Henstein Insurance Agency
Your Local Farmers Insurance Rep - St Louis Park MN

Discounts - Scott Henstein

Farmers Insurance Agent in St Louis Park, MN

Minnesota Insurance Discounts - Adding Products Can Help You Save

Ask how you can save on your home or auto insurance in Minnesota: When you purchase more than one insurance policy from Farmers®, you may qualify for discounts. Find out if adding new coverage will help you save.

Auto Insurance - Minnesota Insurance Discounts

Discounts for the Family

Multi-line Discounts – Combine multiple Farmers policies for total quality coverage and additional savings. Earn multi-policy discount when you have Farmers Auto coverage with any of the other following policies: Home, Condo, Renters, Mobile Home / Specialty Dwelling
Farmers Specialty (Motorcycle, boat, motor home, etc.), Life

Signal® by Farmers - Sign up, download and use the Signal app and you’ll receive a 5% discount on your auto policy, with an opportunity to earn up to 15% each time you renew your policy. You can save an additional 10% if you have a young driver in your household. Learn more about Signal® by Farmers

Distant Student – If your child goes away for school more than 100 miles from your home, does not have regular access to your covered car, and meets age limits, you may be eligible for this discount.  Check with your local Farmers agent for details.

Multi-car – Get this discount when you cover more than one car under the same Farmers Insurance policy.

Teen Driver – If you’ve had a Farmers Auto policy for 2 years or more, and want to add a single licensed child or grandchild (under 19) to your policy, we can lower your rates.

Planning Ahead Discounts

Alternative Fuel – Farmers offers discounts for driving alternative fuel, hybrid, and electric cars! So save at the pump and on your auto insurance when you go green.

Electronic Funds Transfer (EFT) – Select Automatic Electric Fund Transfers as your preferred payment method and you’ll never miss a payment again! Plus we’ll discount your rate.

Pay In Full – If you choose to pay your entire premium in one installment this term, we can discount your entire premium.

Transfer – If you switch your auto insurance from certain standard carriers to Farmers with no lapse in coverage, we reward you with a rate discount.

Homeowner – Minnesota policyholders are eligible for an additional discount if they own their home.

Classroom Discounts

Good Student – Students under 25 get a discount on their auto insurance when they get good grades in school. This discount applies to students that meet one of the following criteria:

High school students with at least “B” average
College students with a 3.0 (out of 4.0) grade point average or higher
Dean’s List or Honor Roll students
Students ranked in the top 20% of their class or in the top 20% in national standardized tests

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

Mature Driver – Drivers 55 and older can successfully complete a state-recognized defensive driving course to receive this discount on their auto insurance. The discount is valid for 3 years after finishing the course.

Home Insurance - Minnesota Insurance Discounts

Discounts for the Household

Multi-line Discounts – Carry multiple Farmers policies and save across the board. Cover your Home, along with your Auto insurance and/or Life insurance to qualify for multi-policy discounts.

Home Upkeep Discounts

Home Renovation – Discounts are available to homeowners who have recently renovated their heating and electrical or plumbing systems.

New Home – If your home was built within the past 13 years, you’re eligible for this added discount.

U L Approved Roofing Materials – Roofs made of impact resistant materials, approved and tested by Underwriting Laboratories, like asphalt shingles or asphalt fiberglass, may qualify for this discount.

Home Safety Discounts

Home Safety – Earn this discount if your home has been:

Fortified with added protection to the windows and doors and improved with connections between the roof, walls, and foundation to guard against natural disasters and extreme weather.

Equipped with Whole House Water Leak Detection to shut off the main water service when a leak is found.
ENERGY STAR or EPA Certified for energy efficiency.

LEED Certified for high-performance green homes.

Equipped with an Automatic Gas Shutoff Valve.

Protective Devices – Burglar alarms, central fire alarms, and fire protection sprinklers help to protect your home from serious risk, so Farmers rewards you with a premium discount for having them.

Rent To Own Discount

Are you a renter planning the purchase of your first home? Be sure to ask your agent about our Rent to Own discount. It’s available if you have an existing Farmers® renters policy and stay with us when choosing new home coverage.

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