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New Car Replacement

When you buy a brand-new car, you're making an investment. So why not make sure you get your money's worth? With New Car Replacement, if your vehicle is a total loss, we'll replace it with a brand-new one. And if your vehicle isn't available in the same make and model, Farmers® will replace it with an even newer one.

To qualify, your vehicle must be insured with Farmers upon purchase, and be less than 2 years old or have under 24,000 miles on it.

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Accident Forgiveness

You're normally a great driver, but you just had your first claim in years and you're nervous that your rate will change. If you qualify for Accident Forgiveness, Farmers will forgive one at-fault accident for every 3 years you drive without one. You can use this benefit regardless of who is driving the vehicle, or at fault, when the accident occurs. Additionally, your rates won't increase even if your vehicle is stolen or falls victim to other forces such as hail, vandalism or fire. Talk to a Farmers agent to learn more.

Loss-of-Use Coverage

From missing work to paying for alternate modes of transportation, the time you spend without your car while it's being repaired can prove costly.

To offset this, loss - of - use coverage gives you a set amount of money for every day your vehicle is in the shop. You can use this money to pay for a rental car or public transportation – or simply keep it for anything else you might need.

And if your car is a total loss, you'll receive a flat sum that could help to cover unexpected expenses. At last, car trouble has a straightforward solution.

Roadside Assistance

A lot can happen out there. Luckily, Farmers® Roadside Assistance provides you with 24/7 access to more than 20,000 towing and road-service facilities, and 10,000 professional locksmiths.

And with an emergency roadside connection to police, fire and medical assistance, this feature can help you prepare for a wide range of road-side mishaps.

This on-demand roadside assistance program uses advanced technology to instantly identify and dispatch the closest service vehicle, alleviating the frustration of waiting for help to arrive. You’ll receive real-time notifications and a live progress map you can follow – all at your smartphone.

Smart Customer Discounts

Farmers® believes in rewarding the smart habits of our customers. On top of being able to customize your coverage features, we offer additional savings such as the Good Driver and Good Payer discounts.

Additional discounts are available for going paperless, paying your full premium up-front, having multiple policy lines with Farmers®, and setting up automatic payments for your account. And If you're a young person moving from your parents' Farmers policy to one of your own, we've got a discount for you, too.

Expand to learn more about some discounts that may be available to you as a Farmers customer

As a Farmers customer, the following discounts may be available to you:

  • Multi-Line Policy Discount – The more policy lines you have with Farmers, the more you can save. When you have auto insurance with Farmers, discounts may be available when you also purchase home, renters and specialty coverage for your primary residence.

    You'll get additional convenience and savings when you also insure your boats, motorcycles, and motorhomes with Farmers.
  • Safe Driver Discount – The Safe Driver discount is available for drivers who maintain a clean driving record.
  • Multi-Car Discount – This discount is available if your household insures two or more vehicles with Farmers.
  • Good Payer Discount – You qualify for the Good Payer discount when you pay your bill on time. Simply make on-time payments and your policy will retain this discount at renewal – it's that easy.
  • Payment Plan Discounts – We offer a Paid in Full discount for customers who choose to pay their policy premium in one payment.

    You can also receive a discount if you use automatic payments for monthly premiums. These payment plans help save you time and money – a win all around.
  • On Your Own Discount – This option provides a discount for drivers under age 25 who are moving off a parent's Farmers policy to a Farmers policy at their own residence.

Upgrade your auto policy now.

Contact your Farmers® agent today to learn how straightforward solutions can take your Farmers Auto policy to the next level.

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Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Civic Property and Casualty Company, Exact Property and Casualty Company, Neighborhood Property and Casualty Company, and their affiliates. In Texas, insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Texas County Mutual Insurance Company, Mid‑Century Insurance Company of Texas, and Texas Farmers Insurance Company. In New York, insurance is underwritten by Farmers Insurance Exchange, Truck Insurance Exchange, Mid‑Century Insurance Company, and Farmers New Century Insurance Company, home office Los Angeles, California. Each insurer has sole financial responsibility for its own insurance products. Visit for a complete list of companies. Not all insurers are authorized to provide insurance in all states. Not all products,features, coverages, and discounts are available in every state. Restrictions, exclusions, limits, and conditions apply. Optional features are subject to qualifications, terms, conditions, and availability. See agent for details.