Farmers Signal Review: Pros, Cons, & Alternatives

This Farmers Signal Review: Pros, Cons, & Alternatives review will cover Farmers Signal Review: Pros, Cons, & Alternatives ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Farmers Signal Review: Pros, Cons, & Alternatives A.M. Best rating is A. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

UPDATED: Mar 5, 2021Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Mar 5, 2021

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Company Details
Address: 1801 Broadway #1500
City: Denver
State: CO
ZIP Code: 80202
Phone Number: 1-888-327-6335
Year Founded: 1928
AM Best Rating: A
Company Rating 0 (0 reviews)

When you’re looking for ways to save money on car insurance, usage-based insurance programs are a great way to qualify for big discounts. Farmers Signal program, offered by Farmers insurance, is one option.

So what is Farmers Signal car insurance? Can you find affordable Farmers Signal car insurance? Is it worth it? How much can you save? Read this review to find out everything you need to know to decide if this program meets your needs.

Before we dive into this review on Signal by Farmers, why not take a minute and use your ZIP code in our free tool to start comparing quotes from insurance companies in your area right now?

What is Farmers Signal, and how does it work?

Farmers Signal program uses telematics data collected when you drive to determine your overall safety on the road. The more safely you drive, the better your discount.

How do you start getting discounts on your car insurance with Signal? When you’re looking to buy Farmers Signal car insurance, all you need to do is speak with your Farmers insurance agent.

They will get you enrolled and send you a link to download the Farmers Signal app. Once the app is downloaded, all you have to do is drive. The app does the rest.

The Signal app tracks your driving behavior and calculates a driving score, which determines your discount and additional benefits. So what data is collected and tracked when you’re behind the wheel? The app focuses on tracking your:

  • Distracted driving (it tracks phone usage while you’re driving)
  • Braking (harder braking may count against you)
  • Speed and acceleration (excessive speeding and quick acceleration may count against you)
  • Number of miles driven (driving less is better)
  • Time of day (driving at night may count against you)

All of these behaviors are taken into account when the app calculates your driving score (and your commensurate discount). The app also includes CrashAssist, a feature that uses sensors to determine if a crash has occurred.

When these sensors are activated, the app will send you a notification requesting confirmation of the crash. You’ll also be able to indicate whether or not you need emergency assistance.

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How much can you save with Farmers Signal, and is it worth it?

If you’re looking for average Farmers Signal car insurance quotes or Farmers Signal car insurance rates, you won’t find them because they’re too unique to individual drivers. However, Farmers does publish the discounts offered through Signal.

You’ll receive an initial 5 percent discount on your monthly rates just for enrolling and downloading the Signal app.

It’s important to note that normally, you won’t qualify for this 5 percent discount until you’ve completed 10 trips with the app downloaded, but this requirement has temporarily been suspended due to the COVID-19 pandemic and all that is necessary at this time is the app download and enrollment.

Depending on your driving score, you can also earn up to 15 percent off your rates at policy renewal and another 10 percent if you enroll any drivers in your household under 25 in the program.

Also, if your driving score stays at 80 percent or higher, you may qualify to win up to $100 cashback each month.

So not only can you save, but you can also get money back, so what’s the downside? The biggest concern many have with Signal (and other similar programs) is privacy.

In fact, according to the Insurance Information Institute, privacy concerns with telematic tracking are so significant that many states now require companies to provide specific information about what data is collected, and how it is collected, stored, and used.

Farmers Signal: The Bottom Line

With Farmers Signal, you can save 5 percent for signing up, up to 15 percent each time your policy renews, and even qualify for cashback, depending on your driving score, which is calculated based on the data collected on your regular driving habits.

To learn more about Farmers as an insurance company, take some time to read our Farmers auto insurance review.

Now that you’ve read our Farmers Signal review, use your ZIP code in the free tool on this page to start getting quotes for auto insurance from companies in your area today.

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