Farmers Insurance

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A June 10, 2016

John C. Tyler and Thomas E. Leavey knew from personal experience that farmers and ranchers experienced fewer risks with their vehicles and were entitled to preferred rates. Tyler and Leavey put up their own money and went farm to farm to gain their first policies. By 1928, they were ready to open for business out of a one-room office in downtown Los Angeles.

Today, Farmers serves more than 10 million households with more than 20 million individual policies across all 50 states through the efforts of over 50,000 exclusive and independent agents and nearly 24,000 employees.

Farmers Insurance and its subsidiaries claimed 5.09 percent of the private passenger auto insurance market as of June 2015, the most recent data available from data analyst A.M. Best. That makes Farmers the sixth-largest auto insurance carrier among the more than 1,400 tracked by Best.

What would make Farmers customers switch?

We surveyed more than 4,000 auto insurance customers about how much they would need to save before switching from their insurance companies.

  • 9% of surveyed Farmers customers say they would never switch auto insurance companies (average of 20 major companies: 10%)
  • 91% said they would switch if savings were $1,000 or more (average: 90%)
  • 85% would switch for savings of $500 or less (average: 83%)
  • 72% would switch for savings of $250 or less (average: 63%)
  • 25% would switch for savings of $100 or less (average: 30%)

Types of coverage available from Farmers

Offerings can vary by state.

  • Auto
  • Ridesharing endorsement
  • Collectible auto
  • Motorcycle
  • Travel trailer
  • Motorhome
  • Homeowners
  • Renters
  • Condominium
  • Mobile home
  • Specialty home
  • Umbrella liability

Farmers auto insurance discounts

Offerings can vary by state. Some features may be optional.

Homeowners discount: If you own your home you are eligible for a discounted rate on your auto insurance.

Safety equipment discount: For cars with standard safety equipment, like anti-lock brakes and restraint systems.

Bundling (multi-policy) discount:  By having more than one policy with Farmers, such as home and auto, you can receive a discount.

Multi-car: Cover more than one vehicle under the same Farmers auto policy to qualify for this additional premium discount.

Distant student:  This discount applies if a student on your policy (23 or younger) goes to school at least 100 miles away from home and doesn’t have regular access to the covered vehicle.

Teen driver:  Single licensed drivers under 19 get a discounted rate, as the child or grandchild of the primary driver on the policy.

Defensive driving: Complete a state-certified defensive driving course and earn an insurance rate discount. Please be prepared to submit your course complete certificate. Discount available to drivers of all ages. (Kentucky)

Driver training: Drivers under 21 can reduce their rates and get more experience behind the wheel by taking and passing an approved driving training course. (Kentucky)

Youthful driver: Earn this discount if you have unmarried drivers under 25 years old in your household. (In some states to qualify they must be licensed for at least one year and doesn’t apply if the child/grandchild was only disclosed as the result of a claim)

Inexperienced driver training:  If a driver in your home with less than nine years of driving experience and no traffic violations on their record completes a driver safety program a discount is given. (California)

Good student: Adding young drivers (under 25) to your policy can sometimes affect your rates. But good students are typically less risky, so Farmers discounts their coverage (for a 12-month period) if they meet one of the following academic standards:

o   Maintain a “B” average or better

o   Maintain a 3.0 (out of 4.0) grade point average or higher

o   Make Dean’s List or Honor Roll

o   Rank in the top 20% of their class, or on recognized standardized tests

Business and professional group: As a member of a business or professional group in certain states, you may be eligible for an insurance discount.  In some states, if you are a retiree of a qualifying occupation or business group the discount will also apply.

Alternative fuel:  Lower your car insurance rates when you drive a car fueled by new alternative resources, such as, electric / gasoline hybrid, electric, ethanol, methanol, compressed natural gas, or propane.

Antilock Brakes: Covered vehicles built with factory-installed, four wheel anti-lock braking systems are eligible for this premium discount.

Anti-theft:  If you have an alarm system or similar anti-theft or vehicle recovery device installed in your vehicle, like Lojack, Alert Trac, Onstar, Teletrac, or On-Guard, then you may be eligible for an additional rate discount.

Homing device: In some states, the anti-theft discount is given as a homing device discount for having a vehicle recovery device, like LoJack, in your vehicle. (New York)

VIN etching: Etching your Vehicle Identification Number (VIN) in your windshield, glass, and other required areas helps in recovering your vehicle if it or any part of it is ever stolen so a discount is offered. (New York)

Electronic stability control (ESC):  If your vehicle features factory-installed Electronic Stability Control (your car company may refer to it as Electronic Stability Program “ESP” or Dynamic Stability Control “DSC”) you may qualify for a discount off your collision coverage.

Passive restraint:  If your vehicle has factory-installed safety features like automatic seatbelts and airbags, Farmers discounts your premium.

Daytime running lights:  Having daytime running lights in your vehicle makes you eligible for an additional auto insurance discount. (New York)

New-car credit: Driving a new car, this model year or newer? You may qualify for an additional discount. (Illinois)

Early shopping: Get a quote and switch to Farmers at least seven days before the policy starts and your old policy expires to receive a discount.

Electronic funds transfer (EFT):  Get an automatic rate discount when you log in or register your account and enroll in Farmers automatic (EFT) payments.

Paying in full: Pay your full term premium in one lump sum and you’ll get a discounted rate.

Transfer: Switch your car insurance from certain standard carriers to Farmers with no lapse in coverage to get a rate discount.

Paperless: Get a discount just for enrolling in Farmers paperless policies.

Claims-free renewal: If you stay continuously insured with Farmers and drive without any moving violations or at-fault accidents, you’ll be rewarded with a rate discount at renewal time. (Kentucky)

Loyalty discount:  Policyholders who remain with Farmers for three consecutive years get a discount. (California)

Good driver:  Experienced drivers are generally less risky to cover. If you’re licensed for three years without a suspension, lapse, or failed renewal, and have had no more than 1 point on your license in the past three years, you may be eligible for a rate discount. (California)

On Your Own: Reduce your premium rate if you’re under the age of 25 and become the primary named insured on your own new policy after being on your parent’s policy for at least 12 months. (Connecticut)

Shared family car:  Reduce your premium rate when you have a driver (age 20 or younger) and more active drivers than vehicles in the household. (Connecticut)

Good payer: Make all your premium payments on time with no late fees for 12 months and Farmers will lower your rates. (Connecticut)

Active military: In Louisiana, Farmers rewards all active military personnel permanently based in Louisiana are eligible for a discount, even if they’re deployed out of state or overseas.

Senior defensive driving:  If you are 55 or older and successfully complete a Department of Motor Vehicles-approved driver safety course, you may be eligible for a discount.

Mature driver:  In certain states, drivers over a certain age (55, 60 or 65 depending on the state) who’ve completed a state-approved safe driver program anytime within the past 3 years are eligible for an additional rate discount.  This discount typically applies to your bodily injury, property damage, medical payments, and collision coverage. (Alabama, Arkansas, California, Colorado, Connecticut (2 years), Idaho, Illinois, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Montana (tells what parts of the policy is discounted), Nevada, New Hampshire, New Mexico, North Dakota, Ohio, Oregon, Pennsylvania, South Dakota, Tennessee, Utah, Virginia, Vermont, Washington, Wyoming

Retirement community: Policyholders 55 years or older with a legal residence in a retirement community are eligible for this insurance rate discount. (Arizona)

Farmers claims and contact information

Not all companies/options/discounts available in all states/situations. This description is an example and is subject to change. Verify all details before purchase. Logos, trademarks and service marks are owned by the respective companies represented on this web page.

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