Farmers Car Insurance Quotes with coverage and discount

Farmers auto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage type	What it pays for	Required?
Bodily injury and property damage liability	Costs for injuries, deaths or property damage from an accident you caused.	Typically required.
Uninsured or underinsured motorist coverage	Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.	Often required.
Collision coverage	Repair expenses from traffic-related accidents, regardless of who's at fault.	A car loan or lease may require it.
Comprehensive coverage	Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.	A car loan or lease may require it.

Farmers also offers these types of optional coverage:

New car replacement: If your new car is totaled within the first two model years and 24,000 miles of ownership, Farmers pays to replace it with a new one.
Accident forgiveness: The insurer forgives one at-fault accident for every three years you drive without an accident, meaning your rate won’t go up.
Loss of use: When your car is in the shop or totaled after an accident, Farmers reimburses you for a rental, cabs, rideshares or public transit. Most companies’ coverage pays only for a rental car.
Customized equipment coverage: Repairs or replaces any custom parts you’ve installed in your car, such as chrome rims or a new stereo system, if they’re stolen or damaged. You must have comprehensive and collision coverage to add this to your policy.
Original equipment manufacturer coverage: Pays for replacement parts from your car’s manufacturer if you’re in a covered wreck, rather than cheaper aftermarket parts. OEM coverage is available on cars that are up to 10 years old.
Rideshare insurance: Companies such as Uber or Lyft typically provide limited liability insurance for drivers while the app is on, with full coverage that kicks in when you accept a ride and have passengers. Farmers rideshare insurance extends your personal auto policy to fill in the gaps, providing coverage between rides, so you’re always covered during your rideshare job.

Farmers’ auto insurance discounts

A farmer offers all of the standard discounts you would find at other large auto insurance companies. What makes it stand out, however, are its Business/Professional Group Discount and the Signal program, which we discuss below.

Signal by Farmers: Farmers' usage-based insurance program, Signal, gives you an automatic 5% discount when you sign up. The free mobile app uses your cellphone to track your driving behaviors.

When you renew your policy, Farmers adjusts your savings rate based on the data collected through the Signal app, up to 15%. The app gives you suggestions on how to improve your score, thereby improving your savings. Currently, the program is not available in California, Hawaii, New York or South Carolina.

Business/Professional Group Discount: If you're a member of an eligible occupation or business group, you might be eligible to receive a discount on your auto insurance. It's best to contact your agent to see if you qualify for this discount since eligibility varies by state. Below, we list common eligible occupations.

· Accountants

· Architects

· Dentists

· Educators

· Engineers

· Firefighters

· Judges/lawyers

· Librarians

· Military personnel

· Physicians

· Police

· Pilots

· Scientists

Farmers Car Insurance Quotes

Category Rating: 0% (0 out of 30)

Driver Profile	Average Quote
18-Year-Old	$203 / month
21-Year-Old	$138 / month
45-Year-Old	$89 / month
45-Year-Old with a Speeding Ticket	$122 / month
45-Year-Old with a DUI	$152 / month
55-Year-Old	$88 / month
65-Year-Old	$88 / month