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All Discounts
Auto
Farm
Home
Life
Renters
All Discounts
Accident Free Discount
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.
Advance Quote Discount
This discount* is available for new clients quoting eligible auto or homeowners policies. Quote must be initiated seven or more days prior to the policy effective date.
*Percentage of discount varies by how you quote and purchase.
Agribusiness Discount
A 10% Agribusiness Discount on auto insurance premiums is available to employees of qualifying companies. See the list of qualifying companies.
Anti-Lock Braking and Passive Restraint Safety Equipment Discounts
Vehicle safety discounts are available for eligible vehicles and automatically apply based on the vehicle's VIN.
Auto + Life Discount
You could receive an additional 2% off your auto policy if you have a term life insurance policy, or an additional 4% if you have a whole life insurance policy.*
* In the event that a household contains both a qualifying term and qualifying whole life policy, only the maximum Auto + Life Discount would apply.
Claims Experience Discount
If you have not had any recent claims, you could earn a Claims Experience Discount. The longer you continuously keep an in force Homeowners or Dwelling Policy with us and the fewer claims you have, the lower your rates could be.
Crop Hail Discount
A 10% discount will be given to any insured who has an active Rural Guardian policy with Indiana Farm Bureau Insurance.
Drive Less, Save More Discount
The Drive Less, Save More Discount can help you save up to 10% on each vehicle’s auto insurance policy premium depending on your mileage.* Learn more about the discount >>
* 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.
Driver Education Discount
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. Read more information on Indiana state-approved driver education providers.
DriveTrend® Discount
Receive up to a 15%* discount on qualifying auto insurance policies by participating in DriveTrend®, the telematics mobile solution from Indiana Farm Bureau Insurance. The DriveTrend® mobile application provides information and feedback based on your driving habits. Get more info about DriveTrend discount.
* Limitations and restrictions apply; the DriveTrend® discount, ranging from 10% to 15%, is based on your driving habits.
Farm Rate Program
Lower rates are available to farmers for vehicles that are principally garaged on a farm.
Full Payment Discount
Receive a 5% discount on eligible auto, home, and farm coverages 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.*
*This discount does not apply to mortgagee billed policies and will not reduce the farm policy premium below the minimum premium.
Impact Resistant Roof Discount
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. Get more information on how you can reduce risks from hail damage and for more information about Impact-resistant roofing.
Loyalty Discount
If you have had an in force Homeowners or Dwelling Policy with us for a minimum of one year, you could qualify to earn a Loyalty Discount. Then, the longer you have your continuously in force policy with us, the more your potential discounts can continue to grow.
Multi-Car Discount
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.
Multi-Line Discounts
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 could save an additional 5% on your auto policy premium.
New Business Discount
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%.
Paperless Discount
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.
Protective System Discount
Protect your home with the following and save: smoke alarm, burglar & fire alarms, dead-bolt locks and fire extinguishers.
The Peril Protection System – Water
Receive a 5% discount on your dwellings and personal property premiums if you have a water leak detection system which meets certain eligibility qualifications. These qualifications include water sensors attached to a data network which is monitored and verified on a continuous basis, connected to a call center and we can verify the system is active in your home or farm residence.
The Peril Protection System – Water Back up and Sump Overflow
Receive a 20% discount on your Water Backup and Sump Overflow endorsement premium if you have a water leak detection system which meets certain eligibility qualifications. These qualifications include water sensors attached to a data network which is monitored and verified on a continuous basis, connected to a call center and we can verify the system is active in your home or farm residence. In order to receive this discount this endorsement must be on your eligible policy.
Top Scholar Discount
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.
Youthful Driver Discount
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.
Auto
Paperless Discount
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.
Full Payment Discount
Receive a 5% discount on eligible auto, home, and farm coverages 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.*
*This discount does not apply to mortgagee billed policies and will not reduce the farm policy premium below the minimum premium.
DriveTrend® Discount
Receive up to a 15%* discount on qualifying auto insurance policies by participating in DriveTrend®, the telematics mobile solution from Indiana Farm Bureau Insurance. The DriveTrend® mobile application provides information and feedback based on your driving habits. Get more info about DriveTrend discount.
* Limitations and restrictions apply; the DriveTrend® discount, ranging from 10% to 15%, is based on your driving habits.
Driver Education Discount
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. Read more information on Indiana state-approved driver education providers.
Accident Free Discount
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.
New Business Discount
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%.
Anti-Lock Braking and Passive Restraint Safety Equipment Discounts
Vehicle safety discounts are available for eligible vehicles and automatically apply based on the vehicle's VIN.
Youthful Driver Discount
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.
Multi-Car Discount
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.
Multi-Line Discounts
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 could save an additional 5% on your auto policy premium.
Top Scholar Discount
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.
Farm Rate Program
Lower rates are available to farmers for vehicles that are principally garaged on a farm.
Agribusiness Discount
A 10% Agribusiness Discount on auto insurance premiums is available to employees of qualifying companies. See the list of qualifying companies.
Auto + Life Discount
You could receive an additional 2% off your auto policy if you have a term life insurance policy, or an additional 4% if you have a whole life insurance policy.*
* In the event that a household contains both a qualifying term and qualifying whole life policy, only the maximum Auto + Life Discount would apply.
Advance Quote Discount
This discount* is available for new clients quoting eligible auto or homeowners policies. Quote must be initiated seven or more days prior to the policy effective date.
*Percentage of discount varies by how you quote and purchase.
Drive Less, Save More Discount
The Drive Less, Save More Discount can help you save up to 10% on each vehicle’s auto insurance policy premium depending on your mileage.* Learn more about the discount >>
* 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.
Farm
Paperless Discount
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.
Full Payment Discount
Receive a 5% discount on eligible auto, home, and farm coverages 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.*
*This discount does not apply to mortgagee billed policies and will not reduce the farm policy premium below the minimum premium.
Protective System Discount
Protect your home with the following and save: smoke alarm, burglar & fire alarms, dead-bolt locks and fire extinguishers.
Impact Resistant Roof Discount
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. Get more information on how you can reduce risks from hail damage and for more information about Impact-resistant roofing.
Multi-Line Discounts
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 could save an additional 5% on your auto policy premium.
Farm Rate Program
Lower rates are available to farmers for vehicles that are principally garaged on a farm.
Loyalty Discount
If you have had an in force Homeowners or Dwelling Policy with us for a minimum of one year, you could qualify to earn a Loyalty Discount. Then, the longer you have your continuously in force policy with us, the more your potential discounts can continue to grow.
Claims Experience Discount
If you have not had any recent claims, you could earn a Claims Experience Discount. The longer you continuously keep an in force Homeowners or Dwelling Policy with us and the fewer claims you have, the lower your rates could be.
Crop Hail Discount
A 10% discount will be given to any insured who has an active Rural Guardian policy with Indiana Farm Bureau Insurance.
The Peril Protection System – Water
Receive a 5% discount on your dwellings and personal property premiums if you have a water leak detection system which meets certain eligibility qualifications. These qualifications include water sensors attached to a data network which is monitored and verified on a continuous basis, connected to a call center and we can verify the system is active in your home or farm residence.
The Peril Protection System – Water Back up and Sump Overflow
Receive a 20% discount on your Water Backup and Sump Overflow endorsement premium if you have a water leak detection system which meets certain eligibility qualifications. These qualifications include water sensors attached to a data network which is monitored and verified on a continuous basis, connected to a call center and we can verify the system is active in your home or farm residence. In order to receive this discount this endorsement must be on your eligible policy.
Home
Paperless Discount
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.
Full Payment Discount
Receive a 5% discount on eligible auto, home, and farm coverages 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.*
*This discount does not apply to mortgagee billed policies and will not reduce the farm policy premium below the minimum premium.
Protective System Discount
Protect your home with the following and save: smoke alarm, burglar & fire alarms, dead-bolt locks and fire extinguishers.
Impact Resistant Roof Discount
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. Get more information on how you can reduce risks from hail damage and for more information about Impact-resistant roofing.
Multi-Line Discounts
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 could save an additional 5% on your auto policy premium.
Loyalty Discount
If you have had an in force Homeowners or Dwelling Policy with us for a minimum of one year, you could qualify to earn a Loyalty Discount. Then, the longer you have your continuously in force policy with us, the more your potential discounts can continue to grow.
Claims Experience Discount
If you have not had any recent claims, you could earn a Claims Experience Discount. The longer you continuously keep an in force Homeowners or Dwelling Policy with us and the fewer claims you have, the lower your rates could be.
The Peril Protection System – Water
Receive a 5% discount on your dwellings and personal property premiums if you have a water leak detection system which meets certain eligibility qualifications. These qualifications include water sensors attached to a data network which is monitored and verified on a continuous basis, connected to a call center and we can verify the system is active in your home or farm residence.
The Peril Protection System – Water Back up and Sump Overflow
Receive a 20% discount on your Water Backup and Sump Overflow endorsement premium if you have a water leak detection system which meets certain eligibility qualifications. These qualifications include water sensors attached to a data network which is monitored and verified on a continuous basis, connected to a call center and we can verify the system is active in your home or farm residence. In order to receive this discount this endorsement must be on your eligible policy.
Life
Auto + Life Discount
You could receive an additional 2% off your auto policy if you have a term life insurance policy, or an additional 4% if you have a whole life insurance policy.*
* In the event that a household contains both a qualifying term and qualifying whole life policy, only the maximum Auto + Life Discount would apply.
Renters
Paperless Discount
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.
Full Payment Discount
Receive a 5% discount on eligible auto, home, and farm coverages 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.*
*This discount does not apply to mortgagee billed policies and will not reduce the farm policy premium below the minimum premium.
