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Farmers Car Insurance Discount Programs

Farmers Car Insurance offers discount programs to meet the needs of many different kinds of drivers. From senior citizens to adolescents, everyone can find a way to keep their insurance rates down with Farmers.

Safer Driving Means Lower Rates

Every driver has the potential to qualify for safe driving discounts. If you can avoid being involved in a car accident or being issued a moving violation for three consecutive years, your car insurance rates will automatically be lower at Farmers. This discount is applied immediately when you sign up for your new insurance policy. As you experience more time without making a claim, your discount will increase. Farmers can apply the safe driver discount in conjunction with many of the other discounts they offer.

Discounts for Occupational Groups

People employed in certain careers are eligible for car insurance discounts through Farmers. Police, firefighters, doctors, and nurses are just a few of the occupational groups that enjoy special car insurance discounts. Farmers looks at most people who work in careers that directly serve the public or the community differently. The company rewards them for their hard work and commitment with a reduced rate on their car insurance coverage. Talk to your agent about possible occupational discounts you may qualify for based on your current employment. You may not realize that you can receive a discount solely because of your chosen profession.

Academic Excellence Discounts

Farmers offers special discounts to high school and college students who can maintain a B average each semester. College students must be enrolled full time to receive this discount. All students will be required to provide proof of their grades after each semester in order to continue receiving this discount. The good student discount is a nice way to offset the higher rates most adolescents and young adults are required to pay for their car insurance coverage. If a student is responsible enough to maintain good grades, he or she is probably responsible enough to avoid reckless behavior behind the wheel.

Vehicle Safety

You can lower your car insurance rates by making your car safer for you and your passengers. Common safety upgrades like anti-lock brakes and passenger airbags can greatly reduce the severity of injuries if you are involved in an accident. Farmers offers discounts for drivers who take the initiative and make their cars as safe as possible. Injury claims are some of the most expensive claims a car insurance company has to pay, because the medical bills can sometimes go on for years. If the car is safer, the injuries may be avoided entirely. You can protect yourself and save money on your car insurance at the same time.

Homeowner Discounts

Farmers offers a discount for any driver who owns a home. Home ownership is a sign of stability that usually indicates a more reasoned approach toward life. Insurance companies believe a homeowner will behave more responsibly behind the wheel, which should lead to fewer accidents or car insurance claims. Since the insurance company rates homeowners as lower risks, homeowners can take advantage of lower rates for their car insurance coverage. Make sure you let your insurance company know if you purchase a house while you are covered. You may be able to begin taking advantage of this discount right away.

Discounts for Retired Professionals

Retired professionals have earned a discount through Farmers insurance because of their long experience behind the wheel. When people are stable enough to work at their jobs until they can retire, that stability is often reflected in their driving style. Retired professionals also tend to drive fewer miles than those who are still actively in the work force. This combination of stability and less driving usually leads to fewer opportunities for a driver to be involved in an accident. Farmers offers this discount because retired professionals are at a lower risk for making an insurance claim.

Multiple Vehicles or Multiple Policies

You can also receive a discount through Farmers if you choose to insure additional vehicles on the same policy. If someone in your household drives a car, you will both save money on your insurance costs if you both sign up through Farmers. You can save money on home insurance and life insurance if you carry one or more policies through Farmers, as well. The more cars or policies you consolidate through your Farmer's account, the more savings you will experience on each type of insurance policy you and your family need.