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What, where, why and how you drive all can affect the cost of your insurance.

Here are some ways to help reduce your premium:

1

Keep your current car for a few extra years

The more your car is worth, the more it can cost to insure. So there’s a good chance your premium will rise if you replace a $20,000 trade-in with the latest $40,000 model. Driving an older car that’s less valuable can help keep your overall premium lower.

2

Drive safely

A clean driving record — no traffic violations or accidents — indicates that you’re a better risk, and can help you keep your insurance rate as low as possible.

3

Do research before buying a car

Some cars are less expensive to insure than others. Spend time evaluating different makes and models — considering overall safety and theft rates. If you’re considering several models and can’t decide, your Farmers agent can provide coverage rates so you can compare and make an informed decision.

4

Purchase multiple policies

You may qualify for discounts when you purchase multiple policies with Farmers—for instance, by combining your auto policy and a home policy.

5

Find additional discounts

Depending on the state you live in, you may be eligible for a number of discounts.

6

Consider your deductibles

A higher deductible can lower your monthly premium. Keep in mind, however, it would also mean paying more out-of-pocket in the case of a loss. Talk to your Farmers agent so you can choose the right balance for you.

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We like to reward safe driving

Earn discounts for being a focused driver while using Signal®.

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