About 6 months ago my husband and I decided to purchase a new car. We couldn't afford a loan, but after months of saving and shopping, we ended up finding a great car.  Not only was it thousands of dollars cheaper than what we expected, it also had all the extras we wanted. We happily paid cash for it.

A week after we bought our car, we got a letter in the mail telling us it was time to renew our homeowner’s insurance membership with Farm Bureau Insurance. I had been putting it off for awhile.  I didn’t understand why we needed it. I eventually convinced myself that a simple phone call would answer my questions. When I called, a woman explained to me that through a small membership fee every year you could get products and bonuses for cheap prices. So I paid the $25 yearly fee.

Since I was worried that I had just unnecessarily spent $25, I decided to go to the website to look at some of the "bonuses" she had mentioned. According to Farm Bureau, in North Carolina, if you have been a member for at least 60 days, these are a few of the many items you can get discounts on:

  • $500 discount on new or leased select GM vehicles
  • Up to 20% discount on Choice hotels
  • OptiCare Vision plans
  • Prescription drugs
  • Grainger products
  • SafeStreetUSA home security

In case you didn't read that right, anyone that has been a member for over 60 days that buys or leases a new GM vehicle gets a $500 discount on their car purchase. THAT’S US! We had already bought our car by the time I found this information, but I wasn't about to let $500 get away that easily. I called the local office, explained the situation, and they told me to call the dealer. Luckily we had a nice dealer who forgot to give us that discount. He offered to give us back the money and said our rebate should be here within the next few weeks.

After that, I was so excited!  I had to go look at the other discounts we could get. Lo and behold, there was another one that I had missed. My husband, myself, and our friends were going to visit Biltmore Estates in Ashville next month. Tickets for the day were $45.00 a piece. I checked to see what kind of discounts they offered and was amazed. We got 4 adult tickets for $27.00 a piece. We also got 6 free audio sets that are normally $10.00 a piece. That saved us $132.00 instantly!

While I've used North Carolina to explain our situation, Farm Bureau Insurance is offered nationwide.  Every state has a different website, but they’re all pretty similar. I also found out that Farm Bureau Insurance is associated with Nationwide Insurance and Blue Cross Blue Shield Health Insurance. To find out about Farm Bureau Insurance in your state, simply do a search on your state name followed by Farm Bureau Insurance. To find your benefits look for the "membership benefits" or "membership" link.  If you scroll down to the bottom of the page there is a downloadable pdf file that shows you every offer they have. For the record, I am not affiliated with this company, nor am I receiving any kind of compensation from them. I'm simply thrilled with my savings. Here are a few of the states that I found in less than 10 minutes.

I was so worried about paying that tiny $25.00 membership fee, I almost missed out on $632.00 in discounts. It just goes to show that doing some digging into your bills can actually save you lots of money.

This has been a guest post by August from Granite Falls, NC
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How I Saved $632 Renewing My Homeowner’s Insurance Membership