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State Farm Discount Double Check Review

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Joel Ohman
Founder, CFP®

UPDATED: Mar 13, 2020

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By now you’ve probably seen the “State Farm Discount Double Check” commercial on television. Well, I should say commercials because there is now a complete series of them.

They all tend to feature Green Bay Packers quarterback Aaron Rodgers being badgered by the likes of popular Saturday Night Live characters like Hans and Franz or Da Bears fans.

And they want you to take a hard look at your car insurance premium to ensure you’re getting a good deal.

Do You Have All the Discounts You Deserve?

  • Steer Clear Safe Driver discount
  • Multi-line discount
  • Accident-free discount
  • Defensive-driving course discount
  • Antitheft device discount
  • Student discount
  • Defensive driving discount

The message is pretty clear: State Farm wants to review your current insurance policy to make sure you’re getting all the discounts available to you (good student, good driver, etc). to ensure insurance rates are at their lowest.

Specifically, they want to double-check your policy to see if you qualify for up to 40% in discounts, potentially enough to make the policy with driving discounts competitive enough to switch.

For the record, that 40% figure comes from the average household savings based on a 2010 national survey of policyholders who reported savings by switching to State Farm.

There are a ton of discounts out there you may have never heard of, including some seemingly redundant ones like good driver and safe driver and accident-free driver.

That Steer Clear Safe Driver discount is an Allstate-specific one that rewards drivers 24-and-under who are accident-free and complete their “Steer Clear” course.

Of course, State Farm may not necessarily have a lower rate for you, even with a big discount (or five) factored in, but they’ll be happy to take a look regardless via the Discount Double Check program.

The ad gives the impression that every car insurer charges the same exact insurance premium for the same level of risk, and that their potential 40% discount will save you money.

But keep in mind discounts of up to 40% are relatively common nowadays on just about any auto insurance policy now that the insurance industry has become so discount-happy.

Let’s look at a hypothetical example comparing State Farm and “Insurer A” for the same driver, coverage, and liability limits:

State Farm:

$1,000 for one year of coverage (referred to as the base premium)
40% discount
$600 insurance premium

Insurer A:

$825 for one year of coverage (referred to as the base premium)
30% discount
$577 insurance premium

As you can see, discounts are only part of the overall equation. The 40% discount doesn’t get us the best price here.

In reality, you could get 80% in discounts and still wind up paying more than a base policy that is just plain cheaper. The final price matters, not the discounted price if it started in orbit.

At the end of the day, State Farm’s “Discount Double Check” is just another attempt to solicit you in the hopes they have a lower insurance premium than what you currently pay, which could be the case.

That’s not to say there isn’t a chance they can provide you with a lower rate, but State Farm can only offer you one quote because they’re a captive agent channel.

In other words, if State Farm can’t beat your current rate, your telephone conversation is essentially over.  Well, they might try to cross-sell you something else you don’t need.

Multiple Quotes May Be More Worth Your While

  • Instead of looking at discounts from one company
  • Compare quotes from top companies
  • To find the insurer willing to offer you the best coverage
  • At the lowest price possible

It may be a better use of your time to get an online insurance quote or contact an independent agent for quotes from top companies in your area.

The independent agent’s value lies in the fact that they can offer you multiple quotes, which increases your odds of getting the best coverage at the lowest possible premium, driving discounts or not.

It’s not recommended to purchase insurance based solely on price, as the lowest insurance rates may not provide the best coverage.

However, it is advised that you obtain multiple quotes from a reputable agent to ensure you get a good deal. The goal is cheap car insurance that provides all the coverage you need.

Some of the largest, most financially stable insurance companies in the world don’t have Aaron Rodgers of the Green Bay Packers as their pitchman, let alone run a single commercial on TV or the radio.

They don’t need to. Their reputation speaks for itself and the money they save by not running constant TV ads could save you money as well.

If you simply compare quotes from top advertising insurers, you may not get the discount you deserve…

Tip: State Farm’s Discount Double Check isn’t available in all U.S. states, but there is a so-called “Canada Discount Double Check” for drivers in the provinces of Alberta, Ontario, and New Brunswick.

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