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Before you switch completely, consider any other policies you have with Farmers. You mentioned having term life, homeowner’s (on a rental), and renter’s insurance with them. If you cancel your auto insurance with Farmers, you will likely lose your multi-policy discount, which could cause your home premium to increase. You should definitely check with Farmers about how canceling your auto policy would affect the cost of your other insurance policies.
It’s interesting that you feel Farmers has better customer service and claims processing based on a past experience. Some people consider Farmers to be a “luxury brand” in insurance, suggesting you pay more for having an agent available and potentially higher quality services. However, the unfortunate truth is that most insurers don’t offer loyalty discounts, but new customers often get discounts, which might explain the lower Geico quote.
Make absolutely sure you are comparing “apples to apples” when looking at the quotes. It’s easy to overlook a different deductible or a feature that might be present in one quote but not the other.
For example, you mentioned Geico doesn’t offer no deductible glass for free, while Farmers might. These small differences in coverage can impact the price, so double-check every line item on both quotes.
Sometimes, a company’s pricing can reflect whether or not you fit their “target demographic”. If Farmers’ quote is significantly higher than others, it could be that they are not actively trying to attract customers with your specific profile. In my experience, if a quote is “outrageously expensive,” the company might be subtly indicating that you’re not their preferred customer.
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