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How Many Times Can You Use Farmers Insurance Towing Benefits?: Quick Guide
Quick Answer: Farmers Insurance typically allows 3-4 towing service calls per policy year, depending on your coverage level. Basic roadside assistance usually covers 3 calls, while enhanced plans may offer 4 or more. Check your policy declarations page for exact limits.
What To Do
- Check your policy documents for the exact number of towing calls allowed per year
- Call Farmers at 1-800-435-7764 to verify remaining uses on your current policy period
- Request towing service through the Farmers mobile app or by calling the roadside assistance number
- Keep track of usage by saving service confirmation numbers and dates
- Consider upgrading coverage if you frequently need towing services
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What Your Policy Typically Covers
Standard Roadside Assistance:
- 3 towing calls per policy year
- Up to 15 miles towing distance
- Resets on your policy renewal date
Enhanced Coverage Options:
- 4+ towing calls per year
- Extended towing distances (up to 100 miles)
- Higher reimbursement limits
Usage Resets:
- Annual reset on policy renewal date
- Not calendar year based
- Unused calls don’t roll over
What It Might Cost
- With coverage: $0 per incident (within policy limits)
- After limits exceeded: $75-150 per tow depending on distance
- Coverage upgrade: Usually $20-40 per year additional premium
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Stay Safe
• Don’t wait to call if you’ve used previous tows this year • Verify your remaining benefits before requesting service • Keep your policy number and VIN handy when calling • Consider the distance to avoid unexpected charges • Never assume you have coverage without checking first
Need roadside help? Visit Tow With The Flow for real answers when your car breaks down.