Does Farmers Have Good Car Insurance Discounts?

What auto insurance discounts does Farmers offer?

Farmers safe driver discounts

Signal App: This telematics program tracks your daily driving habits in real-time. You’ll get an initial discount upon applying for the program, and then additional savings if you prove that you’re a safe driver.
Safe Driver: Farmers policyholders with zero BI (
bodily injury
) points against their driving record can qualify for a discount.
Distant Student: Students typically fall into the high-risk age demographic of 16 to 25 years old. That means you’ll qualify for a discount if your child, the student,
goes to school at least 100 miles away
and doesn’t have regular access to covered cars.
Mature Driver / Defensive Driver / Senior Driver: While your accident risk profile decreases from 25 to 55 years old, it then begins to increase again due to cognitive decline and worsened reaction time. Luckily, you can take a
state-approved safe driver training
every three years after 55 to prove you’re still sharp as a tack! (The name of this discount varies by state, and not all states have this discount. The age limits may also vary by state.)

Farmers vehicle discounts

Alternative Fuel: Drivers who own a vehicle that isn't powered by gasoline will be rewarded with a discount. Qualifying alternative energy sources include hybrid, electric, natural gas, propane, and more. Thank you for doing your part! (CA only)
Antilock Brakes: Having
anti-lock brakes (ABS)
reduces your chances of filing a
collision claim
. This gives Farmers Insurance peace of mind, so they are willing to offer you a discount. (must be factory installed—not aftermarket, not offered in all states)
Anti-Theft: Having
alarms and protective devices
reduces your chances of filing a
comprehensive claim
for theft. Again, this gives Farmers Insurance peace of mind (not offered in all states)
Daytime Running Lights: These are basically headlights that stay on all the time. They are a safety feature and reduce your likelihood of getting in an accident. Farmers likes to reward discounts to vehicles that prioritize accident prevention. (not offered in all states)
Passive Restraint: This means your vehicle has airbags or automatic seatbelts. These features are intended to mitigate injury risk in an accident. Farmers likes to reward discounts to vehicles that prioritize safety. (not offered in all states)
Homing Device: Tracking system to locate your car if it’s stolen. Farmers Insurance loses money if they have to replace your whole vehicle, so they offer discounts to vehicles that will be easier to find. (system must be Farmers-approved)
VIN Etching: This makes your vehicle and any frequently-stolen parts (
like a catalytic converter
) identifiable when stolen. Etched vehicles get a discount for the same reason vehicles with homing devices do. (not offered in all states)

Farmers policy discounts

Multiline: Lower your total insurance costs by bundling your auto insurance policy with more Farmers insurance products, such as home, life, umbrella, small business, and specialty. 
Multicar: If you trust Farmers to protect more than one of your vehicles, they’ll give you a customer loyalty discount.
Good Student: Now, what are “good” grades? For Famers student-policyholders, that means a 3.0 or better GPA, Dean’s List, Honor Roll, top 20% of the class, or top 20% on standardized testing.
ePolicy: By paying your bills online or using the Farmers mobile app, you can qualify for a paperless discount!
Affinity: Farmers rewards military members and other public service occupations with car insurance discounts.
Good Payer: If you pay all your bills on time for 12 months straight, Farmers will consider giving you a discount upon renewal. (not available in CA)
Shared Family Car: This is a total discount on the entire insurance policy when there are more active drivers than vehicles in the household (not available in CA)
On Your Own: Drivers under the age of 29 falling off of their parent's Farmers car insurance policy can qualify for a discount if they end up getting their own coverage through Farmers—call it generational savings! (must be within 12 months)
Homeowner: Homeowners are more likely to have a safe and secure location to park their vehicles, mitigating the possibility of a comprehensive claim for theft or inclement weather. 
EFT: Having automatic payments (electronic funds transfer) set up on Farmers.com will earn you a discount.
Pay In Full: Farmers prefers money in hand more than promises of payment every month. So you can qualify for a discount if you pay for your coverage annually or bi-annually.

Does Farmers have good car insurance discounts?

“Since I’m under 25, I thought paying a lot for insurance was normal.

Jerry

made it easy to find affordable insurance. It was even easy to switch insurance agencies. I went to bed and woke up with new insurance.” —Steven C.

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