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When your car insurance bill goes up, switching providers can seem like the obvious answer. But choosing a policy based only on the lowest advertised price can be a mistake. The better question is whether you’re getting the right combination of coverage, discounts, service, and price for your situation.
Farmers is one of the major insurance companies available to U.S. drivers, offering auto insurance along with home and other types of coverage. Before you decide whether Farmers is right for you, here are seven things worth checking.
1. Compare Your Current Price With a Farmers Quote
The easiest way to determine whether switching makes sense is to compare actual prices.
Your premium depends on factors like your driving history, vehicle, location, and coverage selections. A price advertised to another driver may not be the price you receive.
Farmers currently advertises that drivers could save an average of $530 by switching – but actual savings vary by customer. Getting a personalized quote gives you something much more useful than a general estimate.
Get a Farmers car insurance quote
See what Farmers would actually charge for your specific vehicle, driving history, and location.
2. Check Which Coverage You Actually Need
Don’t compare policies on premium alone. A lower-priced policy may have different deductibles, limits, or optional coverage than your current one.
Before switching, compare:
- Liability limits
- Comprehensive and collision coverage
- Deductibles
- Uninsured or underinsured motorist coverage
- Optional protections (roadside assistance, rental reimbursement)
The goal isn’t simply to find the cheapest policy. It’s to find a policy that provides the protection you actually want at a reasonable price.
A $20 difference in monthly premium looks significant – until you realize the cheaper policy has a $1,000 higher deductible or half the liability coverage.
3. Look for Discounts You May Be Missing
Insurance discounts can make a meaningful difference in the final premium. Farmers lists discounts that may apply based on bundling, multiple vehicles, loyalty, and other policy or driver characteristics. Eligibility varies by location.
One option worth noting: Farmers says customers can save 10% or more by bundling home and auto policies – though actual savings and eligibility depend on your specific situation. When getting a quote, ask about every available discount before you decide.
4. Think About More Than Your Monthly Payment
Monthly premium is the easiest number to compare, but it’s not the most important one. When evaluating any policy, look at the full picture:
Annual premium + deductible + coverage limits + available discounts + policy features
A policy that’s slightly more expensive each month could offer coverage that makes significantly more sense for your vehicle and financial situation – especially if you’d ever need to file a claim.
5. Consider Bundling Home and Auto Insurance
If you already own a home or have renters insurance, it’s worth checking whether combining policies could reduce what you pay overall. Farmers specifically promotes bundling home and auto insurance and says customers can potentially save by placing multiple policies with the company.
Even if you’re primarily shopping for car insurance, requesting a bundled quote gives you another number to compare – and sometimes the savings are significant enough to matter.
6. Make Sure the Quote Matches Your Situation
A car insurance quote is only useful if the information going into it is accurate. Before requesting a quote, have the following ready:
- Driver’s license information for all household drivers
- Vehicle make, model, year, and VIN
- Current insurance provider and policy details
- Driving history (accidents, violations) for the past 3-5 years
The more accurate the information, the more reliable the resulting quote will be – and the less likely you are to face a different price at binding.
7. Don’t Automatically Stay With Your Current Insurer
Many drivers renew the same policy year after year without checking whether they’re still getting a competitive rate. But you don’t have to wait until your policy expires to compare alternatives.
Farmers notes that drivers can generally switch at any time, though cancellation fees may apply. It also recommends making sure your new policy begins before the old one ends so there’s no lapse in coverage. Comparison shopping takes less time than most people expect – and it’s the only way to know whether your current policy still makes sense.
What Kind of Driver Should Consider Farmers?
Farmers may be worth researching if you’re looking for:
- A major national insurance provider with broad availability
- Multiple insurance products under one company
- Potential home-and-auto bundling savings
- A variety of auto coverage options
- The option to get a quote online or through a local agent
Whether Farmers is the right choice ultimately depends on your individual circumstances and the quote you actually receive.
Before You Switch: Compare These 5 Numbers
When you receive a Farmers quote, place it next to your current policy and compare:
- Annual premium – what you’ll actually pay over the policy period
- Deductibles – how much you’d pay out of pocket after a covered claim
- Liability limits – are they comparable to your current policy?
- Coverage options – are you losing anything you currently value?
- Discounts – which are included, and which require additional eligibility?
This makes it much easier to compare policies based on value instead of price alone.
Ready to see what Farmers would charge?
You don’t have to guess whether switching could save you money. Get a quote in minutes and compare it to what you’re paying today.
Advertising & affiliate disclosure: FinanceJournal is a marketing and information service, not a lender, insurer, broker, contractor, or licensed professional, and does not perform the services described. This page may contain affiliate links, and we may be compensated when you connect with a partner – this may affect which offers or partners appear. Content is for general educational purposes only and is not financial, legal, medical, or professional advice. Products, pricing, availability, terms, and any guarantees are set by third-party providers and can change at any time. Verify details, licensing, and insurance directly with the provider before making a decision. Individual results and costs vary.