Receive a 5% discount on qualifying auto, home, and dwelling insurance policies and up to 5% on farm policies by signing up for paperless policy documents in Online Account Manager. In addition to saving money you can view your policy documents in an accessible electronic file 24/7 and reduce paper for greener living.
Receive a 5% discount on your Auto policy by paying your premium in full prior to the policy term. If you pay your premium in installments, consider paying all at once to save money on your insurance premium up front.
For eligible vehicle types, we offer a Driver Education Discount for drivers up to age 21 who complete a state-approved driver education course. If a young driver on your policy has completed a state-approved driver education course and provides signed evidence of successful course completion, he or she may be eligible for a 15% discount which applies to most coverage under that policy. Click here for more information on Indiana state-approved driver education providers.
Use of certain impact resistant roofing products may qualify you for policy premium discounts. Properties with roof surfaces meeting Underwriters' Laboratories (UL) Class 3 or Class 4 testing Standard 2218, Impact Standard for Impact Resistance of prepared roof covering materials, are eligible for a policy premium discount. Contact your Indiana Farm Bureau Agent if you are installing an impact resistant roof for more information on how you can certify your eligibility for this new discount. Click here for more information on how you can reduce risks from hail damage and for more information about Impact-resistant roofing.
Depending on the number of years your auto policy has been continuously insured with us, you may be eligible for a discount of up to 30%. This discount also enables you to earn accident forgiveness protection.
If your auto has been continuously insured with us less than three years and written in Tier 1, you may be eligible for a discount of 20%.
Vehicle safety discounts are available for eligible vehicles and automatically apply based on the vehicle's VIN.
Auto policies with young drivers age 16-24 may be eligible for discounts to reward safe driving. The Youthful Driver Discount Enrollment form must be completed and signed to be considered for eligibility. Please click here to view the "Young Drivers: the High Risk Years" YouTube video produced by the Insurance Institute for Highway Safety (IIHS).
If you have two cars in your family you can save money by insuring both cars with Indiana Farm Bureau Insurance. If you have three or more cars, you can save even more.
If Indiana Farm Bureau Insurance insures both your auto and your home, you can save 18% on your auto and 20% on your home or farm policy premiums. If we insure both your auto and motorcycle, along with your home or farm, you can save 18% on your motorcycle premium. If we also insure your Personal or Farm Umbrella Liability policy you can save an additional 5% on your auto policy premium.
Youthful drivers who attain at least 2.95 cumulative grade point average (GPA) on a 4.0 scale (or its equivalent) in school may also qualify for a valuable discount.
If you are 45 years of age or older, lower rates are available to you.
Lower rates are available to farmers for vehicles that are principally garaged on a farm.
If you have had an active Homeowners or Dwelling policy with us for a minimum of one year, you qualify to earn a Loyalty discount. Then, the longer you have your continuously active policy with us, the more your potential discounts can continue to grow.
If you have not had any recent claims, you earn a Claims Experience discount. The longer you continuously keep an active Homeowners or Dwelling policy with us and the fewer claims you have, the lower your rates will be.
A 10% discount will be given to any insured who has an active Rural Guardian policy with Indiana Farm Bureau Insurance.