Auto Insurance Discounts

Defensive Driver Discount

You may be qualified to save even more on your premium if you’ve taken a defensive driving course or a qualified Motor Vehicle Accident Prevention Course.* 

*You must have a clean driving record for three years and re-qualify every three years. You have to be 55 or older to participate in Alabama and Mississippi. In Georgia, there is not an age limit; however, you may not receive this discount in conjunction with the driver training discount.

As a membership benefit of the Alabama Farmers Federation, Alabama residents get a discounted rate for the Safe Driver Defensive Driving Course through SafeDriver.com.

Youth Honor Student

Good grades can pay off! Unmarried drivers ages 16-24 who attend school full-time (12 hours or more) may qualify by meeting at least one of the following: 

• Rank among the upper 20% of class

• Have a GPA of B or better in schools utilizing alpha grading systems

• Have a GPA of 2.0 or better in schools utilizing a numeric 3.0 system

• Have a GPA of 3.0 or better in schools utilizing a numeric 4.0 system

• Be on a Dean’s List or comparable listing for scholastic achievement

• Scholastic records must be provided.

Driver Training Discounts

Drivers ages 16 to 20 years old may receive a discount when they successfully complete an acceptable driver education course. This discount cannot be given in addition to the Youth Defensive Driving Discount, and other exclusions may apply.

Youth Defensive Driving/Safety Discount

We give qualifying, unmarried drivers ages 16 to 20 years old a discount for passing the Youth Defensive Driver or Youth Safety Test. This discount cannot be given in conjunction with any other driver training discounts.

Youth Defensive Driver Test: Alabama | Mississippi

Youth Safety Discount Test: Georgia

Educators

Teachers and professors play a vital role in shaping the next generation. We applaud your commitment to empowering future leaders. To recognize your impact, we offer a discount for those who support education.

Qualifications: 

• Must be a full-time teacher or professor employed by a public, private or vocational school, or a college or university.

• Available in Alabama and Mississippi

Military

Military service is a responsibility like no other. We offer discounts that honor the dedication of those that protect and serve. It’s our way of saying thank you for the commitment and sacrifices you make every day to keep our communities safe.

Qualifications: 

• Must be a active military personnel in Alabama, Georgia or Mississippi

First Responders

Every day, first responders rush toward challenges that most of us would avoid. Your courage makes a real difference in people’s lives. We deeply appreciate all that you do, and we’re proud to offer discounts that recognize your contributions.

Qualifications: 

• Must be an active law enforcement, firefighter, or first responder in Alabama or Mississippi

Ministers

Ministers dedicate their time and energy to serving their communities, whether officiating weddings, guiding memorials, or supporting those in need. We appreciate what you do to make a difference in the lives of others.

Qualifications: 

• Full-time ministers who pastor a place of worship and have no other occupation will be given a discount on their insurance for the vehicle used in their ministry only

• Full-time ministers of music with no other occupation will be given a discount on the vehicle they use in their ministry

• Available to ministers in Alabama and Mississippi

Farmers

Agriculture keeps us fed and fueled. It’s demanding work that comes with real risks, and we understand the challenges you face every day. We offer discounted auto insurance to help farmers protect their vehicles and safeguard their livelihood.

Qualifications: 

• The vehicle must be owned by an active farmer, principally garaged on a farm

• The policyholder must derive income from the farm operation

• The farmer must live on the farm and be regularly employed by only one farm business

• Retired farmers must be currently insured with Alfa upon retirement in order to maintain farm rates

• Available to Alabama and Mississippi farmers