The Signal app is designed to run in the background and use minimal battery power. Battery usage can vary based on a couple of different variables, such as smartphone model and age of the phone. While recording trips, it uses less than 2% of your battery. Signal will stop collecting data when your remaining battery power falls below 10%.

No, Signal is designed to minimize the use of cellular data. Instead of using your cellular network to transmit most driving behavior results, Signal stores the data on your phone and transmits it only after a secure Wi-Fi connection is established. Brief trip summaries sent back to your phone may occur over Wi-Fi or cellular connections. Keeping Wi-Fi enabled helps reduce data usage and improve location accuracy and trip capture.

Signal works in the background on your phone to automatically record trips. The Signal app remains in a dormant, extremely low-power state in the background, which prevents the Android operating system from shutting it down. The Android operating system shows a notification for apps running in this manner. Clearing this notification will disable Signal and prevent trips from automatically being recorded.

Yes. The Signal app will not prevent you from using your phone at any time. However, we recommend focusing on the road when you’re driving. Using your phone will impact your focused driving score and may impact your renewal premium.

Yes. Signal is a stand-alone application and not affected by the use of a rideshare app. You can have both apps installed and running at the same time.

If you followed the manufacturer’s steps to back-up your phone or if your application data is saved on a cloud service, the Signal app should automatically install on your new phone. If the app has not been automatically installed or if you changed to a new cell phone number, you will need to contact your agent or our service representatives at 1-800-709-7821 to ensure you receive a new text message to install and download the app.

If you delete the app or your phone stops sending data for more than 60 days, you will be removed from the Signal program. Depending on the timing on when this happens, this could impact your initial Signal discount or your renewal Signal factor going forward.

Signal requires specific hardware and sensors for the app to function, such as location, network, an accelerometer, and a gyroscope. If your device does not meet the minimum standards, it cannot be used with Signal. In addition, the phone must be able to operate on Android 8.0 or newer or iOS 14.0 or newer.

1. Text 'Help' to 66593.
2. If you do not receive a response message back:

a. For Android: Confirm the setting to allow premium messages is enabled:

i. Go to Settings > Apps.

ii. Select the Settings icon.

iii. Select “Special access.”

iv. Select “Premium SMS access.”

v. Confirm it is set to “Allow.”

vi. If the prior steps do not work, reach out to your cell phone provider to see if short code messages are blocked.

b. For iPhone: Reach out to your cell phone provider to see if short code messages are blocked.

You can compare your individual driving behavior results to the average for other drivers by navigating to the More screen and selecting My Driving Behavior. Reviewing your individual driving behavior results is important as driving behavior results for all drivers using the Signal app will impact renewal premium.

See also: How is my Signal Factor calculated?

Distracted driving is considered any activity that shifts a driver's attention away from driving. Actions such as unlocking your device, touching the screen while the vehicle is in motion, making phone calls, texting, adjusting your navigation, clearing notifications, changing a song, etc. are considered distractions and are factored into your focused driving behavior results.

Signal differentiates between the following distracted behaviors:

• Phone in hand (e.g. texting while driving),
• Hand-held calls (e.g. phone calls made while holding your phone).

Tips to help improve your results:

• Set your device’s navigation route and music player prior to the start of a trip.
• Do not use or handle your device while driving, even when stopped.
• If you must use your phone while driving, use a hands-free option. 
• If you are not driving the vehicle, change the trip to Passenger or Other. See: How can I change a trip to Passenger?

Phone use while your vehicle is moving at less than 6 MPH should not count as a distracted event. However, phone use that occurs mid-trip or at the end of a trip while the vehicle is temporarily not in motion may count as a distracted event and impact your focused driving results. Remember, accidents can happen to you even when you are stopped. Giving your full attention to the road is to your benefit.

Hard braking events are determined by the accelerometer sensor on your mobile device that measures speed and changes in speed. Signal uses this information to determine if there are instances of speeding, tailgating, quick actions, etc.

Tips to help improve your results:

• Slow down sooner and at lower speeds.
• Occasional hard braking will happen. Signal looks at the big picture of your driving habits, so if you have to brake hard every now and then, it should not be a big factor overall. Signal is more concerned with excessive hard braking.
• Utilize a phone cradle to stabilize the device and increase accuracy as the sensors on the device may detect hard braking if your device moves around unnecessarily.
• Calibrate the accelerometer on your mobile device to increase accuracy.

Signal looks at what time of the day you drive and how often you drive during those time periods to determine your exposure to riskier drive times.

Tips to help improve your results:

• Try to avoid driving between 12:00 AM and 3:00 AM. Data shows that there tends to be a disproportionate amount of accidents at this time relative to the number of cars on the road.

Total mileage refers to the accumulation of miles you drive over the course of the year.

Tips to help improve your results:

• Look at options to drive less, if possible. Not only can this help improve your driving behavior results, it can help save you money on wear and tear, gas, etc.
• Consider alternative modes of transportation, such as carpooling, public transit, riding a bike, etc.

The Signal program affects your premium differently depending on how recently you’ve joined the program:

• At enrollment, an initial discount is applied to your policy. Once a driver in your household completes 10 trips within 30 days, this initial discount will apply for the length of your policy term. If none of the drivers in your household complete 10 trips within 30 days, the initial Signal discount will be removed from your policy.
• If you decide to opt out of the Signal program, or you stop transmitting data between the first 30 days and your first renewal term, you may see a premium increase on your next renewal.
• Near the end of each policy term with Signal, a Signal Renewal Factor will be calculated depending on your household’s driving behavior and participation in the Signal program. The factor is calculated on a rolling 6-month basis as long as each driver has taken more than 10 trips. Riskier driving behavior will raise your premium at renewal.

Your Signal Renewal Factor is based on the driving behaviors of each participating driver and household participation if at least one active driver has been active in the program for at least 90 days.

Note: To have an opportunity to receive the best Signal Renewal Factor, 100% participation is required from all household drivers. If there are drivers in the household who are enrolled in Signal, but not participating, they can impact  the Signal Renewal Factor.

The Signal Renewal Factor may increase or decrease based on the percentage of enrolled drivers on the policy using the app and the driving behavior results of all applicable drivers using the app. Riskier driving behavior will raise your premium at renewal.

Driving behaviors that factor into determining your Signal Renewal Factor include:

• Focused Driving
• Hard Brakes
• Time of Day (12am – 3am)
• Total Mileage

Note: Signal looks at the big picture of your driving habits. As more trips are captured, your driving behavior results will become even more in line with your overall driving patterns.

It’s possible that at least one driver was not active in the program for at least 90 days prior to your renewal offer being generated. If none of the drivers enrolled in Signal on your policy have been active in the program for at least 90 days, the initial discount earned will remain on the policy for one additional term, but no additional discount will be applied at renewal.

Most trips should appear in your app within 60 minutes; however, some trips may take longer than usual to upload, sometimes 24-48+ hours.

If trips are not showing up within a few days of downloading the app or take a while to appear, please adjust the following settings:

• Disable Power Saving Mode
• Enable Wi-Fi
• Enable Location for the Signal app – Set to Always Allow
• Enable Background App Refresh
• For Android: Turn Battery Optimization Off for the Signal app

Note: If you are finding that trips are not recording after multiple trips have been completed within 48 hours of each other or need additional details in adjusting these settings, please refer to the following FAQs:

• Why are my trips not recording on my iPhone?
• Why are my trips not recording on my Android device?

If you are still encountering issues, call our service representatives today at 1-800-709-7821.

There are critical settings that must be enabled for Signal to run in the background and accurately log trips. If some of these settings are turned off, trip data may not be recorded. Please see the information below on how to adjust settings.

Note: Navigation through settings may vary based on iOS.

Precise Location:

1. From your phone’s Home screen, tap Settings > Privacy & Security > Location Services.
2. Make sure that Location Services near the top of the screen is On; if not, toggle the switch to On.
3. Scroll down the list of apps to find Signal.
4. Tap the app.
5. Toggle the switch to On for Precise Location and “Always” is checked off.
   

Motion and Fitness:

1. From your phone’s Home screen, tap Settings > Privacy & Security > Motion & Fitness.
2. Make sure that Fitness Tracking near the top of the screen is On; if not, toggle the switch to On.
3. Scroll down the list of apps to Signal.
4. Make sure the App says On; if not, toggle the switch so Signal shows On.
   

Background App Refresh:

1. From your phone’s Home screen, tap Settings > General > Background App Refresh.
2. Make sure that Background App Refresh near the top of the screen is On and says Wi-Fi & Cellular Data in the grey box directly below.
3. Options include Off, Wi-Fi Only and On (or Wi-Fi and Cellular for an older iOS). If not, toggle the switch to On (or Wi-Fi and Cellular).
4. Scroll down the list of apps to Signal. Make sure the app says On. If not, toggle the switch so Signal shows On.
   

Tip: Make sure all permissions are enabled on your phone and keep Wi-Fi on. If you have a couple of trip dates or times that are not showing up or are showing incorrectly, we can investigate further into the issue for you if you call our service representatives today at 1-800-709-7821.

There are critical settings that must be enabled for Signal to run in the background and accurately log trips. If some of these settings are turned off, trip data may not be recorded or recorded correctly. Please see the information below on how to adjust settings. Note: Navigation may vary based on OS and device model.

Background & Mobile Data:

From your phone’s Home screen: Select Settings > Apps > Signal > Mobile data > Allow background data usage> ON.

Battery:

From your phone’s Home screen: Select Settings > Apps > Signal > Battery > select “Unrestricted”.

Wi-Fi:

From your phone’s Home screen: Select Settings > Network/Internet/Connections > Wi-Fi > ON.

Tip: Make sure all permissions are enabled on your phone and keep Wi-Fi on. If you have a couple of trip dates or times that are not showing up or are showing incorrectly, we can investigate further into the issue for you if you call our service representatives today at 1-800-709-7821.

To change trips to a different status, such as passenger or other, please see the instructions below:

1. From the Signal Home page, select the “All Trips” button from the Trips section.
2. From the Trips page, locate the trip and select the right arrow.
3. On the card at the bottom of the screen, select “Edit.”
4. Select the appropriate type (Driver, Passenger, or Not a Car), and select “Done.”

Note: Trips flagged as Passenger or an additional trip type will not count towards the calculation of the Signal Factor.

The app analyzes behaviors like how your phone rotates when you enter your vehicle to determine if you’re the driver. As more trips are captured, the app identifies the pattern in these behaviors, so your results will become more accurate and in line with your overall driving patterns.

If you allow passengers in the vehicle to use your phone while you are driving, this may impact your focused driving score as Signal is unable to identify who is using your phone at the time.

The Signal app collects information provided by the mobile device's sensors as well as signals from Wi-Fi, cellular, and GPS to track trips. Some trips may not be recorded due to brevity of the trip, a weak signal, or issues with the sensors. All of these can make it hard for the device to get an accurate lock on the location. If your phone has less than 10% battery, trips will not be recorded.

Note: Signal looks at the overall trends of the driving patterns, so if some trips are not captured, this should not significantly impact your Signal Renewal Factor. 

Please contact our support team at 1-800-709-7821 for assistance if you’re experiencing frequent problems.

See also: Why does some trip information seem incorrect?

Signal uses multiple sensors in the mobile device to determine trip data. Some things to consider:

• Ensure all required critical settings for Signal are enabled. See also:
  
  
  • Why are my trips not showing up or taking a while to appear?
  • Why are my trips not recording on my iPhone?
  • Why are my trips not recording on my Android device?
• Ensure the device has the latest updates for operating the system and Signal.
• Ensure the device is in a secured location to help improve sensor accuracy.
• If there is a weak cellular or GPS connection, there may be some information the device is unable to collect.

Note: Signal looks at the big picture of driving habits. Occasional inaccuracies should not significantly impact your Signal Renewal Factor.

See also: The app shows information that doesn’t match my driving. What should I do?

There is no need to start, stop, or display the app on your phone’s screen to record trips. Signal works in the background on your phone to automatically record trips.

The app works in the background to determine behaviors like how your phone rotates when you enter or exit your vehicle as well as the speed and location of your vehicle to identify the start or end of a trip. As more trips are captured, the app identifies the pattern in these behaviors, so your results will become even more in line with your overall driving patterns.

The app does not have a way of differentiating between business and personal trips. In order to prevent the app from recording business trips, you will need to log off the Signal app. Navigate to the More screen, select Settings, and select Log Out.

Due to privacy concerns, we do not display other drivers’ trips. The main focus of our app is to show you how you’re driving and if there is room for improvement.

Signal will display trips from the last 30 days within the trip page.

Note: If Signal is re-installed, the app will no longer display previous trips. The new app will also not show any trips completed in the previous Signal app.

CrashAssist is a voluntary feature included within the Signal app that uses the sensors in your mobile device to detect when a car crash may have occurred. If a potential crash is detected, the Signal app will send a push notification and an SMS message to verify if there has been a crash. If you confirm a crash has occurred and you need assistance, an emergency responder will contact you. If you are unable to respond, we will request emergency services at your location.

The CrashAssist feature has been refined using thousands of real-world car crashes and typically is able to detect the difference between a dropped device or hard braking and a car crash.

CrashAssist will not detect low-severity crashes such as light taps or fender benders. Additionally, technical issues with your phone may prevent a crash from being detected. Finally, crashes occurring at the start of a trip for up to half a mile may not be detected as the start of a trip may not yet register with the Signal application.

Critical settings must be enabled for Signal and CrashAssist to run properly. If some of these settings are turned off, trip data may not be recorded and CrashAssist will not function. Please refer to the following resources for information on how to adjust settings:

• Why are my trips not recording on my iPhone? 
• Why are my trips not recording on my Android device? 
• From the Signal Home screen, tap More > Tech Requirements.

Note: CrashAssist must be activated to detect crashes. To verify if CrashAssist is enabled or disabled, see How can I disable CrashAssist? 

If a crash is detected, CrashAssist will send you a push notification asking, “Were you in a crash?” If a crash did not occur, you may select “No” to indicate there was no crash. 

You can choose to disable CrashAssist at any time. To disable this feature, please follow the instructions below:

1. Navigate to the “More” tab within the Signal app.

2. Select “Settings.”

3. Next to CrashAssist, toggle the switch so it appears gray.

To verify that CrashAssist is disabled, the Location Marker should now be grayed out on the Signal Home screen.  Also, you will see the phrase “CrashAssist Disabled” on the CrashAssist tab. 

If you choose to delete and re-download the Signal app at a later point in time, the CrashAssist feature will default to ON. You will need to complete the steps above to disable CrashAssist again.

CrashAssist works with the mobile phone sensors to detect a crash. The phone’s gyroscope can sense fine-grained rotation. The magnetometer senses changes in the magnetic field. The barometer senses changes in pressure like when an airbag goes off. All these sensors processed together can detect when a car crash occurs.

If a crash is detected and the CrashAssist feature is activated, the Signal app will send you a push notification and a text message to verify if you were in a crash. If you do not respond to the notification or the text message within 60 seconds, you will receive two automated calls. If you answer either call, you will have the option to connect with a trained emergency responder who will, if requested, ask for emergency services at your location and/or connect you with roadside assistance. If you do not answer either automated call, a live responder will call to confirm if you need help. In the event they are unable to reach you, the responder will coordinate with emergency services to complete a wellness check based on your location.

Yes. Push notifications must be enabled for CrashAssist to work correctly. We recommend all Signal customers allow the permission to send push notifications so we can contact you in the event of a detected crash.

Due to privacy restrictions, other members of a household are not notified by the Signal app if a member of their household has been in a crash. Customers can send members of their household their location through the app if they so choose.

If you find yourself in a crash with another driver who is driving and not insured by Farmers, you may use the resources available within the Signal app to request assistance.

To add CrashAssist as a contact, please follow the instructions below: 

1. Navigate to the CrashAssist tab in the Signal app.
2. Click the “See how it works” button.
3. Take the CrashAssist tour. 
4. The last slide in the tour will prompt you to save the number for CrashAssist to your contacts.

The Signal Rewards program is designed to promote an increased awareness of distracted driving by offering qualifying customers the chance at a reward. Meeting the qualifications does not automatically make you a winner; instead, every customer who meets the qualifications for the given month is entered into a drawing, and everyone who qualifies has the same odds of winning. Likewise, the amount of the award is random. While the prize amounts may be $20, $50, or $100, this does not guarantee that there will be a $100 winner every month. The Sweepstakes and prizes vary by state and by month. For more information, please go to https://www.farmers.com/disclaimer/signal/rewards_sweepstakes_official_rules.html and navigate to your specific state.

The Signal app will not show trip details for other drivers in the household on your mobile device. The app will only show your own trip details. You will be able to see other drivers’ focused driving scores for the current month by navigating to the More screen and selecting “My Household.”

You will see all participating drivers in your household by going to More, then selecting “My Household.” Tap on the “Remind” button under the “Enrolled but Not Active” screen to send them a text message invite from your phone. If you do not see a driver from your household and that driver wants to participate, call your agent or our service representatives at 1-800-709-7821.

You can add a driver at any time who is not already enrolled by calling your agent or our service representatives at 1-800-709-7821.

You can contact your agent or call our service representatives at 1-800-709-7821 to ask to be removed from the program, or you can delete the app from your phone. Please note that depending on how long it’s been since you’ve enrolled in the Signal program and your most recent Signal Renewal Factor, you may see an increase in your premium.

If one or more drivers on your account did not have any activity with the Signal app for more than 60 days or the app was uninstalled, the individual’s participation will be removed. The account will be closed if there are no longer any active drivers on the account. Many times, no activity being tracked can be a result of the Signal app being uninstalled or a conflict with phone settings. If a driver needs to be re-enrolled in the program, please reach out to your Farmers agent or call us at 1-800-709-7821.

Access our Terms of Use and Privacy Policy for information.

Signal has access to two types of personal information. The first includes details you provided when you first enrolled in the program. The second is data Signal actively gathers to provide insights about your driving style.

All information collected from the Signal app will be treated in accordance with the Signal Privacy Policy and the Farmers Privacy Policy.

Please call your Farmers agent or our service representatives at 1-800-709-7821.