Farmers Auto Insurance Discounts (2024)
Unlock savings with our Farmers auto insurance discounts guide, featuring bundling, good student, and safe driver options to save up to 25%. Learn more.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Apr 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Farmers offers vehicle and policy discounts
- Farmers’ safe driving program may raise your insurance rates
- Safe driving will help lower your auto insurance rates
Farmers’ auto insurance policies offer various ways to save, from good student to safe driver discounts. Drivers who take advantage of several car insurance discounts can get many Farmers insurance policy perks.
You can get an insurance quote to determine if a potential insurer offers discounts and affordable car insurance for your budget.
Farmers Insurance Discounts for a Driver’s Behavior and Profile
Farmers has numerous discounts for drivers based on their driving habits and profiles. For example, drivers with a clean record or military service can earn a Farmers insurance discount. Take a look at the full list below.
- Affinity. Farmers will give discounts to qualifying employees, members, or retirees of certain groups or businesses.
- Homeowner. Homeowners can earn a small discount at Farmers.
- Military. Discount for active, retired, or honorably discharged veterans.
- Safe driver. To qualify for the safe driver discounts, you must have no bodily injury points on your insurance, which are injuries caused to others in a crash you caused.
- Senior driver. Drivers must be over 55 and complete a safe driving course.
- Signal. Farmers Signal is an app that rewards drivers with a discount for safe driving by tracking their driving behaviors.
It’s important to note that while Signal is a discount program for safe drivers, Farmers may raise a driver’s insurance rates if they perform poorly on the app. Therefore, reading about Signal before participating in the discount program is important.
Unlike other companies, Farmers doesn’t have a safe driving course for senior drivers. For example, AAA offers its own AAA mature driver course, making it simple for drivers to participate. This is something to consider when comparing Farmers vs. AAA.
At Farmers, you’ll have to contact a representative to find out which courses your insurer accepts for the senior discount and then send proof of completion.
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Young Driver Discounts with Farmers
Farmers has some discounts for younger drivers on their parents’ insurance policies. We’ve outlined all the discounts for young drivers below.
- Distant student. Students who live 100+ miles away from home and don’t use policy-covered family cars often could be eligible for the distant student discount.
- Good student. To qualify for a good student discount at Farmers, students must have a GPA of at least 3.0, be on the Dean’s List, Honor Roll, or be in the top 20% of their class or standardized testing.
- On-your-own. Young drivers under 29 who move into a new household may qualify for this discount.
- Youthful driver. Drivers under 25 qualify for the youthful driver discount.
Safe driving also goes a long way for young drivers who want reasonable rates through Farmers.
Farmers Driver Policy Discounts
Depending on your policy details, you may save a few dollars here and there with discounts for paying in full or going paperless.
- Electronic funds transfer. You can earn a small discount if you set up fully automatic monthly payments.
- ePolicy. Farmers will give you a small discount for going entirely paperless.
- Good payer. You can earn a small discount if you have no late fees within the last 12 months.
- Multi-car. You qualify for a multi-car discount if you have more than one car on your insurance policy.
- Multiple lines. Bundling other policies with your auto insurance — like home insurance — will earn you a bundling discount.
- Pay in full. You can earn a small discount if you pay your entire auto insurance premium in full at the beginning of the term.
While most discounts are small, it’s worth taking advantage of tiny discounts, like paperless or good payer, since they add up.
Vehicle Discounts with Farmers
Farmers offers numerous discounts for safety features and more on your vehicle. Take a look at them below.
- Alternative fuel. This discount is only available in California, but you can earn a discount if you have an alternative fuel vehicle.
- Anti-lock brakes. Farmers will provide a factory-installed anti-lock brakes auto insurance discount.
- Anti-theft. Farmers offers a discount if your car has alarms and other protective devices.
- Daytime running lights. You can earn a small discount if you have daytime running lights.
- Homing device. You can only get a discount if Farmers approves the homing system.
- Passive restraint. You may get a discount if you have automatic seat belts and air bags.
- Shared family car. You can get a shared family car discount when there are more active drivers than vehicles on a Farmers policy.
Discounts for protective vehicle features aren’t available in all states. If you’re still on the fence about Farmers, read our review of the best auto insurance companies to learn more about how Farmers compares to other car insurance companies.
Read More: How to Get an Anti-Theft Auto Insurance Discount
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Maximizing Savings with Farmers Insurance Discounts
Farmers Insurance offers an extensive range of discounts to cater to different drivers and households. Understanding these discounts can help you significantly lower your insurance premiums while maintaining the coverage you need.
Academic Achievements: The Power of Education in Saving
Farmers values the hard work of students and rewards academic achievements through its Good Student Discount. Eligible high school and college students can benefit from this discount by maintaining a high academic standard, usually a B average or equivalent. This is part of Farmers’ commitment to encourage academic excellence and responsible driving habits among young drivers.
Emphasizing Safety: Discounts for Responsible Drivers
For those committed to driving safely, Farmers offers several discounts that acknowledge your efforts. The Safe Driver Discount is available to drivers with a clean driving record, free from accidents and traffic violations over a specific period. Additionally, completing a Defensive Driving Course approved by Farmers can further reduce your premium, showcasing the insurer’s focus on road safety and continuous driver education.
Supporting Our Troops and First Responders
Farmers extends its gratitude to military personnel and first responders through dedicated discounts. The Military Discount and First Responder Discount are Farmers’ ways of thanking members of the armed forces and first responders for their service to the country and communities, offering them more affordable insurance options.
Rewarding Customer Loyalty and Multiple Policies
The Multi-Policy Discount is a significant advantage for customers who choose Farmers for more than just auto insurance. By bundling policies, such as auto with homeowners or renters insurance, customers can enjoy considerable savings. This benefit reflects Farmers’ appreciation for customer loyalty and the convenience of managing multiple policies under one roof.
Driving Habits and Lifestyle Discounts
Farmers recognizes that less frequent drivers present a lower risk. The Low Mileage Discount is tailored for those who drive fewer miles than the average, perhaps due to working from home or living close to their workplaces. Similarly, the Distant Student Discount supports families with students attending school far from home, offering relief from standard rates given the reduced risk.
Special Programs and Additional Savings
The Farmers YES Program (You’re Essential to Safety) rewards drivers for participating in programs designed to monitor and improve driving habits through technology. Meanwhile, the Affinity Discount is available to members of certain professional groups and associations, emphasizing Farmers’ commitment to serving communities and professions.
Comparing Farmers to the Competition
When evaluating Farmers vs. Safe Auto, it’s essential to consider not only the range of discounts each offers but also the specific needs of your household, your driving habits, and what you value most in an insurance provider. Both companies provide competitive discounts, but the right choice depends on which discounts apply to you and the overall value you’re getting from your policy.
How to Make the Most of Farmers Insurance Discounts
To ensure you’re maximizing the discounts available through Farmers, it’s advisable to regularly review your policy, maintain open communication with your agent, and inquire about any new discounts or programs that may apply to your situation. Keeping your driving record clean, updating your insurer on any significant changes in your driving habits, and combining policies can all contribute to substantial savings over time.
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How To Find Out Which Discounts You Qualify For
Finding out which discounts you qualify for with Farmers Insurance is a straightforward process designed to ensure you’re taking full advantage of the savings available to you. Here’s how to get started:
- Contact a Farmers Agent: The most direct way to discover which discounts you are eligible for is to speak with a Farmers insurance agent. Agents are well-versed in the ins and outs of discount qualifications and can provide personalized information based on your specific circumstances, including your driving record, the features of your vehicle, and your policy choices.
- Review Your Policy Online: If you already have a policy with Farmers, you can log in to your account on the Farmers website. Often, there are details about your current discounts and potentially other available discounts for which you might qualify based on your policy information.
- Explore Farmers’ Website: Farmers Insurance provides comprehensive details about discounts on their website. This resource can be incredibly useful for identifying discounts that may apply to you, such as the good student discount, multi-policy discount, or safe driver discount.
- Stay Updated: Insurance discounts and qualifications can change. It’s a good idea to regularly review your policy and touch base with your agent to ensure you’re not missing out on any new discounts that have become available.
- Provide Complete Information: When applying for insurance or updating your policy, giving complete and accurate information about your driving history, vehicle safety features, and any other factors can help ensure you’re receiving all the discounts for which you qualify.
The Final Word on Farmers Insurance Discounts
Farmers offers various discounts for customers, though discount availability varies by state.
If you’ve taken advantage of Farmers discounts and still find your insurance premium too expensive, comparing quotes is one of the best ways to find an affordable insurance policy. Use our free quote comparison tool to find your area’s best auto insurance rates.
Frequently Asked Questions
What are the different types of auto insurance discounts offered by Farmers?
Farmers offers various auto insurance discounts to help customers save on their premiums. Some of the common discounts include multi-policy discounts, safe driver discounts, good student discounts, and discounts for vehicles with safety features.
What is a multi-policy discount?
A multi-policy discount is a discount offered by Farmers to customers who have more than one insurance policy with them. For example, if you have both auto insurance and homeowners insurance with Farmers, you may qualify for a discount on both policies.
How can I qualify for a safe driver discount?
To qualify for a safe driver discount, you generally need to have a clean driving record with no accidents or traffic violations within a certain period. The specific requirements may vary, so it’s best to check with Farmers to see if you meet the criteria.
Do they offer good student discounts?
Yes, Farmers offers good student discounts for eligible students. Typically, to qualify for this discount, the student must maintain a certain grade point average (GPA), usually a B average or higher. Proof of the student’s academic performance, such as a report card or transcript, may be required.
What are vehicle safety feature discounts?
Vehicle safety feature discounts are offered by Farmers to customers whose vehicles are equipped with certain safety features. These features may include anti-lock brakes, airbags, anti-theft devices, and more. The discounts vary depending on the specific safety features installed in the vehicle.
Can I combine multiple discounts?
Yes, in most cases, you can combine multiple discounts offered by Farmers, as long as you meet the eligibility criteria for each discount. Combining discounts can help you maximize your savings on your auto insurance premiums.
How can I find out which discounts I qualify for?
The best way to find out which discounts you qualify for is to contact Farmers directly. Their representatives can provide you with detailed information about the available discounts and help you determine which ones you are eligible for based on your specific circumstances.
How does the Farmers good student discount work?
The Farmers good student discount is designed to reward students who maintain excellent academic performance. Eligible students, typically maintaining a B average or higher, can enjoy reduced premiums as recognition for their hard work and responsible behavior.
Can I combine the Farmers safe driver discount with other discounts?
Yes, the Farmers safe driver discount, awarded for maintaining a clean driving record, can often be combined with other discounts such as the multi-policy discount or the low mileage discount, allowing you to maximize your savings on your auto insurance premium.
What is the Farmers affinity discount, and how do I qualify?
The Farmers affinity discount is offered to members of certain professional groups, organizations, or associations. To qualify, you need to be a member of an eligible group. Contact Farmers directly to see if your organization is part of their affinity program.
Does Farmers offer a military discount, and who is eligible?
Yes, Farmers offers a military discount as a thank you to those who serve or have served in the armed forces. Active duty, veterans, and their families may qualify for this discount, depending on their state’s availability. It’s best to speak with a Farmers agent to confirm eligibility and discount availability.
How can young drivers save on Farmers auto insurance?
Young drivers can save through the Farmers student discount by maintaining good grades and also by enrolling in the Farmers YES Program, which focuses on encouraging safe driving habits. Additionally, the distant student discount may apply if the young driver attends school far from home.
What discounts does Farmers offer for vehicle safety features?
Farmers rewards drivers whose vehicles are equipped with safety features such as anti-lock brakes, airbags, and anti-theft devices. These discounts acknowledge the reduced risk presented by vehicles equipped with features that can prevent accidents or deter theft.
How does the Farmers defensive driving discount work?
Enrolling in and completing a defensive driving course approved by Farmers can qualify you for a discount. This discount is Farmers’ way of encouraging and rewarding drivers who take proactive steps to improve their driving skills and road safety awareness.
Is there a discount for low-mileage drivers with Farmers Insurance?
Yes, the Farmers low mileage discount is designed for drivers who clock fewer miles than the average, reflecting the decreased risk of accidents due to less time spent on the road. Eligibility criteria for this discount may vary, so it’s recommended to discuss your specific situation with a Farmers agent.
Can I get a discount on Farmers insurance if I bundle auto with home insurance?
Absolutely. Farmers offers a multi-policy discount to customers who bundle their auto insurance with other policies like home or life insurance. This discount not only simplifies your insurance needs under one provider but also offers significant savings.
What is the process for applying Farmers insurance discount codes?
Farmers insurance discount codes or promotional offers can be applied during the quote process or by speaking directly with a Farmers agent. It’s important to mention any discount codes you have to ensure you receive the applicable savings on your policy.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.