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Farmers Signal Review: How Much Can You Save (2021)

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 22, 2021

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Key Takeaways

  • Farmers Signal is a free program offered by Farmers Insurance
  • This program promotes safer driving by tracking driving behaviors via an app on your smartphone
  • As your driving behaviors improve, you earn discounts on your monthly premium

Are you searching for discounts for your Farmers car insurance policy? Signal by Farmers is a discount program designed to help customers save money on their monthly car insurance premiums.

The Signal program uses an app to track good and bad driving behaviors. The better and safer you drive, the more you can save, and who doesn’t love cheap car insurance?

Keep reading to learn more about how to add the program to your policy and how it works.

Not interested in keeping your existing car insurance? Check out other rates in your area by entering your ZIP code above.

What is Farmers Signal?

Farmers Signal is a discount program that is geared towards encouraging safer driving habits. Signal uses an app that is free to download to monitor various things while you are driving.

The app then tracks specific driving behaviors to rate how safely you drive. As you improve your habits and drive more defensively, you will earn larger discounts.

The point of the program is to encourage everyone to drive more safely. In doing so, not only can it save lives, but it also can help bring Farmers car insurance rates down as a whole.

The idea is that the safer everyone drives, the fewer accidents there are, which means lower rates for everyone.

How does Farmers Signal work?

If you are like most people, driving is just something you do. It’s muscle memory and practiced behaviors you don’t think about much anymore, especially once you have been driving for several years.

The Signal app is designed to help make you aware of negative driving habits you may have picked up over the years. To do that, it measures changes in your speed, when you drive, and for how long.

In total, Signal monitors five behavior categories:

  • Focused driving
  • Hard brakes
  • Excessive speed
  • Time of day
  • Total mileage.

Each of these categories is tied directly to behaviors that lead to more car crashes.

For example, according to the Insurance Information Institute, excessive speeding was the cause of more than 16% of fatal crashes back in 2018.

The first step in driving more safely is to be aware of where you can improve.

How does Farmers Signal save me money?

Signal gives you a rating at the end of every month based on your driving behaviors. According to Farmers auto insurance, you earn five percent off just by signing up for the program.

From there you can increase that discount to 15%. However, if you have younger drivers on your policy, ages 18 to 24, you can earn an additional 10%.

For an additional incentive, Farmers also has a monthly sweepstakes that gives you the chance to win a monetary reward when you have a score of 80% or better in the app’s focused driving category.

How do I add Signal to my car insurance policy?

If you are interested in adding the Signal program to your Farmers car insurance policy, the good news is that it’s a pretty simple process.

Simply contact your agent or log in to your account online, and you can request that the program be made available to you.

There are some jurisdictions and states that do not currently support the program. These include:

  • Hawaii
  • South Carolina
  • New York

Additionally, if you have car insurance in California, the discount is not available, but the program may be available, depending on your location.

If you are looking to save money with Farmers car insurance quotes, the Signal program is a great way to lower your car insurance premiums.

The program is free and immensely customer-friendly, with no strenuous sign-up process or any additional work for you to do once the app is downloaded.

It may be worth speaking with your agent about if you are in a participating location.

Is your current insurance too expensive, even with a discount? Enter your ZIP code below, and we will help you pull up affordable insurance rates from local providers.

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