3 Star Discount State Farm Details

State Farm is one of the largest insurance providers in America. State farm has been around since 1922 and provides car, home, life, health and other types of insurance to consumers. They are best known for their commercials with the gecko that says “Like a good neighbor State Farm is there” The company has had an up-and-down recent history but they still have over 100 million customers worldwide. In 2016, State Farm was ranked as one of Fortune's "100 Best Companies to Work For".

Listed below are some particulars about 3 star discount state farm. This page provides information about the form's size, finalization time, and the areas you'll be expected to fill.

QuestionAnswer
Form Name3 Star Discount State Farm
Form Length5 pages
Fillable?No
Fillable fields0
Avg. time to fill out1 min 15 sec
Other namesstate farm two star discount, star discount, what is the 3 star discount with state farm, 3 star discount state farm

Form Preview Example

ACCIDENT/VIOLATION DISCOUNTS฀AND฀SURCHARGES

State฀Farm฀Fire฀and฀Casualty฀Company

Applicable฀to฀Vehicles฀Rated฀ As฀Private฀Passenger฀Cars

Effective฀July฀15,฀2005฀New฀Business Effective฀August฀15,฀2005฀Renewals

(continued฀inside)

Like฀a฀good฀neighbor,฀State฀Farm฀is฀there.®

STATE฀FARM฀FIRE฀AND

CASUALTY฀COMPANY

Home฀Office:฀฀

Bloomington,฀IL฀฀61710-0001

7/05฀(C)฀฀฀ ฀

฀฀฀฀฀฀

฀฀฀฀฀฀฀฀฀฀฀153-4255฀MN.7

The฀following฀discounts฀and฀surcharges฀apply฀ based฀upon฀the฀drivers’฀chargeable฀accidents฀and฀ violations.฀฀฀

3-STAR฀DISCOUNT฀–฀The฀3-Star฀Discount฀applies฀ if฀the฀assigned฀drivers฀have฀had฀no฀at-fault฀accidents฀ or฀minor฀violations฀during฀the฀past฀three฀years฀ and฀no฀major฀violations฀during฀the฀past฀five฀years.฀ There฀must฀also฀be฀at฀least฀one฀driver฀who฀has฀ been฀licensed฀for฀three฀years฀and฀the฀household฀ vehicles฀must฀not฀have฀been฀driven฀without฀liability฀ insurance฀in฀violation฀of฀any฀financial฀responsibility฀ or฀compulsory฀insurance฀requirement.฀฀

The฀3-Star฀Discount฀will฀continue฀to฀apply฀as฀ long฀as฀the฀drivers฀do฀not฀have฀any฀violations฀or฀ chargeable฀accidents.฀฀Otherwise,฀the฀smaller฀

2-Star฀Discount฀will฀apply,฀and฀a฀surcharge฀may฀ also฀apply.

2-STAR฀DISCOUNT฀–฀If฀the฀3-Star฀Discount฀ doesn’t฀apply,฀the฀2-Star฀Discount฀applies฀ if฀the฀insured฀vehicle฀has฀not฀been฀driven฀ without฀liability฀insurance฀in฀violation฀of฀any฀ financial฀responsibility฀or฀compulsory฀insurance฀ requirement฀during฀the฀past฀year.฀฀The฀premiums฀ for฀the฀2-Star฀Discount฀level฀are฀20%฀higher฀than฀ the฀premiums฀for฀the฀3-Star฀Discount฀level฀for฀ Liability,฀Personal฀Injury฀Protection,฀Compre– hensive,฀and฀Collision฀Coverages,฀36%฀higher฀ for฀Uninsured฀and฀Underinsured฀Motor฀Vehicle฀ Coverages,฀and฀59%฀higher฀for฀all฀other฀coverages.

DRIVER฀RECORD฀SURCHARGES฀–฀Major฀ violations,฀minor฀violations,฀and฀chargeable฀ accidents฀incurred฀by฀the฀drivers฀of฀the฀vehicle฀ may฀result฀in฀surcharges฀applied฀to฀Liability,฀ Personal฀Injury฀Protection,฀and฀Collision฀Coverage฀ premiums.฀฀The฀surcharge฀depends฀on฀the฀number฀ and฀timing฀of฀the฀accidents฀or฀violations,฀and฀will฀ remain฀in฀effect฀for฀up฀to฀three฀years.

–฀1฀–

–฀2฀–

At-fault฀accidents฀are฀those฀for฀which฀State฀Farm®฀ made฀payments฀under฀the฀Property฀Damage฀ Liability฀or฀Collision฀Coverage.฀฀In฀the฀event฀of฀ a฀multiple฀vehicle฀accident,฀a฀property฀damage฀ liability฀payment฀must฀have฀been฀made.฀฀An฀at- fault฀accident฀is฀considered฀chargeable฀when฀ the฀Company฀has฀paid฀$750฀or฀more฀under฀ the฀Property฀Damage฀Liability฀and฀Collision฀ Coverages฀combined.฀฀(For฀accidents฀occurring฀ prior฀to฀April฀1,฀1999,฀payments฀of฀$400฀or฀more฀ under฀Property฀Damage฀Liability฀or,฀in฀the฀event฀of฀ a฀single฀car฀collision,฀under฀Collision฀Coverage.)฀

An฀accident฀that฀occurred฀within฀the฀three฀years฀ prior฀to฀the฀date฀of฀application฀will฀be฀considered฀ at-fault฀if฀it฀resulted฀in฀death฀or฀bodily฀injury฀ or฀damage฀to฀any฀property.฀฀An฀at-fault฀accident฀ is฀considered฀chargeable฀if฀it฀resulted฀in฀death฀ or฀bodily฀injury฀or฀damage฀to฀any฀property฀in฀ the฀amount฀of฀$750฀or฀more฀($400฀or฀more฀for฀ accidents฀which฀occurred฀prior฀to฀April฀1,฀1999).฀

A฀multiple฀vehicle฀accident฀will฀not฀be฀considered฀ at-fault,฀nor฀chargeable,฀if฀the฀driver฀was฀less฀than฀ 50%฀liable.

For฀accidents฀that฀occurred฀prior฀to฀the฀date฀of฀ application,฀the฀accident฀will฀not฀be฀considered฀ at-fault,฀nor฀chargeable,฀if:฀(1)฀the฀accident฀was฀ caused฀by฀contact฀with฀birds,฀animals,฀missiles,฀or฀ falling฀objects,฀or฀(2)฀the฀car฀was฀lawfully฀parked,฀ or฀(3)฀the฀operator฀of฀the฀car฀has฀been฀reimbursed฀ by,฀or฀on฀behalf฀of,฀a฀person฀responsible฀for฀the฀ accident฀or฀has฀a฀judgment฀against฀such฀person,฀ or฀(4)฀the฀car฀was฀struck฀in฀the฀rear฀by฀another฀ vehicle฀and฀the฀operator฀of฀the฀struck฀vehicle฀has฀ not฀been฀convicted฀of฀a฀moving฀traffic฀violation฀ in฀connection฀with฀the฀accident,฀or฀(5)฀the฀car฀was฀ struck฀by฀a฀“hit-and-run”฀vehicle฀if฀the฀accident฀is฀ reported฀to฀the฀proper฀authorities฀within฀24฀hours,฀ or฀(6)฀the฀operator฀was฀not฀convicted฀of฀a฀moving฀ traffic฀violation฀in฀connection฀with฀the฀accident,฀ but฀the฀operator฀of฀the฀other฀vehicle฀involved฀in฀the฀

accident฀was฀convicted฀of฀a฀moving฀traffic฀violation,฀ or฀(7)฀the฀operator฀was฀operating฀a฀vehicle฀of฀a฀type฀ not฀eligible฀for฀rating฀under฀this฀Plan,฀or฀(8)฀the฀ insurer฀recovered฀80%฀or฀more฀of฀the฀insurer’s฀loss฀ through฀subrogation฀when฀it฀was฀a฀collision฀loss,฀ or฀(9)฀the฀accident฀resulted฀in฀a฀payment฀under฀ Personal฀Injury฀Protection฀or฀Additional฀Personal฀ Injury฀Protection฀Coverage฀and฀no฀payment฀is฀ made฀under฀the฀Liability฀or฀Collision฀Coverages,฀ unless฀the฀accident฀is฀a฀single฀vehicle฀accident฀in฀ which฀damage฀to฀property฀occurs.

Major฀violations฀include:฀(1)฀driving฀a฀motor฀ vehicle฀under฀the฀influence฀of฀intoxicants฀or฀drugs,฀

(2)฀manslaughter฀(whether฀or฀not฀“involuntary”),฀ reckless฀homicide฀or฀felonious฀assault฀arising฀out฀ of฀the฀use฀of฀a฀motor฀vehicle,฀(3)฀reckless฀driving฀ which฀results฀in฀an฀injury฀to฀a฀person,฀(4)฀failure฀to฀ stop฀and฀report฀or฀identify฀oneself฀when฀involved฀ in฀a฀motor฀vehicle฀accident,฀(5)฀operating฀a฀motor฀ vehicle฀without฀a฀valid฀operator’s฀license฀or฀during฀ a฀period฀of฀revocation฀or฀suspension฀of฀motor฀ vehicle฀registration฀or฀operator’s฀license,฀and฀(6)฀ operating฀a฀motor฀vehicle฀without฀the฀owner’s฀ authority฀if฀such฀operation฀results฀in฀a฀felony.

Minor฀violations฀include฀traffic฀law฀offenses฀ for฀speeding,฀stop฀sign฀and฀signal฀infractions,฀ improper฀turns,฀failure฀to฀yield฀right฀of฀way,฀and฀ similar฀offenses.฀฀A฀minor฀violation฀shall฀not฀be฀ counted฀as฀a฀separate฀incident฀if฀it฀occurred฀in฀ connection฀with฀a฀chargeable฀accident.฀฀If฀any฀ violation฀is฀subsequently฀dismissed,฀it฀will฀no฀ longer฀be฀considered฀a฀chargeable฀violation.

–฀3฀–

–฀4฀–

Each฀driver฀is฀assigned฀a฀Driver฀Record฀Level฀(DRL)฀based฀on฀their฀chargeable฀accidents฀and฀violations฀during฀ the฀past฀three฀years.฀฀If฀there฀were฀no฀chargeable฀accidents฀or฀violations,฀the฀Driver฀Record฀Level฀is฀Level฀1.฀฀ Otherwise,฀the฀DRL฀is฀increased฀as฀shown฀below฀for฀each฀chargeable฀accident฀and฀violation:

฀฀฀฀฀฀Incident฀

Initial฀Year฀

Second฀Year฀

Third฀Year

 

 

 

 

Minor฀Violation฀

+2฀levels฀

+1฀level฀

+0฀levels

 

 

 

 

Chargeable฀Accident฀

+3฀levels฀

+2฀levels฀

+1฀level

 

 

 

 

Major฀Violation฀

+5฀levels฀

+4฀levels฀

+3฀levels

 

 

 

 

If฀the฀incident฀occurred฀prior฀to฀the฀date฀of฀application,฀the฀DRL฀will฀be฀adjusted฀as฀if฀the฀incident฀had฀ occurred฀within฀one฀year฀prior฀to฀the฀date฀of฀application,฀and฀will฀decrease฀for฀each฀year฀the฀incident฀is฀ surcharged.฀฀However,฀the฀DRL฀will฀not฀be฀affected฀by฀an฀incident฀when฀the฀incident฀occurred฀at฀least฀three฀ years฀prior฀to฀the฀effective฀date฀of฀the฀current฀renewal.

The฀Driver฀Record฀Surcharge฀for฀each฀individual฀driver฀is฀based฀on฀their฀Driver฀Record฀Level,฀as฀shown฀in฀the฀ following฀table:

Driver฀Record฀Level฀

Driver฀Record฀Surcharge

 

 

 

1฀

0%

 

 

 

2฀

0%

 

 

 

3฀

0%

 

 

 

4฀

15%

 

 

 

5฀

50%

 

 

 

6฀

60%

 

 

 

7฀

70%

 

 

 

8฀

90%

 

 

 

9฀

110%

 

 

 

10*฀

140%

 

 

 

฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀*฀Plus฀50%฀for฀each฀additional฀level฀above฀10

The฀accident฀surcharges฀apply฀to฀the฀vehicle฀the฀driver฀is฀assigned฀to฀rather฀than฀the฀vehicle฀involved฀in฀the฀ accident.฀฀

Surcharges฀will฀be฀removed฀if฀satisfactory฀evidence฀is฀furnished฀that฀the฀driver฀involved฀is฀no฀longer฀a฀member฀ of฀the฀household฀or฀will฀not฀be฀driving฀the฀car฀in฀the฀future.฀฀If฀that฀driver฀is฀insured฀on฀another฀State฀Farm฀ policy,฀the฀accident฀or฀violation฀will฀be฀considered฀in฀the฀rating฀of฀that฀policy.

–฀5฀–

The฀following฀chart฀illustrates฀the฀surcharges฀that฀apply฀if฀one฀driver฀had฀the฀listed฀driving฀records.฀฀When฀more฀ than฀one฀driver฀is฀assigned฀to฀a฀vehicle,฀the฀Driver฀Record฀Surcharge฀for฀each฀driver฀is฀added฀together฀to฀determine฀ the฀total฀surcharge.฀฀For฀example,฀if฀one฀driver฀of฀the฀vehicle฀had฀an฀accident฀in฀the฀past฀year฀and฀another฀driver฀of฀ the฀vehicle฀had฀a฀minor฀violation฀the฀surcharge฀for฀the฀initial฀year฀would฀be฀15%฀(=฀15%฀+฀0%).฀฀

฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀Surcharges

฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀Driving฀Record

Initial฀Year฀ Second฀Year฀

Third฀Year

 

 

 

 

1฀minor฀violation

0%฀

0%฀

0%

 

 

 

 

1฀chargeable฀accident฀

15%฀

0%฀

0%

 

 

 

 

1฀major฀violation฀

60%฀

50%฀

15%

 

 

 

 

2฀minor฀violations

 

 

 

฀฀฀฀Both฀occurred฀within฀past฀year฀

50%฀

0%฀

0%

฀฀฀One฀within฀past฀year฀&฀other฀one฀1฀year฀ago฀

15%฀

0%฀

0%

฀฀฀One฀within฀past฀year฀&฀other฀one฀2฀years฀ago฀

0%฀

0%฀

0%

 

 

 

 

2฀chargeable฀accidents฀

 

 

 

฀฀฀Both฀occurred฀within฀past฀year฀

70%฀

50%฀

0%

฀฀฀One฀within฀past฀year฀&฀other฀one฀1฀year฀ago฀

60%฀

15%฀

0%

฀฀฀One฀within฀past฀year฀&฀other฀one฀2฀years฀ago฀

50%฀

0%฀

0%

 

 

 

 

1฀chargeable฀accident,฀1฀minor฀violation

 

 

 

฀฀฀Both฀occurred฀within฀past฀year฀

60%฀

15%฀

0%

฀฀฀One฀within฀past฀year฀&฀other฀one฀1฀year฀ago฀

50%฀

0%฀

0%

฀฀฀One฀within฀past฀year฀&฀other฀one฀2฀years฀ago฀

15%฀

0%฀

0%

 

 

 

 

1฀chargeable฀accident,฀1฀major฀violation

 

 

 

฀฀฀Both฀occurred฀within฀past฀year฀

110%฀

70%฀

50%

฀฀฀Major฀violation฀within฀past฀year฀&฀accident฀1฀year฀ago฀

90%฀

60%฀

15%

฀฀฀Major฀violation฀within฀past฀year฀&฀accident฀2฀years฀ago฀

70%฀

50%฀

15%

฀฀฀Accident฀within฀past฀year฀&฀major฀violation฀1฀year฀ago฀

90%฀

60%฀

0%

฀฀฀Accident฀within฀past฀year฀&฀major฀violation฀2฀years฀ago฀

70%฀

0%฀

0%

 

 

 

 

1฀minor฀and฀1฀major฀violation

 

 

 

฀฀฀Both฀occurred฀within฀past฀year฀

90%฀

60%฀

15%

฀฀฀Major฀violation฀within฀past฀year฀&฀minor฀1฀year฀ago฀

70%฀

50%฀

15%

฀฀฀Major฀violation฀within฀past฀year฀&฀minor฀2฀years฀ago฀

60%฀

50%฀

15%

฀฀฀Minor฀violation฀within฀past฀year฀&฀major฀1฀year฀ago฀

70%฀

50%฀

0%

฀฀฀Minor฀violation฀within฀past฀year฀&฀major฀2฀years฀ago฀

60%฀

0%฀

0%

Additional฀surcharges฀apply฀for฀a฀higher฀number฀of฀incidents.

–฀6฀–

The฀following฀table฀shows฀some฀examples฀of฀how฀the฀accident฀surcharge฀works.฀฀These฀examples฀are฀not฀based฀ on฀actual฀premium฀amounts฀and฀consider฀only฀the฀effect฀of฀accident฀surcharges.฀฀We฀have฀assumed฀that฀the฀ policyholder฀has฀the฀accident฀records฀indicated฀and฀that฀the฀policyholder฀qualifies฀for฀the฀3-Star฀Discount฀in฀ the฀no-accident฀example.

A.฀ One฀vehicle฀insured.

฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀Premium฀including฀฀฀฀฀฀฀฀฀฀฀฀฀Premium฀including฀

฀฀฀฀฀฀฀฀฀฀฀Coverage฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀Premium฀with฀฀฀฀฀฀฀฀฀฀฀฀฀surcharge฀for฀one฀

surcharge฀for฀two

฀฀฀฀฀฀฀฀฀฀฀฀

no฀accidents฀

chargeable฀accident*฀

chargeable฀accidents*

Bodily฀Injury,

฀฀฀Property฀Damage฀

฀$฀฀80฀

$฀฀96฀

-฀

$110฀

$฀฀96฀

-฀

$163

Uninsured฀Motorist฀

฀฀฀฀฀฀5฀

7฀

-฀

7฀

7฀

-฀

7

Personal฀Injury฀Protection฀

฀฀฀฀40฀

48฀

-฀

55฀

48฀

-฀

82

 

 

 

 

 

 

 

 

Comprehensive฀

฀฀฀฀25฀

30฀

-฀

30฀

30฀

-฀

30

Collision฀

฀฀฀฀50฀

60฀

-฀

69฀

60฀

-฀

102

TOTAL฀PREMIUM฀

$200฀

$241฀

-฀

$271฀

$241฀

-฀

$384

B.฀ Two฀vehicles฀insured.฀฀Accidents฀chargeable฀to฀the฀principal฀operator฀of฀vehicle฀number฀one,฀while฀ operating฀vehicle฀number฀one.

฀1.฀฀฀VEHICLE฀NUMBER฀ONE

฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀Premium฀including฀฀฀฀฀฀฀฀฀฀฀฀฀฀Premium฀including฀

฀฀฀฀฀฀฀฀฀฀฀฀Coverage฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀Premium฀with฀฀฀฀฀฀฀฀฀฀฀฀฀surcharge฀for฀one฀

surcharge฀for฀two

฀฀฀฀฀฀฀฀฀฀฀฀

no฀accidents฀

chargeable฀accident*฀

chargeable฀accidents*

Bodily฀Injury,

฀฀฀Property฀Damage฀

฀$฀฀80฀

$฀฀96฀

-฀

$110฀

$฀฀96฀

-฀

$163

Uninsured฀Motorist฀

฀฀฀฀฀฀5฀

7฀

-฀

7฀

7฀

-฀

7

 

Personal฀Injury฀Protection฀

฀฀฀฀40฀

48฀

-฀

55฀

48฀

-฀

82

Comprehensive฀

฀฀฀฀25฀

30฀

-฀

30฀

30฀

-฀

30

 

Collision฀

฀฀฀฀50฀

60฀

-฀

69฀

60฀

-฀

102

TOTAL฀PREMIUM฀

$200฀

$241฀

-฀

$271฀

$241฀

-฀

$384

฀2.฀฀฀VEHICLE฀NUMBER฀TWO

฀฀฀฀฀฀฀฀฀฀฀฀฀Premium฀including฀฀฀฀฀฀฀฀฀฀฀฀฀฀Premium฀including฀

฀฀฀฀฀฀฀฀฀฀฀฀Coverage฀

฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀Premium฀with฀฀฀฀฀฀฀฀฀฀฀฀฀surcharge฀for฀one฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀surcharge฀for฀two

 

฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀฀no฀accidents฀฀฀฀฀฀฀฀฀฀฀฀฀chargeable฀accident฀

chargeable฀accidents

Bodily฀Injury,

฀฀฀Property฀Damage฀

฀$120฀

฀$120฀

฀$120

Uninsured฀Motorist฀

฀฀฀฀฀฀5฀

฀฀฀฀฀฀5฀

฀฀฀฀฀฀5

Personal฀Injury฀Protection฀

฀฀฀฀60฀

฀฀฀฀60฀

฀฀฀฀60

Comprehensive฀

฀฀฀฀40฀

฀฀฀฀40฀

฀฀฀฀40

Collision฀

฀฀฀฀75฀

฀฀฀฀75฀

฀฀฀฀75

TOTAL฀PREMIUM฀

$300฀

$300฀

$300

*฀ The฀surcharge฀decreases฀each฀year.฀฀For฀the฀two฀accident฀example,฀the฀surcharge฀depends฀on฀the฀timing฀of฀the฀accidents.

–฀7฀–

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