State Farm Discount Double Check Car Insurance Discount [2025]

What is the Discount Double Check?

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 on costs as much as 40 percent on your annual car insurance premium.

The free online tool located above is a great way to compare auto 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 there is a chance to 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.

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

The following table shows the most common car insurance discounts available through State Farm.

State Farm Car Insurance Discounts

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:

• Driving history
• Driver affiliations
• Vehicle equipment
• Customer loyalty rewards
• Driver’s education

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

What are the State Farm car insurance safety features discounts?

State Farm Car Insurance Safety Features Discounts

Beyond standard auto insurance discounts, having air bags 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 air bags can qualify for a discount of up to 25 percent, and a car that has driver and passenger side air bags 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 often called a safe driving 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.

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. These discounts can be ideal for those who have a family with multiple drivers, cars, and are homeowners.

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.

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

When searching for car insurance, a consumer should research as many companies as possible to make sure that you choose the best rate. Be sure to explore options and never be afraid to ask a question.

You should never choose an insurance company just because someone else suggested it. You shouldn’t choose the first company you come across, either. Finding the right insurance provider for you and your family can be a bit of a process, it is worth the time and effort.

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.

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.

Read more: State Farm Car Insurance Discounts

A.M. Best Car Insurance Ratings

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

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. Discounts and ratings alone won’t always be enough for insurers to grab the attention of policyholders and encourage them to switch. No one knows your needs better than you.

State Farm Car Insurance Ratings

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

Case Studies: Illustrating the Benefits of the State Farm Discount Double Check Program

Case Study 1: The Smith Family

The Smith family, residents of Springfield, were long-time customers of State Farm for their car insurance needs. However, they were unaware of the various discounts available to them.

After participating in the Discount Double Check program, they discovered that they were eligible for multiple discounts based on their safe driving record, loyalty to State Farm, and the safety features of their vehicle.

By taking advantage of these discounts, the Smith family was able to save up to 25% on their annual car insurance premium.

Case Study 2: Young Driver Savings

Sarah, a college student in Los Angeles, recently obtained her driver’s license and was added to her parents’ car insurance policy with State Farm. Her parents decided to use the Discount Double Check program to ensure they were maximizing their savings.

They discovered that Sarah qualified for a good student discount due to her excellent academic record. This discount helped them reduce their overall premium by 20%, providing significant savings for the family.

Case Study 3: Multi-Policy Discount

John and Lisa, a married couple residing in New York City, owned a home and multiple vehicles. They were interested in consolidating their insurance policies for convenience and potential cost savings.

Through the Discount Double Check program, they discovered that by bundling their car insurance with their existing homeowners’ insurance, they could qualify for a multi-policy discount. This discount resulted in a 15% reduction in their overall insurance costs, making it a financially advantageous decision.

Case Study 4: Safety Features Discount

Mike, a single professional in Chicago, recently purchased a new car equipped with advanced safety features, including driver and passenger airbags. He decided to participate in the Discount Double Check program to explore potential savings.

The program identified the safety features of Mike’s vehicle, and as a result, he was eligible for a discount of up to 40% on his car insurance premium. This significant reduction allowed Mike to allocate his financial resources to other essential expenses.