Optional Coverage

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).

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.footer note*

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.

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.footer note*

Farmers won’t increase your rate if your vehicle is stolen or damaged by bad weather.

Personal Liability Umbrella insurance supplements the liability coverage you already have on your Auto and Homeowners policies, providing an extra layer of coverage. (Your Auto policy must have certain limits in order for you to qualify for an Umbrella policy.)

If you’re ever broken down on the road, Farmers is here with 24/7 access to roadside assistance through Farmers Claim Services. You'll get:

• Towing to the nearest qualified repair facility

• Locksmith services

• Battery "jump start"

• Other repairs performed right where your vehicle breaks down. (Farmers will be billed directly for this service in most cases.)

From a tiny crack to a completely smashed window, glass damage to your car can be frustrating! That’s why Farmers Claim Services can help quickly connect you with a reputable vehicle glass company in your area, to get things fixed fast. Benefits include:

• Convenient mobile response wherever you are; home, school or office
• Quality service and materials from a trusted source
• 24/7 scheduling
• National lifetime warranty good for as long as you own or lease your car

If you need a rental vehicle after an accident, trust Farmers Auto Rental Service! We’ll use our network of pre-screened, nationally-known rental car companies to find you a quality car quickly. They even offer free pickup and delivery, direct billing to Farmers, and an automatic deposit waiver.footer note*

If you customized your ride with a new stereo system, subwoofer, chrome rims, spinners, or a similar feature, you may not be covered if they’re damaged or stolen. That’s why Farmers offers this option, to expand your Auto coverage for optional equipment not permanently installed in your car.

Farmers Rideshare makes it easy for rideshare drivers to have seamless protection. Your personal auto insurance policy wasn’t designed to provide you with coverage when you are working as a rideshare driver with companies like Uber. And, rideshare companies’ full commercial coverage doesn’t apply until you accept a ride. With Farmers Rideshare, you can avoid a potential gap in coverage by extending your personal auto insurance coverage when you are logged in and waiting to be matched with your next rider.