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. ..Get the coverage you need for your vehicle at a price
you can afford....
You can apply for coverage in person, over the phone, and now online.
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Farmers Auto Insurance
Auto insurance is a must in
California, but how do you
choose the right coverage for you?
Farmers can help with our local and knowledgeable
agents and two coverage options — Farmers Insurance
Exchange and Mid Century. Your agent can help you identify
any potential overlaps or gaps in your coverage — and
identify any discounts you may qualify for. It’s all part
of the professional, personal service offered by your
Farmers agent.
Bodily Injury and Property Damage
This coverage pays for bodily injuries to other people
or damage to their property, if you are liable. It pays
whether your car is driven by you, a qualified family
member, or another driver using your car with your
permission. In some cases, you’re even covered in a car
you borrow or rent temporarily. You select the
monetary limits of your own policy.
Uninsured Motorist
Bodily injuries to you, qualified family members, and
any other person occupying your covered vehicle,
caused by an uninsured motorist or a hit-and-run
driver, will be paid with this coverage. Uninsured
property damage coverage is also available. You have
the option to carry Uninsured Motorist coverage up to
the same limits carried for Bodily Injury.
Medical
Reasonable medical expenses arising from an auto
accident, regardless of fault, for you, qualified family
members or passengers, are paid through this
coverage.
Our medical coverage also pays such expenses for you
and qualified family members while in a non-owned
car or if hit by a car — as well as funeral expenses —
up to a specified amount.
Comprehensive
With comprehensive coverage, damage to your car
will be paid except when it is caused by collision or
upset. Coverage includes damage from such causes as
fire, vandalism, windstorm, falling objects, animals,
water or flood.
Collision
Collision covers all accidental damage to your car by
collision with any object or by upset. Coverage
includes up to $200 for damage to your clothing or
luggage while in the car. It pays up to the actual cash
value of your vehicle, less the deductible you select.
Rental Reimbursement
Rental Reimbursement coverage is designed to
reimburse you for the actual expenses incurred for the
daily rental rate. It also covers associated taxes
resulting from a rental used as a substitute car as a
result of a collision or cause of loss covered by
Comprehensive coverage. Your car must not be
available for normal use for more than 24 hours. This
coverage cannot be purchased if Loss of Use coverage
has already been selected.
Loss of Use (optional)
Includes car rental and travel expense
With this option, we’ll pay up to $50 a day, up to
$1,000 total, while your car is being repaired for
collision damage or comprehensive loss (except plan
K-1) in excess of your deductible, depending on the
plan you select. If your car is a total loss due to a
collision or comprehensive loss (except plan K-1),
we’ll pay up to $1,000, depending on the plan you
select.
Towing and Road Service (optional)
With just one toll-free call, Farmers service
representatives across the United States and Canada
will help get you back on the road quickly and safely.
You can just sign for reasonable and necessary services
up to $150 – no need for cash, check or credit card.
(Charges over $150 should be submitted to your
Farmers agent for reimbursement.)
Additional Liability
Any expenses in a lawsuit we defend on your behalf,
such as court costs, attorney fees, investigator fees,
expense of witnesses and witness fees, will be paid.
Our liability coverage also pays expenses you incur at
Farmers’ request, including actual loss of wages, subject
to the contract limits. It also pays the premium on
appeal bonds, bonds to release attachments, and up to
$300 for the cost of bail bonds.
Emergency first aid
The expenses you incur for immediate first aid for
others necessary at the time of an accident resulting in
bodily injury in which you’re involved will be paid with
this coverage.
Auto Loan/Lease Coverage (optional)
This coverage pays the additional cost of terminating a
loan or lease on your vehicle in the event of a total loss,
up to 25 percent of the actual cash value of the vehicle
at the time of loss.
Trailers
Secure coverage against liability claims while towing a
trailer designed for use with a private passenger car.
Rating plans
You may qualify for one of our special rating plans,
designed to reward you for your years of safe driving
experience. Ask your Farmers agent how you can save.
Discounts
Discounts such as Good Driver, Passive Restraint,
Good Student, Multi-Car, Antilock Brake, Business
and Professional Groups, Anti-Theft, Auto/Home,
Auto/Renter and Alternative Fuel Vehicles may be
available. Your Farmers agent has more details.
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