Optional Auto Insurance Features 

You can tailor your auto policy and select the insurance you want with a full menu of optional coverage choices that include:

New Car Replacement Coverage

If your car qualifies as a total loss within the first two model years of ownership and with fewer than 24,000 miles, New Car Replacement Coverage®  can help. It will reimburse you for the cost of replacing it with a new one of the same make and model — less any deductible.

Customized Equipment Coverage

When a car doesn’t come from the manufacturer with all the equipment you want, you might install aftermarket features like alloy wheels or a sound system. Customized equipment coverage can help if this add-on equipment is damaged, and it’s available for any vehicle with comprehensive and collision coverage.

Personal Liability Umbrella Coverage

Farmers® personal umbrella coverage provides additional liability limits over and above the liability limits on your personal auto policy. This affordable coverage can be purchased in $1 million increments up to $10 million.**

Towing and Roadside Service Coverage

If your car breaks down or you get locked out, help is just a phone call away. With roadside assistance, you’ll have 24/7 access to services like: 

  • Dead or weak battery jump-starts
  • Flat tire change
  • Locksmith services
  • Roadside winching
  • Towing services to the nearest qualified repair facility
  • Emergency roadside connect to police, fire or medical assistance

Accident Forgiveness

You’ve been accident-free for years — until now. But your good driving record won’t go unnoticed. Farmers will forgive one at-fault accident for every three years you drive without one. That means this one accident won’t impact your premium.

Loss of Use

With this option, Farmers will provide a flat sum for cabs, public transit or a rental while your car has a qualified disablement that’s covered by your policy’s comprehensive or collision coverage.

Car Rental Reimbursement

If you need a rental vehicle after an accident, Farmers will help you find a quality rental car quickly. There’s even free pickup and delivery, direct billing to Farmers and an automatic deposit waiver. Car rental reimbursement is available for a maximum of 30 days for each qualified disablement covered by your policy’s comprehensive or collision coverage. 

Glass Buy-Back

Got a crack in your windshield? With this option, Farmers will connect you with a reputable vehicle glass company in your area, and you’ll be back on the road in no time.

Original Equipment Manufacturer

When your car is damaged in a covered accident, Original Equipment Manufacturer (OEM) coverage pays for repairs with factory-original replacement parts when they’re available. To add this coverage, you must have collision and comprehensive coverage with Farmers, and your car must be no more than 10 years older than the current calendar year.

Tom Upole is a master technician who runs a car service and repair center in northwest Maryland.

Even if your car seems to be running just fine, Upole says winter weather has a knack for finding the weak spots on cars.

Read the story: Winter Car Care Tips from One of the Snowiest, Coldest Places in the U.S.

**Restrictions and eligibility requirements apply. Farmers personal umbrella coverage requires one qualifying, underlying auto policy with Farmers (a motorcycle policy does not meet this auto requirement) and a qualifying, underlying personal liability policy (such as homeowners, renters or condo) with any insurer.