Car Insurance Options for Your Unique Needs
Understand the common types of auto coverage and get the insurance you want, to fit your budget.
A typical Car insurance policy covers you from having to pay for damages you cause. For truly personalized coverage though, Farmers goes beyond the basics. We offer extra options designed to safeguard you from unexpected losses, coverage gaps. and everyday issues on the road of life. For instance, our coverage options let you customize your policy and cover yourself from:
Customize your policy with coverage options that fit your needs, like:
New Car Pledge
Just get a new car? Make sure it’s covered with this option! If your car is totaled in the first 2 model years (or 24,000 miles) of ownership, we pledge to replace it with a brand new model (less any applicable deductible). If you need minor repairs too, Farmers makes sure they only use original manufacturer parts (if available).
You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.
Small Claim Forgiveness
Cause a little fender bender, and worried your rate may go up? With this option, your rates will never change because of a small accident even if it’s your fault.
Get a speeding ticket or roll through a stop sign? These things happen, even to good drivers. That’s why, with this option, Farmers won’t increase your rates for getting a citation, as long no one files a claim.*
Loss of Use
Can’t use your car after an accident and need to use public transit, cabs, or a rental to get around? With this Loss of Use option, Farmers will reimburse you with a flat sum for any travel expenses you incur. If your car is totaled, Farmers can reimburse you for the loss of the use of your vehicle, based on a per day and maximum limit amount.
No Fault, No Foul
If someone else caused the accident, your rates shouldn’t go up, right? Farmers knows that accidents aren’t always your fault. That’s why your rate remains unchanged when you’re not at fault for an accident that occurs while your Farmers policy is in force.*