birthed numerous Discount Double Check® memes and gifs. Whether it was Rodgers watching teammate BJ Raji doing his discount double check move or throwing his hands up at the Discount Double Check® being done by a girl and her husband, the commercial became a hit.
No discount double choke for the star quarterback in these ads. Discount Double Check® Da’ Bears!
State Farm offers a wide variety of discounts to customers, which are listed on their website. Up next, we’ll go into how the Discount Double Check® can save you money.
What are common car insurance discounts that the Discount Double Check® finds?
Before we move into discounts, how do State Farm’s rates stack up against the competition? For the sake of simplicity, this table shows rates only in Virginia.
Average Annual Car Insurance Rates in Virginia
| Companies | Average Annual Rates | Rate Difference Compared to State Average | Percent of State Average |
|---|---|---|---|
| USAA | $1,858.39 | -$499.47 | -26.88% |
| Geico | $2,061.51 | -$296.36 | -14.38% |
| Nationwide | $2,073.01 | -$284.86 | -13.74% |
| State Farm | $2,268.92 | -$88.94 | -3.92% |
| Progressive | $2,498.55 | $140.68 | 5.63% |
| Allstate | $3,386.82 | $1,028.95 | 30.38% |
| Total Average | $2,357.87 | $0.00 | 0.00% |
The following table shows the most common car insurance discounts available through State Farm.
State Farm Car Insurance Discounts
| Discount Types | Discount Details |
|---|---|
| Claim Free | 15%, must have State Farm for at least three consecutive years without an accident |
| Defensive Driver | 5%, "55 and Alive;" 55 and up; Must be taken in last three years |
| Distant Student | Under 25 years old; Over 100 miles away for school without the car; Discount varies |
| Driver's Ed | 15%, "Steer Clear;" Under 25 years old; No tickets for three years; Must watch videos and complete trip log on State Farm website |
| Good Credit | No further details available |
| Good Student | Save up to 25% savings last until the age of 25 |
| Homeowner | 3% |
| Low Mileage | 30%, under 7,500 with proof |
| Married | No further details available |
| Military | Only in select states; No % listed |
| Multiple Policies | 17%, homeowners, renters, condo, or life insurance in addition to auto insurance with State Farm; Homeowners policies with Citizens count as well |
| Multiple Vehicles | 20% |
| Paperless/Auto Billing | Save $2 per month and reserve payment with auto billing |
| Safe Driver | 15%, same qualifications as "Claim Free" discount, only this applies to new customers with three years accident free; Higher discount once three years with State Farm |
| Vehicle Recovery | 5% |
As you can see, most of these discounts offer as much as a 20 percent savings on the policyholder’s annual car insurance premium.
There are other car insurance discounts that can be found with other companies that also offer a lot of savings. Most car insurance discounts can be divided into five categories:
- Driving history
- Driver affiliations
- Vehicle equipment
- Customer loyalty rewards
- Driver’s education
Some common vehicle equipment such as air bags may qualify a driver for great car insurance discounts. They are listed in the table that follows.
What are the State Farm car insurance safety features discounts?
State Farm Car Insurance Safety Features Discounts
| Safety Feature Discounts | Discount Details |
|---|---|
| Anti-lock Brakes | 5% |
| Anti-Theft Systems | 15%, discount off of comprehensive coverage; Higher discount with "engine cut-off" |
| Driving Device/App | "Drive Safe & Save;" 5% for each vehicle; Up to 50% off based on driving history after three months |
| New Vehicle | 40% off of medical-related coverage for vehicles 1994 or later, depending on make and model |
| Passive Restraint | 40% off of medical-related coverage for vehicles 1993 and newer |
Beyond standard auto insurance discounts, having air bags decreases car insurance rates because the driver will be less likely to be seriously injured in an accident, which will cost the insurance company much less in the long run.
A car with driver-side air bags can qualify for a discount of up to 25 percent, and a car that has driver and passenger side air bags can offer a savings of up to 40 percent.
A policyholder that has a history of no accidents or tickets also qualifies for a car insurance discount often called a safe driving discount. This is because it’s assumed that their history as a safe driver means they will be less likely to be involved in an accident in the future. Most companies require the driver to be free of accidents and tickets for three to five years to qualify for this car insurance discount. This particular discount can save you up to 25 percent.
Other very common car insurance discounts are available to policyholders that have multiple insurance policies with the same insurance provider. These are known as loyalty discounts. You can qualify for these discounts by having multi-car insurance with the same company or by having more than one type of insurance policy (such as a car and home insurance policy) with the same insurer. These discounts can be ideal for those who have a family with multiple drivers, cars, and are homeowners.
Before we continue, here is another commercial for the Discount Double Check®, with another Saturday Night Live reference for good measure. This one looks like it could end with a Discount Double Check® injury, don’t try it at home.
Up next, we go into how you can find the coverage that’s best for you, no matter what company.
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What is the best way to find a car insurance provider?
When searching for car insurance, a consumer should research as many companies as possible to make sure that you choose the best rate. Be sure to explore options and never be afraid to ask a question.
You should never choose an insurance company just because someone else suggested it. You shouldn’t choose the first company you come across, either. Finding the right insurance provider for you and your family can be a bit of a process, it is worth the time and effort.
You can easily research the financial stability of insurance companies through A.M. Best Company. This is an independent company that evaluates the financial strength and ability to meet contract obligations of various insurers. The following table shows the financial ratings for several companies, State Farm included, in the District of Columbia.
A.M. Best Ratings of Car Insurance Companies in D.C.
| Companies | A.M. Best Rating |
|---|---|
| Berkshire Hathaway | A++ |
| State Farm | A++ |
| Travelers | A++ |
| USAA | A++ |
| Allstate | A+ |
| Erie | A+ |
| Hartford | A+ |
| Nationwide | A+ |
| Progressive | A+ |
| Liberty Mutual | A |
As you can see, State Farm has a high rating of A++ from A.M. Best. This is the top rating possible. The rest of the ratings are covered in the following table.
Read more: State Farm Car Insurance Discounts
A.M. Best Car Insurance Ratings
| A.M. Best Rating Categories | A.M. Best Rating Symbols | A.M. Best Rating Notches | Comments |
|---|---|---|---|
| Superior | A+ | A++ | Assigned to insurance companies with a superior ability to meet ongoing insurance obligations. |
| Excellent | A | A- | Assigned to insurers that have an excellent ability to meet their ongoing insurance obligations. |
| Good | B+ | B++ | Assigned to insurance companies that have a good ability to meet ongoing insurance obligation. |
| Fair | B | B- | Assigned to insurers that have a fair ability to meet their ongoing insurance obligations. Financial strength is vulnerable to adverse changes in underwriting and economic conditions |
| Marginal | C+ | C++ | Assigned to insurance companies that have a marginal ability to meet ongoing insurance obligations. Financial strength is vulnerable to adverse changes in underwriting and economic conditions |
| Weak | C | C- | Assigned to insurance companies that have a weak ability to meet ongoing insurance obligations. Financial strength is very vulnerable to adverse changes in underwriting and economic conditions |
| Poor | D | - | Assigned to insurance companies that have a poor ability to meet their ongoing insurance obligations. Financial strength is extremely vulnerable to adverse changes in underwriting and economic conditions |
The Better Business Bureau is another organization that can prove useful in evaluating what insurer is reputable and right for you. The BBB uses a comprehensive rating system to determine a viewpoint on businesses. Factors that play a part in rating attribution include:
- The business’ complaint history with the BBB
- Type of business
- Time in business
- Whether transparent business practices have been used
- Honoring of commitments to the BBB
- Licensing and government actions
- Advertising issues the BBB is aware of
All of the aforementioned factors are attributed to a certain point scale. Then, these points are added up on a scale of zero to 100. The numerical ratings and corresponding letter ratings are listed in the table below.
Better Business Bureau Car Insurance Ratings
| From | To | Better Business Bureau Letter Rating |
|---|---|---|
| 97 | 100 | A+ |
| 94 | 96.99 | A |
| 90 | 93.99 | A- |
| 87 | 89.99 | B+ |
| 84 | 86.99 | B |
| 80 | 83.99 | B- |
| 77 | 79.99 | C+ |
| 74 | 76.99 | C |
| 70 | 73.99 | C- |
| 67 | 69.99 | D+ |
| 64 | 66.99 | D |
| 60 | 63.99 | D- |
| 0 | 59.99 | F |
State Farm has the highest rating, A+.
Before we move on, here is a table showing State Farm’s reviews from multiple companies. Remember, though, that it’s always important for you to shop around for yourself. Discounts and ratings alone won’t always be enough for insurers to grab the attention of policyholders and encourage them to switch. No one knows your needs better than you.
State Farm Car Insurance Ratings
| Rating Agencies | Rating |
|---|---|
| A.M. Best | A++ |
| Better Business Bureau | A+ (Milwaukee, WI) |
| Moody’s | Aa1 (State Farm Life) |
| S&P | AA |
| NAIC Complaint Index Ratio | 0.49 (2018) |
| J.D. Power | 4/5 (Overall Satisfaction) |
| Consumer Reports | 89 |
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Case Studies: Illustrating the Benefits of the State Farm Discount Double Check Program
Case Study 1: The Smith Family
The Smith family, residents of Springfield, were long-time customers of State Farm for their car insurance needs. However, they were unaware of the various discounts available to them.
After participating in the Discount Double Check program, they discovered that they were eligible for multiple discounts based on their safe driving record, loyalty to State Farm, and the safety features of their vehicle.
By taking advantage of these discounts, the Smith family was able to save up to 25% on their annual car insurance premium.
Case Study 2: Young Driver Savings
Sarah, a college student in Los Angeles, recently obtained her driver’s license and was added to her parents’ car insurance policy with State Farm. Her parents decided to use the Discount Double Check program to ensure they were maximizing their savings.
They discovered that Sarah qualified for a good student discount due to her excellent academic record. This discount helped them reduce their overall premium by 20%, providing significant savings for the family.
Case Study 3: Multi-Policy Discount
John and Lisa, a married couple residing in New York City, owned a home and multiple vehicles. They were interested in consolidating their insurance policies for convenience and potential cost savings.
Through the Discount Double Check program, they discovered that by bundling their car insurance with their existing homeowners’ insurance, they could qualify for a multi-policy discount. This discount resulted in a 15% reduction in their overall insurance costs, making it a financially advantageous decision.
Case Study 4: Safety Features Discount
Mike, a single professional in Chicago, recently purchased a new car equipped with advanced safety features, including driver and passenger airbags. He decided to participate in the Discount Double Check program to explore potential savings.
The program identified the safety features of Mike’s vehicle, and as a result, he was eligible for a discount of up to 40% on his car insurance premium. This significant reduction allowed Mike to allocate his financial resources to other essential expenses.
Frequently Asked Questions
What is the Discount Double Check?
The Discount Double Check is a program offered by State Farm that helps policyholders ensure they’re getting all the available car insurance discounts with the company.
How does the Discount Double Check work?
The Discount Double Check program allows policyholders to review their coverage and identify potential discounts they may qualify for. It helps maximize savings on the annual car insurance premium.
Does the Discount Double Check guarantee the best rate?
No, the Discount Double Check only assesses discounts available with State Farm. To find the best rate, it’s recommended to research rates with multiple insurance companies, preferably through an independent insurance agent.
What are common car insurance discounts found with the Discount Double Check?
Some common car insurance discounts include safe driving discounts for drivers with no accidents or tickets, loyalty discounts for policyholders with multiple policies, and discounts for safety features like airbags.
How can I find the best car insurance provider?
When searching for car insurance, it’s important to research and compare rates from multiple companies. Evaluate the financial stability and ratings of insurers through independent organizations like A.M. Best Company and the Better Business Bureau.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.