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Lower Car Insurance Premiums5 ways to save on Car insurance
  1. Drive safely and drive less
  2. Choose a car that's less expensive to insure
  3. Get discounts for purchasing multiple policies with Farmers
  4. Ask your Farmers agent about additional insurance discounts
  5. Choose a higher deductible
Learn more

5 Ways to Reduce Your Auto Insurance Premiums

  1. Drive safely and drive less

    Generally, the longer you drive without major citations or accidents, the lower your premium will be. In addition, the more time you spend driving and the farther the distances, the higher the likelihood that you may end up in an accident regardless of how safe a driver you are. Consider car-pooling, taking public transportation or riding your bike. If you are a safe driver, Farmers offers a safe driver discount to reward your good driving habits. 

  2. Research before you buy

    Before you commit to buying a new car, be sure to do your research. Some makes and models of cars, particularly those with excellent safety, theft loss or accident records, can be less expensive to insure.

    If you're considering several models and can't decide, your Farmers insurance agent can help you make an informed decision. Your agent can provide some coverage price comparisons for the models you're interested in. A higher -- or lower -- insurance coverage premium may make the decision for you.

    To view the Best Insurance Values┬╣, choose a type of car.

    Minicars

    Fiat 500
    2012-13 models
    (built after July 2011)
    Ford Fiesta
    2012-13 models
    (sedan | hatchback)
    Honda Fit
    2012-13 models
    Nissan Versa sedan
    2012-13 models
    Toyota Yaris hatchback
    2012-13 models
    (only 4-door models)

    Small cars

    Acura ILX
    2013 models
    Chevrolet Cruze
    2012-13 models
    Chevrolet Sonic
    2012-13 models
    Chevrolet Volt
    2012-13 models
    Dodge Dart
    2013 models
    Ford Focus 4-door
    2012-13 models
    (sedan/hatchback)
    Honda Civic 4-door Honda CR-Z
    Honda Insight
    2012-13 models
    Hyundai Elantra
    2012-13 models
    Kia Forte
    2012-13 models
    (only sedan models)
    Kia Soul
    2012-13 models
    Lexus CT 200h Mazda 3
    2012-13 models
    (sedan | hatchback)
    Mini Cooper Countryman Mitsubishi Lancer
    2012-13 models
    (except Ralliart and Evolution models)
    Nissan Cube
    Nissan Juke
    2012-13 models
    Nissan Leaf Scion FR-S
    2013 models
    Scion tC
    2012-13 models
    Scion xB Scion xD Subaru BRZ
    2013 models
    Subaru Impreza
    2012-13 models
    Subaru XV Crosstrek
    2013 models
    Toyota Corolla
    2012-13 models
    Toyota Prius
    2012-13 models
    Toyota Prius c
    Volkswagen Golf
    2012-13 models
    (only 4-door models)
    Volkswagen GT
    2012-13 models
    (only 4-door models)

    Midsize moderately priced cars

    Audi A3
    2012-13 models
    Buick Verano
    2012-13 models
    Chevrolet Malibu
    Chevrolet Malibu
    2013 models
    Chrysler 200
    2012-13 models
    (only 4-door models)
    Dodge Avenger
    2012-13 models
    Ford Fusion Ford Fusion
    2013 models
    Honda Accord
    (only 4 door models)
    Hyundai Sonata
    2012-13 models
    Kia Optima
    2012-13 models
    Subaru Legacy
    2012-13 models
    Subaru Outback
    2012-13 models
    Toyota Camry
    Toyota Prius v Volkswagen Jetta Sedan
    2012-13 models
    Volkswagen Jetta SportWagen
    2012-13 models
    Volkswagen Passat
    2012-13 models
    Volvo C30
    2012-13 models

    Midsize luxury/near luxury cars

    Acura TL
    2012-13 models
    (built after September 2011)
    Acura TSX
    2012-13 models
    (sedan | Sport Wagon)
    Audi A4
    2012-13 models sedan
    BMW 3 series
    2012-13 models
    (only sedan models)
    Lexus ES 350
    2013 models
    Lincoln MKZ
    Mercedes C class
    2012-13 models
    Volkswagen CC
    2012-13 models
    (except 4-wheel drive V6)
    Volvo S60
    2012-13 models

    Large family cars

    Buick LaCrosse
    2012-13 models
    Buick Regal
    2012-13 models
    Chrysler 300
    2012-13 models
    Dodge Charger
    2012-13 models
    Ford Taurus
    2012-13 models
    Hyundai Azera
    2012-13 models
    Toyota Avalon

    Large luxury cars

    Audi A6
    2012-13 models
    BMW 5 series
    2012-13 models
    (except 4-wheel drive and V8)
    Cadillac CTS
    2012-13 models
    (only sedan models)
    Hyundai Equus
    2012-13 models
    Hyundai Genesis
    2012-13 models
    Infiniti M37/M56
    (except M56x 4-wheel drive)
    Lexus GS
    2013 models
    Lincoln MKS
    2012-13 models
    Mercedes E class 2-door
    2012-13 models
    Mercedes E class 4-door
    2012-13 models
    Saab 9-5
    Volvo S80
    2012-13 models

    Small SUVs

    Ford Escape
    2013 models
    Honda CR-V
    2012-13 models
    Hyundai Tucson
    2012-13 models
    Jeep Patriot
    (with optional side torso airbags)
    Kia Sportage
    2012-13 models
    Mazda CX-5
    2013 models
    Mitsubishi Outlander Sport
    2012-13 models
    Subaru Forester
    2012-13 models
    Volkswagen Tiguan
    2012-13 models

    Midsize SUVs

    Chevrolet Equinox
    2013 models
    Dodge Durango
    2012-13 models
    Dodge Journey
    2012-13 models
    Ford Edge
    2012-13 models
    Ford Explorer
    2013 models
    Ford Flex
    2012-13 models
    GMC Terrain
    2012-13 models
    Honda Pilot
    2012-13 models
    Hyundai Santa Fe
    Hyundai Santa Fe
    2013 models
    Jeep Grand Cherokee
    2012-13 models
    Kia Sorento
    2012-13 models
    Subaru Tribeca
    2012-13 models
    Toyota Highlander
    2012-13 models
    Toyota Venza

    Midsize luxury SUVs

    Acura MDX
    2012-13 models
    Acura RDX
    2013 models
    Audi Q5
    2012-13 models
    BMW X3
    2012-13 models
    Cadillac SRX
    2012-13 models
    Infiniti EX35
    Lexus RX Lincoln MKT
    2012-13 models
    Lincoln MKX
    2012-13 models
    Mercedes GLK
    2012-13 models
    Mercedes M class
    2012-13 models
    Saab 9-4X
    Volvo XC60
    2012-13 models
    Volvo XC90
    2012-13 models

    Large SUVs

    Buick Enclave
    2012-13 models
    Chevrolet Traverse
    2012-13 models
    GMC Acadia
    2012-13 models
    Volkswagen Touareg
    2012-13 models

    Minivans

    Chrysler Town & Country
    2012-13 models
    Dodge Grand Caravan
    2012-13 models
    Honda Odyssey
    2012-13 models
    Toyota Sienna
    2012-13 models
    Volkswagen Routan
    2013 models

    Large pickups

    Ford F-150
    2012-13 models (crew cab models)
    Honda Ridgeline
    2012-13 models
    Tundra
    2012-13 models (crew cab models)
  3. Purchase multiple Farmers policies

    You will save if you purchase multiple policies with Farmers: insure additional cars, a motorcycle, boat, RV or your home and you can save on all of your insurance premiums. Add a Life insurance policy and save even more.

  4. Ask about additional discounts

    Ask your Farmers agent about the discounts available in your state. Some common discounts include Safe Driver, Good Student, Multiple Vehicles, Multiple Policies, EFT and Paid in Full.

  5. Choose a higher deductible

    A deductible is the amount of a covered loss you agree to pay before the benefits of your policy are applied. In many cases, a higher deductible could mean a lower monthly premium, but would also mean paying more out-of-pocket in the event of a loss.

For further information, contact your Farmers agent.

┬╣ Source: Insurance Institute for Highway Safety, Top Safety Picks 2012. The Institute rates vehicles good, acceptable, marginal, or poor based on performance in high-speed front and side crash tests plus evaluations of seat/head restraints for protection against neck injuries in rear impacts.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.