Farmers Auto Insurance

• Helpful Online Resources
• Farmers® Car Shopping Service
• Good Discounts
• Farmers Friendly Review® 
• Good Coverage
• Useful App

Helpful Online Resources

Farmers offers many helpful resources online. You can learn more about car insurance, the coverages available, and how to decide how much and what kind to buy.

In addition to educational content, you can benefit from getting an online quote, managing your policy, and making claims from Farmers’ website. You can also request roadside assistance and rental car delivery. You can quickly find a good repair shop in your area by using Farmers® Guaranteed Repair Program network.

With these resources readily accessible online, you’ll be able to quickly and conveniently get the service you need.

Good Discounts

You can benefit from Farmers’ discounts on car insurance. Discounts vary by state, so be sure to check with Farmers directly to learn more about discounts available to you.

For example, in California, Farmers offers the following:

• Multi-line discount
• Business or professional group
• Multi-car
• Driver training
• Good student
• Alternative fuel
• Homeowner
• Inexperienced driver training
• Good driver
• Anti-lock brakes
• Anti-theft
• Electronic stability control
• Passive restraints (seatbelt and airbags)
• Senior Defensive Driving (age 55+ and completion of DMV-approved driver safety course)

Farmers Friendly Review® 

Even before you become a Farmers client, you can benefit from an agent’s assistance. With the Farmers Friendly Review® service, an agent will review your insurance policies and assess your needs. This review can give you confidence in the insurance you already have or help you find coverage gaps that you need to fill.

Good Coverage

Farmers auto policies can include liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, personal injury protection (PIP), towing and roadside service, and rental car reimbursement. These are common coverage offerings across car insurers. 

Farmers also offers the following coverage that you can add to your policy:

• Loss of use (flat sum for transportation while car is repaired)
• Customized equipment (coverage for aftermarket installations)
• Glass deductible buyback
• Full windshield and glass
• Original equipment manufacturer (OEM)
• New car replacement coverage (cars within the first two model years)
• Personal umbrella (liability coverage beyond what’s typically included in an auto policy)

You can also benefit from accident forgiveness coverage. For every three years you drive without an at-fault accident, you can be forgiven one at-fault accident.

Rideshare drivers can benefit from Farmers’ rideshare coverage. This option covers the gap between when your personal car insurance stops and your rideshare company’s begins.

If you have a classic or collector’s car, Farmers offers a few coverage options that will benefit you:

• Guaranteed Value™ (pays a set value if car is a total loss)
• Spare Parts (up to $750)

With such a selection of coverage, you can create a policy that meets your coverage and financial needs.

Farmers® Car Shopping Service

If you’re car is totaled, you can benefit from deals and benefits by using Farmers® Car Shopping Service offered by TRUECar. You’ll have access to a trusted network of dealers and savings on the car’s listed price. You’ll also receive other benefits and perks. However, details on these extras online is limited.

Useful App

You can use the Farmers’ app to pay your auto insurance bill, view documents, file claims, view quotes, opt into electronic delivery, get roadside assistance, and work with an agent. You can also turn on push notifications for account information. This is a full-service app, which makes your auto policy much easier to manage and access.

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• No Gap Insurance
• Must Provide Personal Information to See Quote
• Discounts Vary by State

No Gap Insurance

If you’re leasing a car or took a loan on your new car, you’ll need to get gap insurance coverage elsewhere. Gap insurance covers the remainder of your loan or lease if your car is totaled before you finished making payments. Gap insurance is valuable because you don’t have to worry about paying a loan for a car you can’t use anymore and a new car.

While it would be nice for Farmers to offer this coverage, you’re likely to get the coverage through your dealer.

Must Provide Personal Information to See Quote

To view a quote, you’ll need to provide personal information like your car’s VIN, your driver’s license, and your address. While this is much more personal information than required in other industries, it’s necessary information for getting a quote and is standard practice in the industry.

Discounts Vary by State

Farmers’ discounts vary by state. While it would be nice to have more consistency, you can learn more about discounts available to you when you work with Farmers directly.