Missouri Auto Insurer Discounts

Note: Not all companies apply discounts in the exact same way

2008 Auto Rate Discounts
Company Multiple Vehicles Insured Auto & Home Insured Accident Free Good Student Automatic
Seat Belts 		Air Bag Driver Side Air Bag
Both Sides
State Farm Mutual Ins. Co. 5% - 24% 17% 15% - 25% 10% - 25% 10% 20% 30%
American Family Ins. Co. 5% - 18% 15%-20% 5% - 10% 8% - 20% No 10% 10%
Farmers Insurance Co. 20% 15% 20% 25% 2% 7% 10%
Shelter Mutual Ins. Co. 7% - 24% 5% - 10% 10% - 15% 4% - 24% No 20% 30% - 40%
Allstate Property & Casualty Insurance Co 3% - 15% 10% 3% - 25% 10% - 20% 10% 20% 30%
Farm Bureau Town & Country 10% 7.5% 5% - 20% 20% No 20% 30%
Progressive Preferred Ins. Co. 1% - 24% 1% - 15% 1% - 15% No No No No
United Service Auto Assoc. 5% - 20% No 10% Yes 10% 20% 30%
Cameron Insurance Co. 5% - 15% 5% - 10% 5% 5% - 10% No 20% 30%
Safeco 5% - 30% 4% - 12% * 7% - 12% * * *
 
Company  Anti-Lock Brakes Anti-Theft Device Economy Car Daytime Running Lights Premium Paid in Full Elderly/Retired Defensive Driver Course
State Farm Mutual Ins. Co. No No No No No No No
American Family Ins. Co. No No 0% - 23% No No 10% - 13% No
Farmers Insurance Co. 5% No No No No No No
Shelter Mutual Ins. Co. 10% No No No No No No
Allstate Insurance Co. NO No 10% No No 10% No
Farm Bureau Town & Country No No No No No No No
Progressive Preferred Ins. Co. No No No No 9% - 22% No No
United Service Auto Assoc. No 5% - 20% No 5% No No No
Cameron Insurance Co. No No No No No No No

(1) State Farm offers this discount on 1993 and prior models only.

(2) American Family's auto & home discount applies if insured has a qualifying driving record.

(3) Shelter's auto & home discount applies if insured and/or spouse is age 48 or older.

(4) Progressive Preferred's discount applies to homeowners

(5) United Service Auto Association's good student discount varies greatly and is based on final classification assigned.

(6) Cameron's discount % varies by insured classification

(7) Allstate offers discount to those 55 years of age an older

   

Price reductions for these items are incorporated into Safeco’s rating plan

Multiple Vehicles Insured Discount
applies when two or more private passenger automobiles, used principally by persons residing in the same household, are insured with the same company. The discount reduces bodily injury and property damage liability, medical payments, comprehensive, and collision coverage premiums.
Auto & Home Insured Discount
applies when auto and home are insured with the same company.
Accident-Free Discount
applies usually when the insured has no chargeable accidents during a three-year period. The discount increases when the insured has been accident-free for six years and 10 years. For some companies the discount will continue even when you have a chargeable accident if you have been accident free, for example, the past nine years. Also, some companies waive the normal accident surcharge because the insured loses the accident-free discount instead. The accident-free discount applies to the basic premiums for bodily injury and property damage liability, medical payments, comprehensive and collision coverage.
Good Student Discount
A student must meet criteria that usually require students to rank scholastically among the upper 20 percent of their class or have a "B" average. The discount usually applies until the operator marries or turns age 25. This discount reduces bodily injury and property damage liability, medical payments, comprehensive and collision coverage premiums (Most companies do NOT offer driver education discounts.)
Automatic Seat Belts Discount
applies to cars that have automatic front seat belts. The discount applies to the base premium of medical payments coverage.
Air Bag/Driver-Side Discount
applies to vehicles that have a driver-side air bag. The discount applies to the base premium of medical payments coverage.
Air Bag/Both Sides Discount
applies to vehicles that have an air bag on both driver and front-passenger sides. The discount applies to the base premium of medical payments coverage.
Defensive Driver Discount
is offered to drivers over the age of 55 who complete a defensive driving course.  These courses are not available in every community and may or may not be offered by the local Driver"s License Bureau.
Elderly-Retired Discount
applies to operators age 50 or older. Some companies require the insured to be retired. Some companies have higher discounts for ages 50 to 59 that decline for ages 60 to 69. This discount applies to bodily injury and property damage liability, medical payments, comprehensive and collision coverages.
Anti-Lock Brakes Discount
applies when the vehicle is equipped with a factory-installed anti-lock braking system on all four wheels. Premiums for liability and collision coverage are reduced.
Anti-Theft Device Discount
applies when vehicles are equipped with anti-theft devices. This discount normally only recognizes devices that sound an alarm audible at a distance or a device that actually disables the vehicle by making the fuel, ignition or starting system inoperative. This discount applies to comprehensive coverage.
Economy Car Discount
applies when the vehicle qualifies for the economy car discount as identified in the symbol and identification pages of the company's manual. This discount applies to bodily injury and property damage liability coverage.
Daytime Running Light Discounts
applies to vehicles that are equipped with a daytime running light system. This discount applies to collision coverage.
Paid-In-Full Discount
applies to bodily injury and property damage liability, medical payments, comprehensive and collision when the policy is paid in full at time of the application or renewal.