As your local Farmers agent in Houston, I can help make you smarter about insurance. Depending on your state, you may be eligible for certain discounts. For example, Teachers, Attorneys, CPAs, Police, Firefighters, Doctors, and many more are likely eligible for discounts. See how Farmers can save you money on insurance specific to Texas residents.

Auto Insurance Discounts

Learn about the different ways Farmers helps you save on great Auto insurance in Texas.

Discounts for the Family

  • Bundle Discounts - Bundle your Farmers Auto policy with any of the following Farmers products and you may earn multi-policy discounts:
    • Home
    • Renters
    • Mobile Home / Specialty Dwelling
    • Farmers Specialty (Motorcycle, boat, motor home, etc.)
    • Life
  • Business and Professional Group -If you’re employed or retired from an approved occupational group (e.g., Accountants, Educators, Engineers, Firefighters, Military, Law Enforcement, etc.), you may be eligible for this discount. Contact us to see if you qualify.
  • Distant Student - If your children go to school at least 100 miles from the home and have no regular access to the covered car, this discount can lower their rates.
  • Multi-Car - We’ll discount your rates if you cover more than one vehicle under the same Farmers Auto policy.
  • Teen Driver - Add a single licensed teen driver to your policy (your child or grandchild) and as long as you’ve had your policy in force for at least 2 years, you’ll save.

Planning Ahead Discounts

  • Alternative Fuel - Earn this special rate discount if you drive a hybrid, electric, or other new alternative fuel car.
  • Electronic Funds Transfer (EFT) - Pay your premium electronically and Farmers can discount your rate.
  • Homeowner - If you own your home you may earn this discount.
  • Pay In Full - Pay your entire term premium in one lump sum, and we’ll reduce your rates.
  • Transfer - Earn this discount when you switch to Farmers Insurance from another approved carrier and without a lapse in coverage.

Classroom Discounts

  • Good Student - Good students are good best behind the wheel. Farmers can discount your rate if any of the following apply to you:
    • High school student with at least a "B" average
    • College student with a 3.0 (out of 4.0) grade point average or higher
    • Dean's List or Honor Roll student
    • Student ranked in the top 20% of their class or in the top 20% in national standardized tests

Please be ready to submit proof of eligibility (a copy of a report card, grade-point average, etc.) when requesting this discount.

Homeowner Insurance Discounts

From the banks of the Red River to the flats of the Rio Grande, wherever home is in the Lone Star State, protect it with insurance that gives you the most coverage for your money.

Discounts for the Household

  • Affinity - Farmers has good working relationships with local businesses and professional groups. If you are employed by one of them, or even retired from one, you may qualify for an additional discount.
  • Bundle Discounts - Bundle a Farmers Home insurance policy with a Farmers Auto and/or Life insurance policy, and you may earn a discount for your premium.
  • Non-Smoker - Statistically speaking, smoking in the house can dramatically increase the chances of fire or smoke damage. That’s why Farmers offers this discount to households that have been smoke-free for the past two years.

Home Upkeep Discounts

  • Home Renovation -  If you recently renovated your home’s heating and electrical, or plumbing systems, you can receive this discount.
  • New Home - The Alamo is a pride of Texas, but newer construction also has its charms. If your home was built in the past 12 years, you can qualify for this discount.
  • New Roof - From June through August everyone in Texas is happy to sit under a good roof. If you gave your home a new roof in the past six years, you’ll be happy about this discount too.
  • UL Approved Roofing Materials -  If an object was to fall from the sky, we’d prefer you to be safe. If your roof is made out of impact-resistant materials like asphalt or fiberglass shingles that have been approved by Underwriters Laboratories, you may qualify for this discount.

Home Safety Discounts

  • Home Safety - If you’ve taken steps to improve the safety and energy efficiency of your home with features like reinforced windows and walls, water leak or gas valve shut offs, or ENERGY STAR, EPA, or LEED certification, Farmers will thank you with this discount.
  • Protective Devices - If you’ve invested in additional protective devices like a fire alarm, a security system, and/or an internal sprinkler system, Farmers can give some of your investment back with this discount.

You may be eligible for one or more of these discounts, subject to documentation. Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary. Not all products and discounts are available in every state. Please contact a Farmers agent for details.