To get a Farmers affiliation discount, you must be a member of an eligible organization or work in a qualifying occupation. Eligible professions may include teachers, police officers, lawyers, architects, and doctors, though qualifying occupations and discount amounts vary by state.
Examples of Groups Eligible for Farmers Affiliation Discounts
This list is not exhaustive, since Farmers Insurance does not publish its complete list of associated groups and professions. To see if you belong to a qualifying occupation, professional group, or other association, you can call Farmers at 1 888-327-6335.
Yes, Farmers does have a military discount on auto insurance premiums. The Farmers military discount is available to eligible members of the United States Armed Forces community. To apply, call 1 (888) 327-6335.
Farmers Military Discount Eligibility Requirements
Retired and/or honorably discharged military veterans
Yes. Farmers insurance rates are competitive. Farmers ranks 10 overall in WalletHub’s national cheap car insurance study. The average cost of a full-coverage Farmers car insurance policy is $342 per month. You can also find sample rates for six different driver profiles below.
Overall, Farmers' auto insurance rates tend to be lower than those charged by some other major insurers, including Allstate, Nationwide, and Travelers.
Farmers has earned positive reviews from customers for the way they handle repairs and claims. Farmers offers multiple discounts and quality claims support, too, but consumers should compare quotes with other major providers to make sure they get the best possible rate.
Farmers’s car insurance rates are based on your driving record and experience, along with a variety of other factors like the type of car you drive, your zip code, insurance history, and more. Your coverage and deductible choices impact the final quote, too, as do your eligibility for discounts.
Our sample quotes are representative of Farmers’s insurance prices, but individual results will vary. For example, these quotes do not take into account any Farmers discounts, which can lower premiums significantly. To learn more about how we obtained these sample quotes, check out the methodology section of our complete Farmers car insurance review.
Ultimately, knowing that Farmers is among the cheapest major auto insurance companies is only a starting point as you shop for coverage. The best car insurance for your needs must not only fit into your budget, but also provide quality coverage and excellent customer service, too.
You can lower your Farmers car insurance costs by taking advantage of Farmers discounts, opting for a higher deductible, and reducing your coverage, among other things. Farmers considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from Farmers
Use Farmers’s auto insurance discounts
Farmers offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of 20% on average if they bundle home and auto policies with Farmers . Or you can save up to 5% on your premium if you live in California and drive a vehicle that is not powered solely by gasoline.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from Farmers can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing save driving habits and avoiding moving violations can help you qualify for lower Farmers insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. Farmers even offers a 15% discount to drivers who take an approved defensive driving course.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, Farmers uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Farmers premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Farmers to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Sign up for Signal
Signal, the Farmers telematics program, rewards you for good driving with a discounted premium. Specifically, Signal tracks miles driven, braking, speed, distracted driving, and the time of day that you drive. By using Signal, drivers can save up to 30% on their rate.
Finally, if you’re still struggling to afford your Farmers policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
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