Auto Insurance FAQ

How can I compare auto insurance quotes?

Shopping for auto insurance can feel complicated, but it doesn’t have to be. When you get an auto insurance quote from Farmers^®, you’ll get help along the way so you can choose coverage that fits your needs and budget. You can also compare coverage options and prices from multiple insurers to help you see how different options stack up. If you’re thinking about changing insurers, learn more about how to switch car insurance here.

How do I find the lowest auto insurance rate for me?

To find the most affordable auto insurance policy for you, take the time to compare insurers to see which can save you the most money while providing you with the most value. Many insurance companies combine low rates with discounts to provide lower premiums. Farmers even offers a good student discount to qualifying new drivers with good grades. And drivers who bundle insurance policies with Farmers can save as well. Talk to your local Farmers agent about money-saving options.
 
More ways to help lower your premium: 

• Drive a safer, slightly older or less valuable vehicle. The more your vehicle is worth, the more it can cost to insure it.  

• Modify your vehicle to make it safer or lower-risk by adding anti-theft devices or features like anti-lock brakes.  

• Selecting a higher deductible may help you keep your auto insurance costs down. Click to learn more about auto insurance deductibles. 

• Drive safely. Your driving record is one of the most important factors in determining the premium you pay for car insurance.

Am I covered if I use a car-sharing service like Turo?

If you’re renting or borrowing a car through a personal car-sharing service like Turo, your policy may be designed to provide coverage in the same way as if you rent from a commercial car rental company like Hertz. However, your car likely will not be covered by your policy if you make it available for rental through a personal car-sharing service.

What kinds of discounts are available for auto insurance?

Farmers offers a range of car insurance discounts that can help you save on your premium. You could qualify based on factors like your profession, being a homeowner, maintaining good grades as a student, or having safety features in your vehicle such as airbags. Additional savings may be available if you insure multiple vehicles or bundle multiple policies. 
 
Contact your local Farmers agent for more details.

What is Farmers doing to control car insurance costs?

We have a network of reliable auto repair facilities for high-quality repairs at competitive prices. 

We vigorously oppose frivolous lawsuits. 

We have an active anti-fraud unit. 

We offer a youth driving safety education program to all parents of young drivers. 

We actively support organizations devoted to auto safety, including funding anti-drunk driving efforts and those dedicated to improving youth driving safety. 

What can I do to control my auto insurance rates?

Short answer: there are a lot of factors that can increase the cost of car insurance. These are a few strategies that can help you save: 

• Bundle multiple policies, like your homeowners policy, with your Farmers auto insurance. 

• Insure more than one car to qualify for multi-car discounts. 

• Insure your boat, motorcycle or RV to earn additional discounts. 

• Drive safely, drive less often and maintain a clean driving record. 

• Raise your deductible. 

• Drive a reliable car with standard safety features like airbags, anti-lock brakes and electronic stability control. 

Check with your Farmers agent to see if you qualify for additional car insurance discounts. 

Will my policy be canceled if I have an accident?

Generally, being in an accident will not cause your policy to be canceled. However, after the facts of the situation are reviewed, you may be required to pay a higher premium for your policy upon renewal. Your personal Farmers agent will help you understand the potential increases if an accident does occur. Learn more about factors that can impact car insurance rates.

Does Farmers offer insurance for collectible autos or antique cars?

Yes, you can get a quote and purchase collectible auto insurance through your Farmers agent.