State Farm's 3-Star Discount program reduces auto insurance premiums for drivers with a clean driving record. To qualify for the 3-Star tier, a driver must have no at-fault accidents and no chargeable minor violations in the past three years, with no major violations in the past five years. The 2-Star tier applies to drivers who meet basic insurance requirements over the past year but have a less-than-perfect record, resulting in a moderate premium reduction rather than the full discount.
Drivers who do not qualify for either discount tier are assigned surcharges based on their accident and violation history. The form categorizes violations as major, which include DUI, reckless driving, and leaving the scene of an accident, and minor, which include speeding and improper lane changes. Each at-fault accident and chargeable violation raises a driver's Driver Record Level, which directly determines the surcharge percentage added to the base premium.
This document serves as a reference guide for policyholders and agents calculating premiums for private passenger vehicles. It defines what makes an accident chargeable, lists major and minor violations with their impact periods, and explains how Driver Record Levels translate into specific surcharge amounts. Policyholders can review this form to anticipate premium changes following a traffic incident or to confirm their current discount status.
| Question | Answer |
|---|---|
| Form Name | 3 Star Discount State Farm |
| Form Length | 5 pages |
| Fillable? | No |
| Fillable fields | 0 |
| Avg. time to fill out | 1 min 15 sec |
| Other names | does state farm have accident forgiveness, accident discount state farm, state farm two star discount, is a three star discount good for state farm |
