State Farm Auto Discounts Exam Questions
and Answers
Good Driving Discount (GDD)
No moving violations or at fault accidents within 3 years. (Excludes nonmoving violations like seatbelt
ticket, parking ticket)
Good Student Discount (GSD)
Under the age of 25 and above 3.0 while full time student or taking 12+ credits per semester.
Steer Clear Discount (SCD)
Under age of 25 and has no moving violation tickets or at fault accidents in last 3 years.
Accident Free Discount (AFD 3, 6, 10 year)
No prior accidents under prior State Farm policy and no tickets or accidents for 3, 6, or 10 years while
policy was enforced. Will most likely have to contact Auto Underwriting to get info.
No Dependent Discount (NDD)
Has no dependent, does not file as having a dependent on taxes.
(Not married or kids)
Low Income Discount (LINC)
Earns less than $500 month on average of earned income.
(Retirement, unemployment, college stipend, internship doesn't count as earned income)
Drive Safe and Save (DSS)
Device monitors driving, records time of day vehicle is driven, blinker usage, stopping, acceleration
and speed over 80mph. Get up to 5% discount and could qualify up to 30% after 6 months of
information is analyzed.
(Must have compass, speedometer, and downloaded app)
Wage Loss Waiver (WLW)
Over the age of 60, not currently working so State Farm would not need to cover lost wages in an
event of an auto accident.
Anti-Theft Discount (ATD)
Pulls through VIN of vehicle, rule of thumb: 5% if vehicle is 1999 or older and 10% if vehicle is 2000 or
newer.
Multi-Car Discount
Discount for having more than 1 vehicle insured with State Farm within the same household.
(Must be named relative in the same household).
Multi-Line Discount (MLD)
Having more than one insurance with State Farm.
and Answers
Good Driving Discount (GDD)
No moving violations or at fault accidents within 3 years. (Excludes nonmoving violations like seatbelt
ticket, parking ticket)
Good Student Discount (GSD)
Under the age of 25 and above 3.0 while full time student or taking 12+ credits per semester.
Steer Clear Discount (SCD)
Under age of 25 and has no moving violation tickets or at fault accidents in last 3 years.
Accident Free Discount (AFD 3, 6, 10 year)
No prior accidents under prior State Farm policy and no tickets or accidents for 3, 6, or 10 years while
policy was enforced. Will most likely have to contact Auto Underwriting to get info.
No Dependent Discount (NDD)
Has no dependent, does not file as having a dependent on taxes.
(Not married or kids)
Low Income Discount (LINC)
Earns less than $500 month on average of earned income.
(Retirement, unemployment, college stipend, internship doesn't count as earned income)
Drive Safe and Save (DSS)
Device monitors driving, records time of day vehicle is driven, blinker usage, stopping, acceleration
and speed over 80mph. Get up to 5% discount and could qualify up to 30% after 6 months of
information is analyzed.
(Must have compass, speedometer, and downloaded app)
Wage Loss Waiver (WLW)
Over the age of 60, not currently working so State Farm would not need to cover lost wages in an
event of an auto accident.
Anti-Theft Discount (ATD)
Pulls through VIN of vehicle, rule of thumb: 5% if vehicle is 1999 or older and 10% if vehicle is 2000 or
newer.
Multi-Car Discount
Discount for having more than 1 vehicle insured with State Farm within the same household.
(Must be named relative in the same household).
Multi-Line Discount (MLD)
Having more than one insurance with State Farm.
