Farmers Signal is a telematics program that allows Farmers policyholders to download a mobile app that monitors their driving behaviors and rewards safe driving.
Access to Farmers’ CrashAssist, a program which uses your phone’s sensors to detect when you’ve been in an accident, puts you in touch with emergency services if needed
In addition to earning a reduced rate on your auto insurance, enrolling in the Signal program is a great way to learn more about your own driving patterns and make changes to reduce dangerous habits, such as
There are a few cons to consider when signing up for a telematics program—particularly if you tend to engage in riskier driving behaviors. The disadvantages of Farmers Signal include:
, and several other states won’t qualify for the program.
Requires substantial data: The Signal app uses a lot of data, which could be a problem for drivers without unlimited data plans.
Tracking errors: Trips erroneously tracked in others’ vehicles could reflect poorly on your own habits.
Potential premium increases: Engaging in poor driving behavior could lead to a higher premium upon renewal.
In general, as long as you live in a state where Farmers Signal is available and consider yourself a safe driver, this discount program is a great way to earn a lower rate on your Farmers insurance policy.
Farmers Signal monitors a variety of driving habits to determine a driver safety score:
Acceleration and braking habits: Drivers who avoid hard braking, driving over the speed limit, and excessive speeding usually earn higher driver safety scores.
Mileage: Motorists who drive less have a lower risk of getting into traffic accidents, so logging fewer miles may result in a higher driver safety score.
Time of day: The less driving you do during risky periods—like during rush hour or at night—the higher your driver safety score might be.
Phone usage: Drivers who limit phone use while driving often earn improved driver safety scores.
MORE: Cheap car insurance for low-mileage drivers
Contact Farmers Insurance to sign up for Signal
If you’re interested in signing up for the Farmers Signal telematics program, you have a few options:
Contact your Farmers insurance agent.
Log into your account on Farmers.com.
Call Farmers customer service at 1-800-709-7821 and let them know you want to enroll.
Then, download the Signal app for Android or iOS, enable it on your cell phone, and start driving!
There’s no need to open the app each time you get in your car—Signal can recognize when you’re traveling in a car and will automatically begin to track your driving.
Farmers Signal is worth it for safe drivers
If you’re usually a safe driver and don’t engage in unnecessary risks behind the wheel, then Farmers Signal is likely worth it.
At a minimum, you’ll earn 5% off your Farmers premium just for enrolling in the Signal program—and if you maintain a good driver safety score, you’ll be eligible for additional discounts of up to 30% at every renewal period.
You’re not guaranteed a discount beyond the initial 5%, so we don’t recommend switching car insurance companies unless Farmers offers you a lower rate.
Who should avoid Farmers Signal: Drivers who have a bad driving record and aren’t confident in their ability to operate a vehicle safely should avoid enrolling in Farmers Signal. Consider enrolling after getting more driving practice or completing a
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