What is a Farm Vehicle discount?

A farm vehicle discount can save you up to 10% on car insurance for vehicles that you only drive a short distance in a small area.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 5, 2020

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Here's what you need to know...

  • If you use your vehicle for agricultural purposes, you may qualify for a special farm vehicle discount through some car insurance providers
  • Farm vehicles may qualify for numerous other discounts and special rates
  • If you live on a farm, consider shopping around to find the deal on car insurance and to take advantage of the most significant savings available through a farm insurance discount

Life on a farm can be simplistic and relaxed, but you still need to actively monitor your finances and live within a specific budget.

One of the expenses that you may keep a close eye on is your auto insurance premium, and this is because your car insurance premium can be rather expensive in comparison to many of your other expenses.

The good news is that if you use your vehicle for agricultural purposes, you may be able to qualify for a special farm vehicle discount that can help you to save money on car insurance.

Compare car insurance quotes today to find the best rate for the coverage you need! Enter your zip code above to begin.

Why Some Car Insurance Companies Offer a Farm Vehicle Discount

Many people traditionally use a vehicle to commute back and forth to work or school, and they often drive in densely populated areas.

These people may typically put more miles on their car each year than you put on your farm vehicle, and they also may be exposed to more dangerous driving situations because of the crowded urban traffic conditions.

Car insurance companies recognize that the conditions where you live and drive can play a major role in likelihood to be in an accident and to file a claim, and some car insurance companies offer a farm vehicle discount because of this.

Other Ways Living on a Farm Could Save You Money on Car Insurance

A farm vehicle discount is just one of several ways that living on a farm could affect the cost of your car insurance.

For example, you may qualify for a low mileage or infrequent driver discount because you live and work on the same property and put very few miles on your vehicle on a regular basis.

Remember that a farm vehicle discount may have very specific agricultural-use requirements that you may need to meet, but an infrequent driver discount may be based solely on the number of miles that you drive annually.

This is not the only farm-related factor that could potentially help you to save money on your car insurance policy.

Your zip code is statistically analyzed when you apply for new car insurance rates, and the accident and theft statistics are reviewed. Rural areas may have much better ratings in these two areas than densely populated urban areas.

Therefore, you may qualify for better rates on car insurance before the farm vehicle discount or other car insurance discounts are applied to your premium.

Other Types of Car Insurance Discounts to Look For

Remember that a farm vehicle discount is only one of many types of car insurance discounts that you may qualify for. You may also qualify for an auto insurance discount for:

You may be able to combine multiple discounts together with the farm vehicle discount to maximize the savings on your car insurance discount.

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Should you bundle your farm and car insurance?

When you shop around for a farm vehicle discount and look for the best rates available on your car or truck, you may consider looking for a quote from the same company that insures your home or farm property.

Bundling your car insurance with your farm or auto insurance policy may qualify you for a substantial discount, but you should be aware that this particular company may not offer a farm vehicle discount specifically.

Rather than only look at one quote for bundling your policies with your existing farm insurance company, consider getting multiple quotes for new farm vehicle and farm property coverage from established, reputable car insurance companies.

By asking for new quotes for both types of coverage, you may be able to identify the best possible savings opportunity.

Ensuring That You Buy the Right Coverage for Your Farm Vehicle

If you are buying farm insurance for the first time, you may be wondering what type of coverage you need to buy. If your vehicle will be driven on public roads at any point, it typically must comply with state liability insurance requirements.

Regardless of how your vehicle is driven, you also may have additional requirements in place through your auto lender. 

Remember that these are only minimum amounts of coverage that you should buy, and you may benefit from purchasing more than the minimum level of coverage for your farm vehicle in some cases.

Finding a Reputable Car Insurance Company to Buy Coverage From

While the cost of your insurance is undeniably important if you are living in a tight, farmer’s budget, you still need to focus your attention on getting the best deal possible on insurance from a reputable and trustworthy car insurance company.

After all, if you need to file a claim on your policy at some point in the future, you need to be able to depend on your auto insurance company to process the claim promptly and without hassle.

Review each provider’s credentials and financial strength closely before you finalize your decision about which company to buy your coverage from.

You may also read consumer reviews posted online to learn more about each company’s reputation in the area of customer service and attention to detail when serving customers.

What to Do If You Recently Bought a Farm Vehicle or Moved to a Farm

You may have recently bought a new farm vehicle, or you may have recently moved to a farm and transformed your vehicle into a farm vehicle.

For both of these situations, it is important that you take advantage of the opportunities to save money on your car insurance premium through a farm vehicle discount as well as through other potential money-saving options.

Spend time shopping around and comparing auto insurance rates for your farm vehicle today, and consider bundling your coverage with your farm for the maximum savings possible.

Start comparing rates right now by using our free comparison tool below.

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