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.
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.
6. Stay in the know
For further information, contact your Farmers agent.
¹ Source: Insurance Institute for Highway Safety , Top Safety Picks 2014 . 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.