The Farmers Insurance Signal App: Understanding Reset Scenarios

The Farmers Insurance Signal app is a telematics program that tracks your driving habits and rewards good drivers with a discount. The app monitors behaviours such as distracted driving, phone use, speeding, and hard braking. It gives an initial discount of 5% for signing up and then offers a potential renewal discount of up to 30% based on safe driving. The app also includes CrashAssist, which can detect if you've been in a crash and send help. While the app does not increase premiums for bad driving, it may not be ideal for those who drive at night, in heavy traffic, or who work night shifts, as it looks at the time of day when calculating discounts.

The Signal app by Farmers Insurance monitors driving behaviour, including phone use, speed, and braking habits

The Signal app by Farmers Insurance is a smartphone app that monitors driving behaviour. The app runs in the background of your phone and automatically records trips. It collects information from your mobile device's sensors, as well as signals from Wi-Fi, cellular and GPS to track trips. The driving behaviours monitored by the app include:

• Phone use: Signal can detect when you unlock your mobile device, touch the screen while the vehicle is in motion, make phone calls, respond to texts, change songs, clear notifications and adjust your navigation. It can distinguish between handheld and hands-free calls, with handheld calls docking more points.
• Braking habits: The app uses the accelerometer sensor on your mobile device to measure speed and changes in speed, determining instances of abrupt braking, speeding and tailgating.
• Speed: The app has built-in thresholds above the posted speed limit, allowing you to go faster if you choose. However, the lower the posted speed limit, the smaller the threshold.
• Time of day: The app encourages users to avoid driving during peak times, such as early morning, rush hour and late at night, as these are considered riskier times to be on the road.
• Total mileage: The app refers to the accumulation of miles driven over the course of the year.

The Signal app by Farmers Insurance offers an initial discount for signing up, as well as the potential for renewal discounts and rewards. It also includes the optional CrashAssist feature, which can detect if you've been in a crash and send help if needed.

The app offers an initial discount for signing up and a potential renewal discount for safe driving

The Farmers Signal app offers an initial discount for signing up and a potential renewal discount for safe driving. The app monitors your driving behaviour, including your braking habits, phone use, and speed. It helps you stay focused on driving by encouraging you to put down your phone and practice safer habits.

Here's how it works:

Initial Discount

When you sign up for the Signal program, you'll receive an initial discount on your auto insurance policy. The amount of the initial discount varies, but it is typically around 5%. To sign up, you need to contact your Farmers agent or customer service and then download the app from the link they provide.

Renewal Discount

In addition to the initial discount, you can earn a renewal discount for safe driving. The app will monitor your driving behaviour and calculate a discount based on factors such as mileage, excessive speeding, and abrupt braking. The safer you drive, the higher your discount will be. The renewal discount will be applied when you renew your insurance policy. It's important to note that the discount is not immediate and will take effect at renewal.

To maximise your discount, all household drivers need to participate in the program. If there are drivers in your household who are not participating, you can encourage them to enrol by sending a reminder through the app.

The Signal app also offers additional incentives for safe driving. If you maintain a focused driving score of 80% or higher, you will be entered into monthly drawings for rewards worth up to $100.

In summary, the Farmers Signal app offers an initial discount for signing up and a potential renewal discount for safe driving. By monitoring your driving behaviour and providing feedback, the app helps you improve your driving habits and earn discounts on your auto insurance policy.

The app includes CrashAssist, which can detect a crash and send help

The Farmers Insurance Signal app includes CrashAssist, a feature that can detect a crash and send help. CrashAssist is an optional feature that uses sensors in your phone to detect when a crash occurs. It works alongside the Signal app, which monitors your driving behaviour, including things like braking habits, phone use, and speed.

If CrashAssist detects a crash, it will send you a push notification asking if you've been in an accident and if you need help. If you confirm that you need assistance, an emergency responder will contact you. If you don't respond to the notification within 60 seconds, you will receive two automated phone calls. If these calls go unanswered, emergency services will be dispatched to your location.

In addition to detecting crashes and contacting emergency services, CrashAssist offers several other support services. It can provide tips on what to do after a crash, such as documenting the incident and sharing your location with contacts. It can also help you request roadside assistance or report an insurance claim.

While CrashAssist is a valuable feature of the Signal app, it is important to note that it may not detect all crashes, particularly low-severity crashes or those that occur at the start of a trip. Additionally, technical issues with your phone may impact its effectiveness.

The app may mislabel the user as a driver when they are a passenger

The Farmers Signal app is a telematics program that tracks users' driving habits and rewards good drivers with a discount. The app monitors behaviours such as phone use, braking habits, and speed to determine whether a driver is exhibiting safe or risky driving behaviours. While the app generally becomes more accurate over time as it learns a user's driving patterns, it may occasionally mislabel a user as a driver when they are in fact a passenger. This can occur when the app detects certain behaviours, such as phone use or hard braking, which it associates with driving.

If the app mislabels you as a driver, you can manually change your trip status to "Passenger" or "Other" to ensure that your discount is not affected. To do this, go to the Signal Home page and select "All Trips" from the Trips section. Locate the trip and select the right arrow, then select "Edit" and choose the appropriate type (Driver, Passenger, or Not a Car). It's important to make these changes as soon as possible, as they cannot be made after the trip has been completed.

While occasional inaccuracies like this are normal, if you are experiencing frequent problems or are unable to resolve an issue through the FAQs, you can call Farmers' service representatives at 1-800-709-7821 for assistance.

The app is not available in all states or with all products

The Farmers Signal app is not available in all states or with all products. It is not available in Florida, Hawaii, New York, and South Carolina. The Signal discount is not available in California. CrashAssist, a feature that can detect if you've been in a crash and send help, is not available with the Foremost Signature Auto policy. Signal Rewards, which reward safe driving with monthly prizes, are not available in Arkansas, Kentucky, and Minnesota.

The Farmers Signal app is a telematics program that tracks your driving habits and rewards good drivers with a discount. The app monitors several factors, including mileage, excessive speeding, abrupt braking, and time of day. It then calculates a discount to put towards your car insurance. The app is designed to help you drive safer and offers the potential for discounts and rewards.

To use the Farmers Signal app, you must have an existing auto insurance policy with Farmers Insurance and live in a state where the app is available. You must also agree to download the app and allow tracking. The app runs continuously in the background, recording your location, using your cellphone data, and draining your battery.

Frequently asked questions