Gianetta Palmer is a writer for, copywriter, and essayist. Her work has appeared in, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Mar 13, 2020

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The “Discount Double Check” is a program offered by State Farm Insurance as a way for its customers be sure they are saving as much as possible on their automobile insurance premiums. Customers of other insurance companies may also use the Discount Double Check program to see if State Farm would save them money over their current automobile insurance carrier.

The Discount Double Check is a very user-friendly program offered directly on State Farm’s website ( Standing customers can log in and use the program; others must enter their ZIP code for a free quote.

The Discount Double Check can find up to 40 percent savings in your current car insurance rates, according to State Farm’s website. Of course, this does not mean that State Farm will give you the best rates, even with the discounts; however, you can certainly get State Farm’s best rates by using this service.

Discount Double Check looks for several factors which may lower your total car insurance bill. While every discount is not available in every state, State Farm does offer the following discounts where available:

Multiple Vehicle Discount

If you insure more than one car with State Farm, you are likely to get a much better rate per car than if you insure only one vehicle. Multiple vehicle discounts are especially useful for families with more than one car.

Multiple Line Discount

You can also save money by “bundling” all of your insurance products with state farm. For every type of policy you own, you can get a discount on the overall premium for that product if you also have other insurance products with State Farm. Most people who utilize this discount have their automobile, homeowners, and even life or health insurance with State Farm. You also gain the convenience of dealing with one agent for all of your insurance needs, and may be able to purchase umbrella coverage as well. Umbrella policies tie all of your insurance products together and expand your liability limits for each policy.

New Vehicle Safety Discount

If you buy a new vehicle, it likely has much better safety ratings and features than your older car. New designs in airbags and other passive restraints, side and rear cameras to prevent accidents, and accident sensors all lower your car insurance premiums. Anti-lock brakes, rollover sensors and rollbars, and suspension modulation can also qualify you for a discount.

Accident Free Discount

If you have not had an accident in a certain time period, State Farm rewards you with lower insurance premiums. Most at-fault accidents will negate this discount for a period of time, however.

Anti-Theft Device Discount

If your vehicle is equipped with a car alarm and other anti-theft devices, you may receive a discount on your comprehensive coverage.

Defensive Driving Discount

Taking a defensive driving course can lower your total insurance bill significantly, and may justify the cost of enrolling in such a class.

Good Driving Discount

No tickets or citations for a period of time means you will enjoy lower insurance premiums. Keep your speed and your insurance costs down by obeying the posted speed limits at all times.

Good Student Discount

Students under 25 can utilize a “good student” discount by making good grades in high school or college. A “B” average or better earns a discount on the student’s car insurance. Proof of grades must be submitted upon request to State Farm to qualify for this discount.

Driver Training Discount

Young drivers who enroll in driver’s education save their parents money on their automobile insurance. Proof of completion of driver’s education will earn a discount on student’s automobile insurance costs.

Steer Clear® Safe Driver Discount

Completing the Steer Clear® Safe Driver course will earn you an automobile insurance discount. You can pick up the Steer Clear® Safe Driver materials from your agent or enroll in the course online. Upon successful completion, you earn a discount on your premiums.

Drive Safe & Save™ Discount

This online program assesses statistics on your vehicle to calculate a premium reduction on your car insurance. You can access the program on State Farm’s website.

The Discount Double Check reviews your driving history, make and model of vehicle, and other factors and assesses your eligibility for all of the above discounts. By using the Discount Double Check every year or so, you can be sure that you are earning all the discounts possible with State Farm automobile insurance, and save up to 40 percent on your total insurance bill.