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 University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 15, 2020

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Here's what you need to know...

  • 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 you as much as 40 percent on your annual car insurance premium.

The free online tool located above is a great way to compare car insurance rates and find your own discounts. To begin your search, just enter your ZIP code in the box above.

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 they can’t 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.

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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
CompaniesAverage Annual RatesRate Difference Compared to State AveragePercent 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$140.685.63%
Allstate$3,386.82$1,028.9530.38%
Total Average$2,357.87$0.000.00%
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The following table shows the most common car insurance discounts available through State Farm.

State Farm Car Insurance Discounts
Discount TypesDiscount Details
Claim Free15%, must have State Farm for at least three consecutive years without an accident
Defensive Driver5%, "55 and Alive;"
55 and up;
Must be taken in last three years
Distant StudentUnder 25 years old;
Over 100 miles away for school without the car;
Discount varies
Driver's Ed15%, "Steer Clear;"
Under 25 years old;
No tickets for three years;
Must watch videos and complete trip log on State Farm website
Good CreditNo further details available
Good StudentSave up to 25%
savings last until the age of 25
Homeowner3%
Low Mileage30%, under 7,500 with proof
MarriedNo further details available
MilitaryOnly in select states;
No % listed
Multiple Policies17%, homeowners, renters, condo, or life insurance in addition to auto insurance with State Farm;
Homeowners policies with Citizens count as well
Multiple Vehicles20%
Paperless/Auto BillingSave $2 per month and reserve payment with auto billing
Safe Driver15%, 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 Recovery5%
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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:

Some common vehicle equipment such as airbags may qualify a driver for great car insurance discounts. They are listed in the table that follows.

State Farm Car Insurance Safety Features Discounts
Safety Feature DiscountsDiscount Details
Anti-lock Brakes 5%
Anti-Theft Systems15%, 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 Vehicle40% 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
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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. A car with an alarm system can qualify for a discount of up to 25 percent.  Having airbags 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 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’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.

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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.

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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

When searching for car insurance, research as many companies as possible to make sure that you choose the best rate.

You should never choose an insurance company just because someone else suggested it. You shouldn’t choose the first company you come across, either.

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.
CompaniesA.M. Best Rating
Berkshire HathawayA++
State FarmA++
TravelersA++
USAAA++
AllstateA+
ErieA+
HartfordA+
NationwideA+
ProgressiveA+
Liberty MutualA

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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.

A.M. Best Car Insurance Ratings
A.M. Best Rating CategoriesA.M. Best Rating SymbolsA.M. Best Rating NotchesComments
SuperiorA+A++Assigned to insurance companies with a superior ability to meet ongoing insurance obligations.
ExcellentAA-Assigned to insurers that have an excellent ability to meet their ongoing insurance obligations.
GoodB+B++Assigned to insurance companies that have a good ability to meet ongoing insurance obligation.
FairBB-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
WeakCC-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
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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
FromToBetter Business Bureau Letter Rating
97100A+
9496.99A
9093.99A-
8789.99B+
8486.99B
8083.99B-
7779.99C+
7476.99C
7073.99C-
6769.99D+
6466.99D
6063.99D-
059.99F
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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. No one knows your needs better than you.

State Farm Car Insurance Ratings
Rating AgenciesRating
A.M. BestA++
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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Now, here is one last commercial for State Farm’s Discount Double Check®.

Enter your ZIP below now to start comparing car insurance rates and finding discounts.