Frequently Asked Questions

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Farmers Insurance FAQ

1

I forgot my username and password.  How do I log in?

Having trouble logging into My Farmers®? Don’t worry — we can help you recover your information.

Select Forgot Username/Password and follow the prompts.

If you need assistance, contact your Farmers agent or Farmers Customer Care Center:

1-888-327-6335
Mon–Fri 7:00 a.m. to 11:00 p.m. CST
Sat–Sun 8:00 a.m. to 8:00 p.m. CST

2

My bill is due, but I can't login to My Farmers. What should I do?

You can make a one-time payment here. If you need help paying your bill online, contact your Farmers agent or call the Farmers Customer Care Center:

1-888-327-6335
Mon–Fri 7:00 a.m. to 11:00 p.m. CST
Sat–Sun 8:00 a.m. to 8:00 p.m. CST

3

What is personal liability umbrella coverage?

An umbrella policy provides extra liability coverage on top of your other insurance policies. For example, if you’re ever sued and the amount you owe is higher than the limits on your existing coverage, an umbrella policy can help cover the remaining costs, so you may be less likely to have to use savings or other assets to pay out of pocket.

Learn more about umbrella insurance or talk to your Farmers agent for more information.

4

Am I covered if I rent a car?

Car rental companies may offer optional insurance coverage for an additional daily fee, and the details are typically outlined in your rental agreement. However, your current auto policy may already cover rental cars. Coverage varies by state, so check your policy or contact your local Farmers agent for details. Learn more about rental car coverage in an auto policy.

5

How do I cancel my Farmers policy?

If you have an agent, contact them to cancel your policy. If you’ve already reached out to your agent — or you don’t have one — call our service line at: 

888-327-6335 
Mon–Fri 7:00 a.m. to 11:00 p.m. CST 
Sat–Sun 8:00 a.m. to 8:00 p.m. CST 

6

Are you looking for information about the relationship between USAA and Farmers, or are you affiliated with USAA and hoping to receive an insurance quote?

USAA has a relationship with our carrier, Foremost Insurance Company, which is part of Farmers Insurance. If you have a policy through Foremost or questions about your coverage, visit usaaforemost.com or call 800-315-1122.

Insurance Risk Indicators

Questions you may have about insurance risk indicators.

Insurance companies use different tools and data points to help set rates. One of the tools Farmers may use is called the risk assessment indicator (RAI).

1

What is a Farmers Risk Assessment Indicator?

A Farmers risk assessment indicator is a code based on information in a credit report. Depending on the type of policy — and where allowed by law — Farmers may use this indicator along with motor vehicle records, loss reports and other information to help determine auto and/or homeowners insurance rates. 

2

Where do Risk Assessment Indicators come from?

Risk assessment indicators are based on information from consumer disclosure or credit reports from one of two institutions: LexisNexis® or Equifax®. 

Information used may include:

  • Length of credit history
  • Late payments, collections

What's not included in an RAI? The following information:

  • Ethnic group
  • Marital Status
  • Religion
  • Nationality
  • Age
  • Familial Status
  • Income
  • Disability
  • Gender

Learn more about what impacts auto insurance rates.

3

Who at Farmers has access to my credit information?

We believe in your right to privacy. Your agent and members of the agency staff do not have access to your credit file. You can, however, obtain a copy of your credit report from the consumer reporting agency that provided the information used to calculate your risk assessment indicator.

4

Why does Farmers use Risk Assessment Indicators?

Industry experts have proven that a strong correlation exists between credit history and insurance risk. Because credit history is generally accepted to be a fair and accurate way to predict probability of future loss, Farmers uses credit data to determine discount availability for applicants and customers. Please keep in mind that this is only one of several factors used in determining your premium.

5

Can I improve my RAI and, if so, how?

You can improve your indicator over time by using credit responsibly. An RAI is a snapshot of your insurance risk based on information in your credit report. It’s a good idea to periodically obtain a copy of your credit report from the major credit bureaus to check for any inaccuracies.

Farmers recommends that if you need assistance with understanding your credit history or advice on using credit responsibly, you should contact a qualified credit counselor. Farmers agents and employees are not qualified credit counselors.

6

What if I don't get the best discount as a result of my indicators?

The Fair Credit Reporting Act (FCRA) requires that we tell you if we take an adverse action based on information in your credit report. We will give you the name of the credit bureau that provided the information and explain certain rights you have under the FCRA, so you can address any errors that might appear on your credit report.

7

What if the information in my credit report is wrong?

If you find an error on your credit report, report it to the credit bureau. The credit bureau must investigate and respond to your request. Once you’re sure your report has been updated, contact your Farmers agent. They can request a new risk assessment indicator. Farmers will apply any related changes to your premium.  
 
The Federal Trade Commission Consumer Advice website notes that Federal law allows you to get a free credit report every 12 months from each credit reporting company. To get your free report: 

Annual Credit Report Request Service  
P.O. Box 105281
Atlanta, GA 30348-5281

You can contact each credit bureau to request your credit report, but fees may be applied. 

Equifax
Experian
TransUnion

8

What are insurance risk indicators? How does my risk affect the price of my coverage?

Farmers has decades of experience providing insurance in communities across the country. We work to offer dependable coverage at competitive rates. 

That’s why, at Farmers, we’re always looking for new ways to keep the cost of insurance affordable. To do this, we use a tool called the risk assessment indicator. 

9

How do insurance companies assess risk?

There are a number of factors that contribute to how insurance companies, including Farmers, calculate the risk they’ll take on when offering coverage to a particular person. Depending on what’s allowed by law, this may include things like driving history and credit history. These and other data points help underwriters estimate how likely it is that a claim will be filed and set rates accordingly. 

Learn more about what impacts auto insurance rates or talk to a Farmers agent if you have questions about how rates are determined. 

*Where allowed by law.