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Farm Bureau Discounts

Financial Responsibility Savings Your credit score can have a direct impact on how much you pay for your car insurance through Farm Bureau. If you have a clean credit report, you will receive a discount on your insurance rates. People who maintain healthy financial practices are generally reliable and tend to maintain healthy driving habits as well. Farm Bureau believes that someone with a clean credit report is a person who can be trusted to treat their vehicle properly and avoid risky situations. This makes it possible to offer a discount in advance to customers who exhibit financial responsibility.

Good Student Discounts

Farm Bureau also offers a discount for academic responsibility. High school and college students who maintain a B average each semester will be eligible to receive this special discount. The good student discount can offset the higher costs of purchasing car insurance as an adolescent and young adult. Farm Bureau believes the same discipline that students use to achieve good grade averages will also help them maintain good driving skills. Good grades require a steady approach, just like good driving. This discount is a way to set apart the students who have earned some respect for their responsible behavior.

Multiple Policies

Farm Bureau offers insurance policies for more than just automobiles. You can purchase insurance for your home as well as your car. Customers who choose to purchase multiple insurance policies through Farm Bureau will receive a discount on their car insurance rates. You can also receive a car insurance discount if you insure more than one car through the same policy. Combining policies and adding multiple cars to a policy cuts down on the amount of paperwork and administrative assistance necessary to handle your insurance needs, so it is less expensive. It also makes paying your bills and handling your insurance coverage more convenient for you as a customer.

Safe Drivers

Anyone who maintains a safe driving record will pay less for car insurance through Farm Bureau. The longer your record is clean, the less you will have to pay in premiums. If you can avoid being involved in accidents, being issued traffic tickets, or skipping a year of car insurance coverage, you will maintain your eligibility for this special discount. If you do have a blemish on your record, it will diminish as time passes without any more problems. Usually drivers who have been accident free for three or more years experience the highest savings.

Pre-Purchase Planning

When you are shopping for a car, keep your insurance costs in mind. You can contact any Farm Bureau agent to discuss which types of cars are more expensive to insure than other types of cars. The agent will be able to tell you about the theft and vandalism rates for certain makes and models so that you can avoid those cars. You can also learn about with specific vehicles that are on the market. Buying intelligently is a good way to control your insurance costs before you purchase your policy.

Higher Deductible Options

Farm Bureau offers you the opportunity to reduce your regular premiums by choosing a higher deductible. Since you only have to pay toward your deductible if you actually need to file a claim, it is possible that you could enjoy the savings on your premiums without ever having to deal with the deductible at all. Be careful to choose a deductible that would fit into your budget if you did need to pay for an accident, however. A reasonable deductible is a good way to reduce your regular costs without sacrificing a great deal of money in the end.

Smart Coverage Choices

It is not reasonable to purchase the same amount of coverage for every type of car. Farm Bureau agents will help you decide how much coverage you really need to pay for. If your car is more than 10 years old, the odds are that it would cost more to repair it than it would to replace it after an accident. There is no reason to carry full comprehensive coverage on a vehicle that would not qualify for the repair work it might need. If you only pay for the insurance you need based on your vehicle, you will save money and still be protected.