Discounts
| Discounts Available for Automobile Policies | ||||
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Paid-in-Full Receive a 15% discount on your total automobile policy premium, excluding membership dues, when your entire policy premium is paid on or before the effective date. |
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Multi-Policy Do you have your Homeowners or Farm & Ranch policy with AFR? Well why not buy a Personal Auto policy and receive a 15% discount on your total policy automobile premium! You will also qualify for an additional 10% discount on the companion Homeowner or Farm & Ranch policy. |
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Drivers Education Drivers under the age of 23, having no more than 1 point in the previous 36 months and no at-fault accidents, who have completed a driver education course may qualify for the Drivers Education discount. |
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Good Student Students attending high school, vo-tech, college or university full time and maintaining a "B" or 3.0 grade point average may qualify for a 20% discount! *A certified statement from the school must be presented annually to AFR showing the student has met a "B" average during the immediately preceding school semester. |
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New Policy The New Policy discount of 10% will be applied to a new policy for the first term, 6 months or 12 months, of the policy! The discount is only available to new policies not previously insured with AFR in the last 6 months. |
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Multi-Car Receive a 10% discount when you insure more than 1 vehicle on the policy! *Trailers are not included in the count of vehicles and are not eligible for the discount. |
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Safe Driver Continuous coverage? Yes. Suspended license? No. Good driving experience? Yes. If so, you could be qualified for the Safe Driver discount of 15%. See your AFR Agent for more details. *This discount may replace the Drivers Education discount but cannot be given in addition to the Drivers Education discount. |
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Accident Prevention Successfully complete an AFR approved motor vehicle accident prevention course and you may be qualified for the Accident Prevention discount. *Some restrictions apply. See your local AFR Agent for a complete list of details. |
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Experience Have you had an "at-fault" accident in the last 60 months while insured with AFR? ...No? That's great...we'll give you a 20% discount! *See your nearest AFR agent for more details. Some restrictions may apply. |
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Jump!Start Not insured with AFR yet? We have a 20% discount for you if you have had continuous previous coverage for 12 months without a lapse in coverage, with a company other than AFR. |
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| Discounts Available for Homeowner and Farm & Ranch Policies | ||||
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Claims Free Had insurance on your property and never had a claim. Wow, do we have a discount for you! If you have had insurance on your property for 3 - 6 years without a claim we will give you a 5% discount, 6 years or more we will give you a 15% discount! |
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Impact Resistant Roofing Material If you have roofing material that has the UL2218 Impact Resistant Certification we will allow a 15% discount for Class 3 and a 20% discount for Class 4. Check with the manufacturer to see if your roof will qualify. Metal roofs of at least 26 gauge or thicker will qualify for the 20% discount. |
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Burglar and Fire Alarm Do you have a central station monitored burglar or fire alarm? Congratulations, you may qualify for a 5% discount for each. Don't have a central station alarm, we also allow a 3% discount for alarms that report directly to the police or fire station, or a 2% discount for a local alarm, one that just goes off at the house. |
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Multi-Policy Do you have your automobile insurance with AFR? Well why not buy your Home or Farm & Ranch policy from AFR and receive a 10% multi-policy discount on your Home or Farm & Ranch policy PLUS qualify for an additional 15% on your automobile insurance. What a deal! |
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New Home Is your home less than 12 years old? Great, you will qualify for a New Home Discount up to 33%! |
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