Farmers Car Insurance: Coverage, Discounts & Claims

With over 90 years of experience, Farmers is a leading auto insurer known for flexible policies and quality service. This in-depth guide covers everything you need to know about Farmers insurance for your vehicles - from getting a quote to understanding coverage options, discounts, claims processes, and additional products available.

Introduction to Farmers Car Insurance

Farmers has a long history and strong reputation in the insurance industry. Here’s some background on the company and the types of auto insurance offered.

Overview of Farmers Insurance

Founded in 1928, Farmers Insurance began by solely providing auto coverage to rural policyholders. It has since grown into a national standard insurance company covering all types of insurance including home, business, life and more.

Farmers manages over $19 billion in premiums across 29 states. It’s currently the 7th largest auto insurer in the U.S. with nearly 4 million policies in force.

Types of Auto Insurance From Farmers

Farmers provides complete auto insurance options to meet state minimum requirements and give you peace of mind.

Bodily injury liability - covers injuries to other people
Property damage liability - pays for damage to others’ property
Collision - repairs to your vehicle from accidents
Comprehensive - protection against theft, vandalism, weather, fire
Uninsured/Underinsured motorist - covers injuries from uninsured or underinsured drivers
Medical payments/Personal injury protection - pays medical expenses for you and passengers
Roadside assistance - towing, tire changes, fuel delivery
Rental reimbursement - covers rental while your vehicle is repaired
Custom parts coverage - pays full value of aftermarket upgrades

Farmers agents can help you understand these coverages and select appropriate limits and deductibles.

Getting a Farmers Auto Insurance Quote

Here's what to expect when receiving Farmers quotes for your vehicles.

Factors Affecting Your Quote

Farmers uses complex proprietary models to generate quotes based on your risk profile. Key factors that increase your premiums include:

Poor credit score or lapse in prior insurance coverage
Young or inexperienced drivers on policy
High annual mileage
Expensive vehicle model, luxury car, sports car
High crime area
Spotty driving history with violations or accidents
Low insurance limits selected

Improving any high-risk factors leads to significant savings on your policy.

Online Quote Option

You can get an instant quote at Farmers.com by entering just your zip code, age, and if you own a home. More detailed quotes are available by providing additional background information online.

The quotes can be self-serviced without contacting an agent. However, agents may identify extra discounts you qualify for to further lower premiums.

Quote From a Local Agent

Connecting with a local Farmers agent allows you to have an in-depth conversation about your needs and qualifications for savings. Agents can provide quotes leveraging all their knowledge of available discounts and policy options.

This personalized service provides the most accurate price assessment for your situation. Search online for agents in your area to reach out.

Information Needed for the Most Accurate Quote

To enable Farmers agents to pinpoint your lowest possible rate, have the following handy:

Personal details - names, birth dates, driving history for all household members
Vehicles - makes/models, VINs, ownership, usage, safety features, custom equipment
Current auto insurance ID cards showing your coverage details
Accident and violation history for all drivers
Information on potential discounts like safe driving, good student, anti-theft devices

With these specifics, Farmers can return the most competitive and complete quotes tailored to you.

Farmers Auto Insurance Coverage Options

Farmers supplies flexible insurance policies. Here are some of the key coverages available.

Liability Insurance

Liability covers bodily injury and property damage to others when an accident is your fault. Limits often range from:

$50,000 bodily injury per person
$100,000 bodily injury per accident
$50,000 property damage

Higher options like 100/300/100 or 250/500/250 are available for extra premium costs. This coverage is mandatory in most states. Farmers agents can guide you on recommending liability limits.

Collision and Comprehensive Coverage

Collision pays for repairs to your vehicle when you collide with an object like another car or pole. Comprehensive covers damage from non-collisions like weather, theft, or vandalism.

You choose your deductible, typically $500 or $1,000. Higher deductibles lower your premium but mean more out-of-pocket expense per claim.

Uninsured and Underinsured Motorist

Uninsured motorist coverage protects you if injured by a driver with no insurance. Underinsured motorist kicks in when the at-fault party’s liability does not fully cover your losses.

Like liability, these are sold in split limits bundles, usually matching your liability or higher. Farmers agents explain the benefits of these add-ons.

Rental Reimbursement

If you don’t have a rental car benefit on your personal auto policy, Farmers provides the option to buy rental reimbursement coverage. This pays for a rental car out of pocket while your vehicle is inoperable due to repairs.

You select a daily limit from $30-$50 and maximum limit like $900-$1500. Agents can include this for extra peace of mind.

Discounts on Farmers Car Insurance

Farmers offers significant savings opportunities through their wide range of discounts.

Good Driver Discounts

Drivers with 3 years of clean records can earn up to 30% off with Farmers good driver discount. Maintaining accident-free driving is the easiest way to lower premiums.

Low Mileage Discounts

Driving less than 15,000 miles per year makes you eligible for up to a 30% low mileage discount. Lower mileage equates to reduced risk.

Homeowner Discounts

If you bundle your home and auto insurance with Farmers, you can receive discounts up to 20% through the multi-policy benefit.

Anti-Theft Device Discounts

Installing anti-theft measures like VIN etching, alarms, tracking systems, or vehicle immobilizers can earn up to 15% off comprehensive coverage.

Good Student Discounts

Full-time students under 25 who maintain a B average qualify for the good student discount, potentially lowering premiums up to 20%.

Make sure to inquire about every possible discount to maximize your savings with Farmers. Discounts really add up to substantial reductions.

Farmers Rental Car Insurance Coverage

Farmers auto policies include some rental car protections. Here’s how the coverage works:

Rental Reimbursement Coverage

Farmers’ rental reimbursement add-on (detailed above) covers out-of-pocket rental costs while your vehicle is repaired after a covered loss. You select limits.

Primary vs. Secondary Coverage

Liability and collision/comprehensive coverage automatically carries over to rental cars at policy limits. This acts as secondary protection behind the rental agency’s insurance.

Upgrading to primary coverage for rental cars removes limitations and makes Farmers the first payer on claims.

Overseas Rental Car Coverage

Standard Farmers auto policies extend emergency foreign country liability protection for rentals. This covers legally required liability minimums abroad.

For more complete overseas coverage, rental reimbursement and collision/comprehensive can be added by endorsement. Discuss needs with an agent.

Farmers Insurance for Teen Drivers

Insuring teen drivers is often expensive. Here’s how Farmers helps parents reduce costs.

Average Costs to Insure Teen Drivers

Due to elevated risk, parents can expect over 50% higher premiums when adding a teen to their Farmers policy. Average teen driver rates run $2500-$3500 annually.

Exact costs depend on factors like teen’s age, grades, training courses completed, and vehicle. Parents’ policy discounts also apply to lower teen premiums.

Discounts to Lower Costs

Good student discount - Up to 20% off for B average
Defensive driver discount - Cut rates by 15% for completing an approved course
Low mileage - Up to 30% off for driving less than 15,000 miles annually

Adding Teens to Parents’ Policy

The most cost-effective option is adding teens as an additional driver onto the parents’ policy to take advantage of multi-driver discounts.

Farmers also offers a Youthful Driver Merit Reward program providing policy credits as teens maintain safe driving habits. This incentive plan promotes success.

Farmers Claims Process

Understanding how claims work is an important factor when selecting insurance.

Ease of Filing Claims

Farmers offers 24/7 claims assistance and fast processing. You can file quickly over the phone, through mobile app, or online.

Trained claims reps walk you through next steps like scheduling repairs, providing documentation, and issuing payments for covered losses.

Online Claims Management

Farmers lets you conveniently track open claims and view status updates via their online portal and mobile app. You can also submit documentation needed to settle claims.

Customer Satisfaction

Surveys show Farmers customers are very satisfied overall with the claims process. Key strengths noted include proactive communication, efficient repairs, and fair claim settlements.

Alternative Farmers Auto Insurance Programs

Beyond traditional policies, Farmers offers:

Usage-Based Insurance

With Farmers Signal program, drivers can elect to install a monitoring device allowing rates based partially on actual driving habits detected. Safer driving means bigger discounts.

Rideshare Insurance

Farmers provides add-on coverages to extend personal auto insurance to popular ridesharing activities like Uber and Lyft. No coverage gaps.

Commercial Auto Insurance

Businesses relying on company vehicles can get tailored commercial auto policies from Farmers for liability, physical damage, medical payments, and other coverages.

Find a local Farmers agent to discuss these programs and get covered today.

FAQs

How can I get a car insurance quote from Farmers?

To get a car insurance quote from Farmers, you can visit their website or call their toll-free number. You'll need to provide information such as your vehicle make and model, driving history, and coverage preferences.

What discounts does Farmers offer on auto insurance?

Farmers offers various discounts on auto insurance, such as multi-policy, safe driver, good student, and mature driver discounts. They also offer discounts for certain vehicle safety features and for drivers who complete a defensive driving course.

Does Farmers provide rental car coverage?

Yes, Farmers offers rental car coverage as an optional add-on to their auto insurance policies. This coverage can help pay for a rental car while your vehicle is being repaired after a covered accident.

How much does Farmers charge to insure teenage drivers?

According to Allstate, it costs about $3,841 per year to add a teenage driver to a Farmers auto insurance policy. However, the actual cost can vary depending on factors such as the teenager's age, driving history, and location.

Can I file a Farmers insurance claim online?

Yes, Farmers allows you to file an insurance claim online through their website or mobile app. You can also file a claim by phone or through your local agent.

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