Learning About Discount Double Check

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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UPDATED: Nov 14, 2016

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Here's what you need to know...

  • State Farm offers a variety of discounts and through their discount double check program, they make sure you get all the discounts you qualify for
  • There are a wide variety of discounts available from a wide variety of insurers
  • Comparing quotes will let you see which company offers your particular situation the lowest rates

Discount double check is a program that State Farm offers to its policyholders so they can make sure they are 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.

The FREE online tool located above is a great way to compare car insurance rates where you live. To begin your search, just enter your ZIP code in the box above!

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.

This program can save the car insurance policyholder as much as 40% on their annual car insurance premium.

Does discount double check really work?

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While it is true that the discount double check program will let the policyholder know what car insurance discounts for which they are qualified, that does not mean that policyholders cannot find a cheaper rate with another car insurance company.

State Farm is a private insurance company, so they can only give rates for their own insurance.

A policyholder that chooses to research insurance rates with an independent insurance agent is more likely to find the best rate.

An independent insurance agent has the ability to offer rates from multiple insurance companies at once and can also give the policyholder 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 is the best rate the policyholder can find.

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What are common car insurance discounts that the discount double check could find?


The most common car insurance discounts available through State Farm include:

  • A multi-vehicle discount
  • A multiple line discount
  • An accident-free discount
  • A new vehicle safety discount
  • A defensive driving discount
  • An anti-theft device discount
  • A good student discount
  • A good driving discount
  • A safe driving discount
  • A driver training discount
  • A drive safe discount

These are common car insurance discounts that are available through most car insurance providers. Most of these discounts offer as much as a 20% 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. These categories are driving history, driver affiliations, vehicle equipment, customer loyalty, and driver’s education.

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Common vehicle equipment that qualifies a driver for great car insurance discounts include:

Since a car with an alarm system is less likely to be stolen, the car insurance company takes less of a financial risk in insuring it. Therefore, a car with an alarm system can qualify for a discount of up to 25 percent.

A car with airbags qualifies for a high discount 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 airbags can qualify for a discount of up to 25 percent and a car that has driver and passenger side airbags 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. This is because it is 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 accident-and ticket-free for three to five years to qualify for this car insurance discount. This particular discount can save the policyholder 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.

A person can qualify for these discounts by having more than one car insured with the same company, by having more than one type of insurance policy such as a car and home insurance policy with the same insurer.

What is the best way to find a car insurance provider?


When searching for car insurance it is best to research as many companies as possible to make sure that the best rate is being chosen.

A person should never choose an insurance company just because someone else suggested it and they should not choose the first company they come across.

The financial stability of insurance companies can be easily researched through A.M. Best Company.

Enter your ZIP below now to start comparing car insurance rates!

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