Auto Insurance Discounts

Farmers Insurance offers many discounts to make your car insurance rates more affordable! Most discounts apply to a large group of the auto coverage options, but not the entire premium. For example, the good driver discount doesn't apply to towing and roadside service or to rental car reimbursement coverage. For simplicity, when we refer to "main coverage" on this page, we mean Bodily Injury (BI), Property Damage (PD), Uninsured Motorist (UM), Comprehensive (Comp), Collision (Coll), and Medical Payments (Med). Also, not all requirements and details are listed. Look through this list and call us if you want more details. 
707-526-0448

Good Driver Discount:

                                                    Eligible Discount: 

    - 20% off main coverage premium

Main Requirements:

    - No at fault accidents where there was bodily injury or $1,000 or more in property damage in the past 3 years
    - 1 or fewer minor traffic violations in the past 3 years
    - No major traffic violations in the past 3 years
    - No counts of driving under the influence in the past 10 years

Safe Driver Discount:

Eligible Discount:

    - Approximately 5% Discount off main coverage premium on top of the Good Driver Discount!

Main Requirements:

    - No at fault accidents or major violations in the past 5 years
    - No minor violations in the past 3 years
    - 5 years verifiable driving experience

Good Student Discount:

Eligible Discount:

    - Up to 25% discount off main coverage premium!

Main Requirements:

    - Full time student (High School or 12 units in College)
    - 3.0 GPA or Higher 


Passive Restraint Discount:

Eligible Discount:

    - 15% off Medical Payments coverage premium

Main Requirements:

    - Active Safety Belts and Airbags for both the driver and passenger


Antilock Brake Discount:

Eligible Discount:

    - 5% off main coverage premium

Main Requirements:

    - Automobile must be equipped with factory installed anti-lock brakes on all four wheels of the vehicle.



Anti-Theft Discount:

Eligible Discount:

    - 15% off of comprehensive coverage premium

Main Requirements:

    - Installed theft recovery system with homing device, GPS, or other similar locating service.


Alternative Fuel Vehicle Discount:

Eligible Discount:

    - 10% off main coverage premium

Main Requirements:

    - Must be a Hybrid Vehicle, Electric Vehicle, or Alternative Fuel Vehicle (ethanol and other non-petroleum based fuel)


Electronic Stability Control Discount:

Eligible Discount:

    - 2% off collision coverage premium

Main Requirements:

    - Electronic Stability Control System must be factory installed as standard equipment
    - Discount is automatically applied when the VIN is entered on the policy

Senior Defensive Driver Course Discount:

Eligible Discount:

    - 10% off main coverage premium for 3 years

Main Requirements:

    - Take a DMV approved Senior Driving Course
    - Have 55 years of life under your belt
    - Satisfy requirements for the Good Driver Discount