1. Gather the required details
Have these items ready for each driver and vehicle to keep the quote under 10 minutes:
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Driver info – full name, DOB, address, phone, driver’s-license number, driving history, commute habits, and any current insurance.
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Vehicle info – year/make/model, VIN, purchase date, current mileage, and loan / lease details if applicable.
2. Get a personalized rate online, by phone, or through a local agent
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Enter your ZIP at Farmers.com/auto and click “Check My Price” for the self-service path.
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Prefer help? Call 1-800-515-7406 or tap “Find a Farmers Agent” to hand the process off without affecting price.
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The quote tool says you can see a firm rate “in about 10 minutes.”
3. Tailor coverages and stack discounts
Adjust liability limits, add collision/comprehensive or extras (roadside, rental, rideshare), and watch the premium update in real time.
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Explore 20-plus discounts—multi-policy, homeowner, anti-theft, and more.
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Enroll in Signal® for an immediate sign-up discount and potential safe-driving rewards tracked by the mobile app.
4. Lock in the policy with your first payment
Choose pay-in-full or monthly billing and submit at least the first installment; Farmers activates coverage once the payment posts, and future bills can be handled online, in-app, by phone, or with your agent.
5. Download digital ID cards and manage your policy 24/7
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Your proof of insurance appears instantly in the Farmers Mobile app—add it to Apple Wallet or view/print on Farmers.com.
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From the app you can file claims, request roadside assistance, adjust coverages, or chat with your agent anytime.
That’s it: five quick steps from quote to coverage, all without leaving home—yet you can hand things off to a “real” Farmers agent at any stage for the same price if you prefer personal guidance.
Full review of Farmers Auto Insurance: Premium Price, Premium Perks
At a Glance
| Metric | Farmers | Industry Avg. | Why It Matters |
|---|---|---|---|
| AM Best rating | A (Excellent) | A- | Financial strength to pay claims |
| 2025 market share | 3.76 % (6th) | — | National reach, stable carrier |
| NAIC complaint index (2023) | < 1.00 | 1.00 | Fewer complaints than expected |
| J.D. Power 2024 (Claims) | 8 / 21 | — | Above-average satisfaction |
| Avg. full-coverage premium | $3,283–$3,858 | ≈ $2,700 | 22–67 % higher |
Coverage Basics & Key Add-Ons
Standard coverage: liability, collision, comprehensive, medical payments, uninsured/underinsured motorist.
Optional Perks
| Add-on | What It Does |
|---|---|
| New Car Replacement | Replaces a totaled car ≤ 2 yrs/24k miles with new model |
| Accident Forgiveness | One at-fault crash waived every 3 policy years |
| Residual Debt (quasi-GAP) | Pays up to +25% of ACV toward loan/lease balance |
| OEM Parts Guarantee | Repairs with original manufacturer parts |
| Diminishing Deductible | –$50 per 6 months claim-free (max –$500) |
| Loss of Use Cash | Daily payout while the car is being fixed |
| Rideshare Endorsement | Extends coverage during Uber/Lyft “app-on” time |
| 24/7 Roadside | Access to 20,000 tow trucks and 10,000 locksmiths |
Telematics: Signal®
- 5% instant discount after 10 trips, up to 30% at renewal
- CrashAssist auto-detects accidents
- Poor driving can erase discounts or raise rates where allowed
What It Costs—and How to Cut It
Average full coverage runs $3,300–$3,900 a year—20–60% more than Geico, Progressive, or State Farm. To reduce costs:
- Bundle home or renters insurance (15–20% off)
- Insure multiple vehicles
- Qualify for good-student, military, anti-theft, or paperless discounts
- Earn high Signal scores or drive less
Claims & Digital Tools
File claims 24/7 via app, web, or 800-435-7764. You can choose any repair shop or use Farmers’ certified network, featuring a lifetime workmanship guarantee. Track claims in real time and receive payments via direct deposit. Average first contact within 48 hours; typical claim resolution within 7–10 days (company data).
Strengths
- Customizable options like OEM parts, loss-of-use cash, and diminishing deductibles
- Up to 30% telematics savings with included crash detection
- Fewer regulator complaints than peers
- Strong claims satisfaction and an A-rated financial footing
Limitations
- Premiums remain high even after discounts
- Not available in AK, DE, FL, HI, ME, NH, RI, VT, WV, or D.C. (available in 42 states)
- Residual Debt coverage maxes at 25% over ACV; no full GAP offered
- Poor driving performance can reduce or eliminate telematics savings
Who Benefits Most
- Low-mileage or defensive drivers confident in their Signal score
- New-car owners seeking replacement cost and OEM parts coverage
- Households bundling multiple policies for savings
- Part-time rideshare drivers needing simple “app-on” coverage
- Drivers who value perks more than the absolute lowest price
Bottom Line
Farmers offers premium-priced insurance loaded with extras. If you bundle policies, drive safely, and make the most of Signal, you can soften the cost difference. Without these strategies, Farmers is likely pricier than many competitors. Compare quotes carefully and weigh perks against price to see if Farmers fits your budget and coverage needs.