Flexible Coverages

FarmersFlex Program

FarmersFlex^* provides you with a new set of packaged options and features to help you prepare for the unexpected. You can select, in addition to your regular policy coverage, Accident Forgiveness, Rate Shield, and Declining Deductibles, all designed to help you save.

• Accident Forgiveness:
  You're a good driver and haven't been in an accident for years, but now you have a claim. Farmers will forgive up to three accidents in a three year period.
• Rate Shield:
  Everyone is afraid of increasing costs of insurance, now you don't have to be. Farmers will lock in your base rates for up to three years. This means your premium remains the same unless you change something (purchase a new car, relocate your home, etc.)
• Declining Deductibles:
  If you have a claim, covering your deductible can be an unexpected expense. With declining deductible, your collision coverage deductible is reduced by $100 annually, up to $500.
• New Car Pledge:
  You've just invested a lot of your hard earned money in a new car, and losing it would be a major loss. That's why Farmers will replace your new vehicle without depreciation in the event of a total loss in the first two years (24,000 miles) of ownership. Also, if minor repairs are needed, we'll make sure only original manufacturer parts are used if available.

*Some features are not available in all states; contact your agent for details.

Personal Umbrella Insurance
In addition to required liability coverage, you may elect to purchase a personal liability umbrella policy. Umbrella policies act like an umbrella and supplement the liability coverage you already have on your auto and homeowners policies, providing an extra layer of coverage. It is used for catastrophic losses or when primary liability insurance is exhausted. (Your auto policy must have certain limits in order for you to qualify for an umbrella policy).

Emergency Roadside Assistance
The Farmers Tow Program (FARMTOW) provides 24/7 access to roadside assistance through Farmers Helppoint^®. Not only does this program provide towing to the nearest qualified repair facility, but it also offers locksmith services, battery "jump start", and other repairs performed right where your vehicle breaks down. In most cases, Farmers will be billed directly for this service.

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Windshield Glass Repair Service
FASGLAS^® , Farmers Glass Program, is a national program with over 12,000 participating independently owned and operated glass shops that provide timely and professional auto and home glass replacement and repair services.

Upon contacting Farmers HelpPoint^® (800-435-7764) you will be given an explanation of the program and then you can decide whether or not you want to select a FASGLAS^® program shop or use a shop of your own choosing. If you choose FASGLAS^® Farmers will then link you directly with a FASGLAS^® vendor who will arrange to provide repairs at one of their local glass shops or send a qualified glass replacement/repair technician directly to your home or work, whichever is convenient for you. You pay only your deductible. The remainder is billed directly to Farmers.

Customers participating in this program receive a warranty from the glass service provider. Farmers will stand behind the warranty offered by the glass service provider if you're not satisfied with the quality of work performed.

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Car Rental Reimbursement
Farmers Auto Rental Service is a program that quickly provides a rental vehicle for your use after an accident. This network of pre-screened, nationally-known rental car companies provide free pickup and delivery, direct billing to Farmers and an automatic deposit waiver (deposit waiver is not available in all areas). Auto Rental Service provides service for customers and other parties in an accident for which we have accepted responsibility.

One quick call to Farmers HelpPoint^® will set the rental process in motion.

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Extended Customized Equipment Coverage
Farmers can also provide coverage for optional equipment not permanently installed in the dash of your car, and for theft of items such as tapes, discs or other equipment designed for the reproduction of sound. If you're thinking about adding equipment to your present vehicle, contact your local Farmers agent.

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