Farmers full coverage Auto insurance

What kinds of discounts are available for Auto insurance?
Farmers offers a variety of discounts, including discounts for selected occupational groups (doctors, RNs, dentists, teachers, police, firefighters, etc.), homeowners, good students, teens with parents who have safe driving records, drivers who own cars with air bags, drivers who own two or more automobiles, and more.

What discounts are available in my state?
In addition to discounts based on your occupational group, whether you are a homeowner, a good student, own multiple vehicles, or own a car with airbags, there is a wide range of Auto insurance discounts you may qualify for depending on what state you live in. See our comprehensive list of Auto insurance discounts by state – simply select your state to see which discounts you may be eligible for.

Bundling

Do I receive a discount for bundling my Auto insurance with other products?
When you purchase a number of different insurance products, Farmers will offer a discount for bundling to help you keep more money in your pocket. Get in touch with a Farmers agent to find out just how much a multi-line discount can save you.

What kind of discounts can I receive if I bundle?
You can save more money if you bundle multiple insurance policies with Farmers. For instance, if you’re already purchasing Auto insurance, you can get extra protection and save money with Motorcycle insurance, Home or Renters insurance, Life insurance, or Recreational Vehicle insurance. Contact your local Farmers agent today to learn about ways you can bundle and save.

Premium Questions

Why do Car insurance premiums change?
Auto insurance premiums change for the same reasons that the price of other goods and services you buy change.

Insurance companies incur the same costs you do in buying goods and services, and these costs can ultimately affect your insurance premium. Costs affecting the ultimate price of Auto insurance include:

• Medical costs to treat injuries
• Auto repair costs
• Costs to adjust claims
• Inflation
• Uninsured drivers (your policy pays when the other driver doesn't have an Auto insurance policy if you purchase Uninsured Motorist coverage)

Although insurance companies can't directly control these costs, we regularly monitor them to see how they are affecting the costs of the claims we pay. As they change, auto premiums must be adjusted. These costs can affect your Auto insurance premium whether or not you individually have had an accident or claim.

Changes you make to your Auto insurance policy or coverage may also change the premiums. Adding or removing a driver, buying a new car, moving to a new location or changing how you use your car may influence the cost of your Auto insurance.

Why did my Car insurance premium increase?
Most drivers know that tickets and accidents can raise your Car insurance premium. But even if you haven’t been in an accident or received a ticket, there are other factors that can still affect the cost of your Auto insurance.

Making a change to your policy can have an impact on your Auto insurance rate. For instance, adding a driver will likely increase the cost of the policy, especially if the new driver is a teenager. Moving to a new residence may also affect the cost of your policy – depending on the rate of traffic accidents, thefts, and vandalism claims in your geographic area, this can affect your premium either negatively or positively. Your premium may also increase if you’ve recently switched vehicles. The more your vehicle is worth, the more it will cost to insure. However, automobiles with features like anti-lock brakes, airbags, and anti-theft devices may lower your premium.

What can I do to keep my Car insurance premiums low?
In order to keep your Car insurance premiums low, you could consider driving a safer, slightly older, or less valuable vehicle. If you have a high premium but don’t want to change vehicles, you can also opt for a higher deductible and be sure to keep your policy from lapsing to keep costs down.

The easiest way to keep your rates low without changing vehicles or spending money is to maintain a safe driving record. Avoid moving violations like speeding and reckless driving. Ultimately, remember to drive the speed limit, drive cautiously, and buckle up – this will help you avoid getting ticketed, which will leave a mark on your record that typically lasts three years in most states.

What is Farmers doing to control car insurance costs?

• We have a network of reliable auto repair facilities for the highest quality repairs at competitive prices.
• We vigorously oppose frivolous lawsuits.
• We have an active Anti-Fraud Unit.
• We offer a youth driving safety education program to all parents of young drivers.
• We actively support organizations devoted to auto safety, including funding anti-drunk driving efforts and those dedicated to improving youth driving safety.
• We offer Annual policies to keep your rates stable.

What deductible should I choose?

The higher the deductible, the lower the premium – but the more you'll pay out of pocket in case of a claim. The lower the deductible, the higher the premium – but the less you'll pay if you have an insured claim.

Does the kind of car I drive influence my Auto insurance rates?

The car you drive can have a substantial impact on your Auto insurance premium, especially the amount you pay for your comprehensive and collision coverage. The insurance rates for comprehensive and collision coverage are determined by looking at the type of vehicle loss history – how often it is stolen, and how costly it is to repair or replace after an accident. Your Farmers agent can help you by letting you know which vehicles have better insurance values.

What can I do to control my Auto insurance rates?

• Insure more than one car to qualify for multi-car discounts.
• Insure your boat, motorcycle, or RV to earn additional discounts.
• Drive safely, drive less often, and maintain a clean driving record.
• Raise your deductible.
• Drive a reliable car with standard safety features like air bags, anti-lock brakes, and electronic stability control.
• Check with your Farmers agent to see if you qualify for additional Car insurance discounts.

Safe Cars

What are the safest cars to drive?
Even the safest cars are dangerous if not driven safely. However, discounts are available for drivers who drive cars with air bags, anti-lock brakes, and electronic stability control. Additionally, your Farmers agent can help you by letting you know which vehicles are better insurance values.

How does the kind of car I drive affect my insurance rate?
The kind of car you drive can impact your Car insurance rate, especially if you have comprehensive and collision coverage. Rates are based on the type of vehicle loss history – how often it’s stolen, and how expensive it is to repair or replace after a theft or accident.

Additional factors that can contribute to your Car insurance premium:

• Engine size
• Body type
• Age
• Value
• Safety and security features
• Crash-test ratings

Every car and driver is unique, and while certain standards can apply to Car insurance premiums – like cars with fewer safety features or car alarm systems typically costing more to insure, and cars with sophisticated safety features and good crash-test ratings usually being more affordable – there are a variety of exceptions.