Auto Insurance Discounts: Farmers' Best Offers And Deals

Farmers Insurance is one of the largest insurance companies in the US, offering a wide range of policies, including auto insurance. While their rates are higher than average, Farmers provides a long list of discounts to help customers save on their premiums. These discounts vary based on factors such as the type of insurance policy, the state of residence, and individual circumstances. Some of the notable discounts offered by Farmers include bundling home and auto policies, good student discounts, safe driver discounts, multi-car discounts, and more. By taking advantage of these discounts, customers can significantly reduce their insurance costs.

Student discounts

Farmers Insurance offers a range of discounts for students, including:

Distant Student Discount

Students who live 100+ miles away from home and don't frequently use a family car covered by a Farmers Insurance policy may be eligible for the distant student discount.

Good Student Discount

To qualify for the good student discount, students must have a GPA of at least 3.0, be on the Dean's List, Honor Roll, or be in the top 20% of their class or standardised testing. Home-schooled students must be in the top 20% on standardised testing.

On-Your-Own Discount

The On-Your-Own discount is for young drivers under 29 who have moved into a new household.

Youthful Driver Discount

Drivers under 25 qualify for the Youthful Driver Discount.

Student Discount for Rated Drivers

Students under 23 who are rated drivers but attend school at least 100 miles away from home without a vehicle are eligible for a discount.

Safe driver discounts

Safe driving can help lower your auto insurance rates with Farmers Insurance. The company offers a safe driver discount for drivers with a clean driving record, free from accidents, traffic violations, and claims for at least three years. The exact discount amount varies between states and is not specified by Farmers.

Farmers Insurance also offers a defensive driving course discount. Completing an approved online defensive driving course can help you improve your driving skills in hazardous situations and receive a discount on your auto insurance policy. The discount amount is not specified and may vary depending on the state and individual circumstances.

In addition to the safe driver discount, Farmers Insurance offers a range of other car insurance discounts, including multi-car, good student, and bundling discounts. By combining multiple discounts, you can further increase your savings.

To find out more about the safe driver discount and other available discounts, you can contact a Farmers Insurance representative or review your policy online.

Policy discounts

Farmers Insurance offers a wide range of policy discounts for auto insurance customers. The availability of these discounts varies by state, but here is a detailed list of the types of discounts offered:

Farmers Insurance offers several policy discounts to help customers save on their auto insurance premiums. These include:

• Multi-line discount: Offered when customers buy multiple types of insurance from Farmers, such as bundling home and auto policies.
• Multi-car discount: Applies when insuring more than one car on the same policy.
• Affinity discount: Available for members of partner organizations or employees of partner companies.
• EPolicy discount: For customers who choose to receive bills and statements online.
• Good payer discount: For customers with no late payment fees in the past 12 months.
• Distant student discount: For students on the policy who attend school more than 100 miles away from where the insured car is parked.
• Shared family car discount: Applicable when there is an unmarried driver under 20 on the policy and there are more active drivers than vehicles.
• Homeowner discount: A small discount for customers who own their homes.
• Alternative fuel discount: For customers with hybrid or electric vehicles (only available in California).
• EFT discount: For customers who set up automatic monthly payments.
• Pay-in-full discount: For customers who pay their entire premium upfront.

These policy discounts provide opportunities for customers to save on their auto insurance premiums, and it is worth checking with Farmers to see which discounts may apply to your specific situation.

Vehicle discounts

Farmers Insurance offers a range of vehicle discounts to help customers save on their premiums. Here are some of the vehicle discounts offered by Farmers:

Alternative Fuel Vehicle Discount

Farmers Insurance offers a discount for vehicles powered by alternative fuels, such as electric or hybrid cars. This discount is currently only available in California.

Anti-Lock Brakes Discount

Farmers provides a discount for vehicles equipped with factory-installed anti-lock brakes. This safety feature can improve braking performance and help prevent accidents, making your vehicle safer to insure.

Anti-Theft Device Discount

If your car has alarms, vehicle tracking, or other protective devices, Farmers offers a discount. These security measures reduce the risk of theft, which can lower your insurance costs.

Daytime Running Lights Discount

A small discount is available for vehicles with daytime running lights. This feature improves visibility and can help prevent accidents, especially during the day.

Homing Device Discount

Farmers offers a discount for vehicles with an approved homing or tracking system. This device can help locate your car if it's stolen, reducing the risk and cost of theft.

Passive Restraint Discount

You may be eligible for a discount if your vehicle has automatic seat belts and airbags. These passive restraint systems improve safety by reducing the impact of collisions on occupants.

Shared Family Car Discount

If there are more active drivers than vehicles on your Farmers policy, you can get a shared family car discount. This discount encourages safe driving practices and reduces the risk associated with multiple drivers.

It's important to note that not all discounts are available in every state, and eligibility criteria may vary. Be sure to contact Farmers Insurance or review their website for the most accurate and up-to-date information about their vehicle discounts.

Career discounts

Farmers Insurance offers a wide range of career discounts for its customers. The availability of these discounts varies depending on the type of insurance policy and the state in which the customer resides.

Military Discount

Farmers Insurance offers a military discount as a way of showing gratitude to those who serve or have served in the armed forces. This discount is applicable to active-duty service members, retired personnel, and honorably discharged veterans.

First Responder Discount

Farmers Insurance provides a discount for first responders, including police officers, firefighters, and emergency medical technicians. This discount recognizes the dedication and service of these professionals to their communities.

Teacher Discount

Teachers are eligible for a career discount with Farmers Insurance. This discount is a way to show appreciation for the important role that teachers play in society.

Healthcare Worker Discount

Healthcare workers, such as doctors, nurses, and dentists, may qualify for a career discount with Farmers Insurance. This discount acknowledges the essential role that healthcare professionals play in the community.

Affinity Discount

The Affinity Discount is offered to members of certain professional groups, organizations, or associations. This discount is available to those who are part of eligible groups that Farmers Insurance has partnered with.

Other Career Discounts

In addition to the discounts mentioned above, Farmers Insurance may offer career discounts for other professions. These could include engineers, lawyers, or other specific occupations. It is always worth contacting a Farmers Insurance agent to inquire about any career-specific discounts that may be available.

To find out more about career discounts and other ways to save on your insurance premiums, it is recommended to speak directly with a Farmers Insurance agent, who can provide personalized advice and information based on your specific circumstances and policy details.

Frequently asked questions