Industry Average: 75
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
Headquartered in California, Farmers is one of the most popular car insurance providers in the US. They provide a personal, local insurance agent for every customer, which means your experience with Farmers Insurance may depend on your insurance agent. Farmers is generous with discounts, offering savings for homeowners and for individuals who drive alternative fuel vehicles, among others. The company's policyholders have access to the extensive Inner Circle network, which includes attractive services such as car shopping and roadside assistance.
Lines of Business:
When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Farmers
|Available Option||What it means|
Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident.
Loss of Use Coverage
Covers any additional living expenses, meaning any necessary expense that exceeds what you normally spend.
Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.
Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.
Original Equipment Manufacturer Coverage
Helps ensure aftermarket parts will not be used when repairs are made to your vehicle
Comprehensive Claim Forgiveness
Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident.
Antique or Collector Car Insurance
Special insurance for antique and collectors cars.
While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Farmers has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
|Available Option||What it means||Discount Data|
Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.
Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.
Anti Theft Device
This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.
How does Farmers compare to other insurance companies? Click the following links below to compare Farmers to other top insurance companies.