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by Indiana Farm Bureau Insurance

Learn more about the new Drive Less, Save More Discount!

Drive Less Save More Discount graphic

Indiana Farm Bureau Insurance understands that the last few years have shifted the world. Many companies have converted to hybrid or fully remote work schedules, reducing and even eliminating many Hoosiers’ daily commutes. We also recognize that many Hoosiers are stay-at-home parents, retirees, luxury car owners, college students or military personnel that may find themselves in their cars less than the average Indiana resident.  


We want to show Indiana that we recognize some vehicles may not see the road as much as others do and, because of that, you may have an opportunity to save more on your auto insurance. Our company created a discount for eligible policyholders called the Drive Less, Save More Discount, which could save you up to 10% on your auto insurance premium if you qualify.  


It feels good knowing your insurance company recognizes that the world and how people function in their day-to-day lives has evolved. This is just one of the ways our company puts our members first; Indiana Farm Bureau Insurance policyholders know that they are one of the company’s top priorities.

Our vision is “Our family protecting your family,” and our agents and employees see you as family, not as an insurance policy. We want to take the guesswork out of insurance and help you select insurance coverages that fit the needs of you and your family.  


How to save more money with the new Drive Less, Save More Discount


It’s that simple, if you have a car that is on the road less than 12,000 miles a year, you may receive up to a to 10% discount on your eligible auto insurance premium. This discount is just one of the benefits of driving less in Indiana and insuring with Indiana Farm Bureau Insurance.  


How can you apply to save? It’s simple! If you would like to set up the Drive Less, Save More Discount you can request the discount online, through your local office or call us at (800) 723-3276. Your discount rate will be determined based on the number of miles you drive per year for that vehicle. We validate your car’s mileage through photos of your odometer, it is a simple and easy annual mileage submission.  


The exciting thing is that each vehicle insured with Indiana Farm Bureau Insurance can be independently eligible for this discount depending on how many miles it is driven per year. This means that, for example, one of your vehicles may qualify for an 8% discount, another may qualify for a 3% discount but the third does not qualify for any discount. It is individualized to each vehicle you insure. 


If you would like to learn more about the Drive Less Save More Discount as well as other available discounts, contact your Indiana Farm Bureau Insurance agent or marketing associate in your local office or call us at (800) 723-3276!  


Is car insurance cheaper if you drive less?  


At Indiana Farm Bureau Insurance, your car insurance premium maybe more affordable if you drive less than the average Hoosier with the new Drive Less, Save More Discount. You can receive up to a 10% discount on your eligible auto insurance policy if your car is on the road less than 12,000 miles a year.  


How can you benefit from this discount? The Drive Less Save More Discount is available on personal auto policies with vehicles driven less than 12,000 miles a year. For example, if you use one car for work purposes every day and drive 20,000 miles a year but also have a second car at home that is used less than 12,000 miles annually, that second vehicle’s policy could qualify to receive the discount!  


A good way of gauging if you could receive the discount is by thinking about your everyday mileage. If you believe that you drive fewer than 32 miles a day, it is possible that you may qualify for this discount.  



Drive Less Save More Discount Graphic


Wondering how to save more on your auto insurance premium? Our company offers many auto insurance discounts. Some of those discounts include DriveTrend® Discount, Paperless Discount, Accident Free Discount and Advanced Discount among more!  





Do you have questions about the Drive Less, Save More Discount? Don’t worry, you are not alone! Here are a few frequently asked questions regarding this discount. If you can’t find the answers you need on the discount’s FAQ page, contact your local insurance agent today.  


What is the Drive Less, Save More Discount and how does it work?   


This discount can be applied to enrolled personal vehicles that are confirmed to be driven 12,000 or less miles per year. You must enroll each vehicle you believe qualifies. Upon confirmation of your initial odometer reading, you would receive the initial 2% discount. This will provide an initial discount level. Then annually we will request an updated photo of the odometer to confirm how many miles were driven that year. The discount level is then adjusted to reflect the miles the vehicle was driven. 


What happens with a vehicle change to my auto policy? 


The new vehicle will retain the established discount level for the vehicle that it is replacing. At the time of the change, we will request a photo of the new vehicle’s odometer to establish the starting point. When it is time for the annual verification, we will request a current photo of the odometer. Those two odometer readings provide the actual mileage driven for that time, which is used to determine the annual mileage. If it is less than 12,000 miles, the policy continues to receive the discount, which can be up to 10%. 


More questions about the Drive Less, Save More Discount? Check out the FAQ page to learn more.  



Now that you’re spending less time in your car, not only are you saving money on gas, but you may now save money on your auto insurance premium, too!  


*Limitations and restrictions apply. Discount ranging from 1% to 10%, based on mileage up to 12,000, can be applied to eligible personal auto policies issued or renewed on or after 1/1/2023.