Compare Farmers vs. Titan Insurance

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Which Company Will Save You the Most Money?

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Farmers and Titan are two strong competitors in the auto insurance world. These companies were founded just three years apart— Titan in 1925 and Farmers in 1928. While, Titan is best known for their flexible payment plans, they lack resources and sometimes charge hidden fees.

Whereas, Farmers has a good variety of discounts and coverage options, but lacks good learning materials and 24/7 customer service. Still, both Farmers and Titan are well ranked by J.D. Power and have excellent financial strength. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Farmers Titan
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Titan
  • You want a lot of discounts and flexible payment plans
Worst If Farmers
  • You want slick online tools to manage your policy
Titan
  • You want to file a claim online (you can only file claims by phone with Titan)

Special Car Insurance Discounts

Farmers Titan
Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

Titan

Association Membership is a discount that is granted to customers who are active members of any club specifically recognized by Titan.

The Advance Quote Discount is given to those who get insurance quotes eight or more days before their current policy expires.

The Farm Use Discount helps save money when you add agricultural vehicles in your possession to your auto insurance policy.

Travelink Discount applies only to collision coverage and a vehicle that is individually owned by an employee whose employer is participating in an approved traffic mitigation program. Annual recertification is required.

EFT Discount saves you money when you opt to pay your monthly insurance premium electronically. Less paper wasted, more money saved!

Standard Car Insurance Discounts

Bundling Coverage Discounts Farmers Titan
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Farmers Titan
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Farmers Titan
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Farmers Titan
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Farmers Titan
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Farmers Titan
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Farmers Car Insurance Titan Insurance
2016 167 1
2015 262 4
2014 237 4
2013 300 1

U.S. Auto Insurance Shopping Study (2016)

Farmers Car Insurance Titan Insurance
Overall Purchase Experience Average Average
Policy Offerings Average Average
Pricing Average Average
Local Agent Average Average
Call Center Representative -- Average
Insurer Website Below average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Farmers Car Insurance Titan Insurance
Overall Satisfaction Average Above average
First Notice of Loss Average Above average
Service Interaction Above average Above average
Appraisal Average Above average
Repair Process Average Above average
Rental Car Experience Average Average
Settlement Average Average

Financial Strength Ratings

Farmers Car Insurance Titan Insurance
A.M. Best A A+
Moody's Aa3 --
S&P's A+ --

Mobile Apps

Farmers Titan
Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

Titan

Titan Mobile allows you to find a local insurance agent, view your policy, pay premiums, and even get instant help with a claim. To download the app for iPhone or Android, click here

Roadside Assistance

Farmers Titan
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services. 

Titan

Titan Emergency Roadside Assistance

Adding roadside coverage to your auto policy can greatly benefit you out on the road. Titan works with a network of nationwide roadside service providers to give you 24/7 coverage in the event of a breakdown. Roadside Assistance is purchased as an addition to your existing insurance policy with Titan.

Roadside assistance services include:

  • Towing
  • Tire change
  • Battery jump start
  • Gas delivery
  • Lock-out service
  • Vehicle extrication -(winching)