Farmers Insurance And Lojack Discounts: Unlocking The Benefits

Farmers Insurance offers a wide range of discounts for auto, home, and business insurance. While Farmers Insurance does not explicitly mention LoJack discounts, they do offer anti-theft device discounts for approved tracking and location systems. LoJack is a tracking technology that helps police recover stolen vehicles. Therefore, it is likely that Farmers Insurance would approve LoJack as a qualifying anti-theft device for their anti-theft discount.

Affinity discounts for employees of certain groups or businesses

Affinity discounts are savings programs that reward customers for being part of an organization or for being employees of certain groups or businesses. These discounts are usually a result of partnerships between the insurance company and the organization, where the insurance company offers discounted rates to the organization's members, and in return, the organization encourages its members to purchase insurance from the company.

Farmers Insurance offers affinity discounts to qualifying employees, members, or retirees of certain groups or businesses. This includes discounts for those who are part of auto clubs, such as AAA, or wholesale shopping clubs like Costco or Sam's Club. Farmers Insurance has been in business for 95 years and has a strong reputation among consumers due to its network of 50,000 agents and excellent customer service.

Other insurance companies that offer affinity discounts include Direct Auto, Travelers Insurance, GEICO, and Nationwide. These companies offer discounts to members of various organizations, including alumni associations, fraternities, sororities, employee associations, and more.

To qualify for an affinity discount, you must be a member of a specific organization, work for a specific employer, or hold a particular job title that falls within the eligibility criteria. The amount saved through affinity discounts varies but is typically between 3% and 20%.

It is important to note that affinity discounts are not available in all states, and not all insurance companies offer them. However, it is worth contacting your insurer or agent to inquire about any potential discounts you may be eligible for.

Anti-theft discounts for LoJack and other protective devices

Farmers Insurance offers an anti-theft discount for customers with anti-theft devices installed in their vehicles. This discount applies to devices such as alarms and protective tools like LoJack, a technology that emits a radio frequency to help police recover your car if it's stolen. The discount also applies to other tracking and locating systems, but they must be Farmers-approved.

LoJack insurance discounts are available in most states, and customers can typically receive a discount ranging from 5% to 25% off their comprehensive coverage. The specific discount amount and eligibility criteria may vary depending on the state and insurance company. It is worth noting that not all states offer anti-theft discounts, and it is essential to check with Farmers Insurance directly to confirm the availability and eligibility requirements for any anti-theft device discounts.

In addition to the anti-theft discount, Farmers Insurance offers a range of other vehicle discounts for safety features. These include discounts for factory-installed anti-lock brakes, passive restraint devices (airbags or automatic seatbelts), daytime running lights, and VIN etching.

It is worth noting that Farmers Insurance has different discounts available in different states, and the availability of certain discounts may vary. To find out which discounts are applicable in your state and to confirm your eligibility, it is recommended to contact Farmers Insurance directly or review their website for more information.

Homeowner discounts

Farmers Insurance offers a variety of discounts for homeowners, including:

• Safety and security enhancements: Installing deadbolts and strong locks on doors and windows, as well as a security system with an outside signal and connection to the local police, can earn you a discount. A fire alarm that automatically alerts the fire department can also qualify you for a discount.
• Non-smoking household: In most states, Farmers offers a discount if all members of a household haven't smoked in the past two years, as smoking increases the risk of fire damage.
• Multi-policy discount: Purchasing multiple policy lines from Farmers, such as auto and home insurance, can result in multiline discounts on each policy.
• Career choice: Certain professionals, such as teachers, police officers, firefighters, members of the military, doctors, nurses, dentists, and engineers, may be eligible for discounts based on their career choice.
• Homeowner's status: Homeowners can receive a small discount compared to renters.
• Home age: If your home is less than 14 years old, you may be eligible for a discount.
• Fortified home: If your home has windows, walls, a roof, or a foundation fortified against natural disasters and has automatic gas or water shut-off mechanisms, you may qualify for a discount.
• Green certifications: Homes with certifications like Energy Star, EPA, or LEED may be eligible for a discount.
• Claim-free history: Home insurance customers can earn a discount for being claim-free for three consecutive years.
• Smart home system: Installing a smart home system that allows for remote monitoring and control may qualify you for a discount.
• State-specific discounts: There are also state-specific discounts, such as the California Earthquake Authority Discount for homes with earthquake insurance and a Farmers homeowners policy.

Military discounts

Farmers Insurance offers a military discount on auto insurance premiums for members of the United States Armed Forces community who are on active duty, retired, or members of the National Guard or Reserves. This discount is also available to honourably discharged military veterans.

The Farmers military discount is available to customers who are:

• Active-duty soldiers
• Active Guard Reserve soldiers
• Retired and/or honourably discharged military veterans

To apply for the Farmers military discount, you can call 1 (888) 327-6335.

In addition to the military discount, Farmers Insurance also offers a range of other discounts that may be applicable to military personnel and their families, such as:

• Multi-policy discounts for bundling home and auto insurance policies
• Multi-vehicle discounts for insuring more than one car on the same policy
• Affinity discounts for members of certain professional groups or associations, including military organisations
• Safe driver discounts for maintaining a clean driving record
• Distant student discounts for students who live away from home and don't regularly use family cars
• Good student discounts for students with good academic performance
• Anti-theft discounts for vehicles equipped with alarms and protective devices

Safe driver discounts

Safe driving can help lower your auto insurance rates. Farmers Insurance offers a safe driver discount to reward good driving habits. The discount is available to drivers with a clean driving record, free from accidents, traffic violations, and claims for three or five years. The specific requirements and discount amounts vary by state.

Farmers Insurance offers a Signal app that monitors your driving behaviour, including phone use, braking habits, and speed. It encourages safer driving habits and rewards you with an initial discount. Upon policy renewal, you can save money based on your safe driving. However, riskier driving behaviour could increase your premium at renewal.

Farmers Insurance also offers a defensive driving discount for customers who complete an approved defensive driving course. This discount is available in eligible states and can be up to 15%. The discount expires after three years, but it can be renewed by taking another course.

In addition to the safe driver discount, Farmers Insurance offers other discounts that can help lower your auto insurance premiums, such as multi-policy discounts, good student discounts, and discounts for safety features on your vehicle.

Frequently asked questions