The Perks Of Accident Forgiveness With Farmers Insurance

Farmers Insurance offers accident forgiveness to eligible customers, which can help prevent a policy surcharge following an at-fault accident once every three years. This is a popular policy add-on that helps protect drivers from steep insurance rate hikes that can follow an at-fault accident. While not every Farmers customer qualifies for accident forgiveness, it is an optional add-on for eligible customers and is automatically applied to their car insurance policies.

Accident forgiveness eligibility requirements

Accident forgiveness is not available to all Farmers Insurance customers. To be eligible, you must meet certain requirements, although these vary from state to state.

In general, you must have a clean driving record over the last three to five years. This means no accidents, speeding tickets, or other minor violations, and no major violations like a DUI. You must also be a licensed US driver for at least three years. If you are under 21, you are eligible even if you have less than three years of US driving experience, as long as one of your parents qualifies.

Accident forgiveness is not available in California, Hawaii, New York, or South Carolina.

Accident forgiveness cost

Accident forgiveness is an optional add-on to your insurance policy that prevents your insurance company from increasing your premium after your first at-fault accident. It is not offered by every insurance company and some states such as California don't allow it.

Accident forgiveness is not free. It often costs drivers an additional 2% to 9% of their premium, though it varies significantly by state and insurer. Some insurers include this coverage automatically, and your premiums are automatically higher because of it.

Farmers Insurance offers accident forgiveness to eligible customers for an additional cost. Farmers accident forgiveness can prevent a policy surcharge following an at-fault accident once every three years.

To qualify for Farmers accident forgiveness, you must be a Farmers customer and a licensed U.S. driver for at least three years. Customers under 21 years old are eligible even if they have less than three years of U.S. driving experience, as long as one of their parents qualifies.

Accident forgiveness frequency

Accident forgiveness is a feature offered by some insurance companies that prevents your insurance rates from increasing after an accident. It is important to note that accident forgiveness does not erase the accident from your record, and it may not be available in all states.

Farmers Insurance offers accident forgiveness to eligible customers for an additional cost. With Farmers' accident forgiveness, you can prevent a policy surcharge following an at-fault accident once every three years. This means that Farmers will forgive one at-fault accident for every three years that you drive without an accident.

To be eligible for Farmers' accident forgiveness, you must have a clean driving record with no accidents or citations in the last three to five years. Additionally, you must be a licensed US driver for at least three years. It is important to note that accident forgiveness is not available in California, Hawaii, New York, or South Carolina.

The frequency of accident forgiveness with Farmers Insurance depends on maintaining a clean driving record. As long as you continue to meet the eligibility requirements and drive without any at-fault accidents, you can take advantage of accident forgiveness once every three years.

Accident forgiveness benefits

Accident forgiveness is a popular policy add-on that helps protect your wallet from being impacted after your first at-fault accident by waiving the surcharge that would normally be added to your insurance policy. Here are some of the benefits of Farmers Accident Forgiveness:

Avoid 40% to 60% Higher Premiums

Farmers raises insurance premiums significantly after a single at-fault accident. Generally, you can expect to pay 40% to 60% higher premiums after your first at-fault accident. After a second or third at-fault accident, Farmers could even double or triple your premiums. With accident forgiveness, you can continue paying the same low rates after your accident.

Keep Your Safe Driving Discount

After an at-fault accident, you lose your safe driving discount. With accident forgiveness, however, it’s like the accident never happened. You can keep your safe driving discount and continue paying discounted rates.

Enjoy Peace of Mind Knowing Rates Won't Increase

Everybody makes mistakes. A single mistake, however, can cost you thousands in higher insurance premiums. Many people add accident forgiveness to their policy for peace of mind. It gives them an extra sense of security when driving. They know a single mistake won’t ruin their financial situation.

Forgive One Accident Every Three Years

Most insurers offer single-use accident forgiveness. Other insurers only let you use accident forgiveness once every five to seven years. Farmers, however, lets you forgive one at-fault accident every three years. If you or someone in your household regularly causes accidents, then Farmers’ accident forgiveness may be a smart choice.

Cover Every Driver in Your House

Farmers’ accident forgiveness covers any drivers in your house permitted to drive your vehicle. You may be the world’s safest driver, but your spouse or teenage child is not. Farmers’ accident forgiveness covers every driver in your household, including any at-fault accident caused by any licensed driver.

Accident forgiveness alternatives

Accident forgiveness is a feature of some car insurance policies that prevents a policyholder's premium from increasing after a single at-fault car accident within a certain time period. It is not offered by every insurance company and may not be available in all states.

Good Driver Discounts

If you don’t qualify for accident forgiveness, you may be able to find other car insurance discounts for safe drivers. For example, Geico offers a Five-Year Accident-Free Good Driver discount, where drivers with a clean five-year driving record are eligible for up to 22% off on most coverage types.

Vanishing Deductibles

This is an optional feature that rewards safe drivers by reducing their deductible amount for claims as long as they have a continuous safe driving record. For example, The Hartford offers a Decreasing Deductible feature, which gives a $50 credit toward deductibles for every six months the policyholder is accident-free, up to $500.

Safe Driving Apps

Some insurance companies offer safe driving apps that track driving behaviour and reward safe driving with discounts. For example, Farmers Insurance offers a usage-based insurance program called Signal, which tracks driving through a smartphone app and offers a 5% discount for signing up.

Shop Around for Insurance

Insurance rates are determined by many factors, and driving behaviour is just one. It's a good idea to revisit your policy and shop for insurance quotes every one or two years to make sure you're getting the best rate.

Frequently asked questions