Farmers rating: 4 out of 5 stars Best for: Types of insurance Farmers car insurance offers many coverage types, including accident forgiveness, new car replacement, and a vanishing deductible. It’s also one of the few insurers that covers custom parts and aftermarket upgrades — think rims, infotainment systems, or light bars — as long as you’ve got collision and comprehensive coverage. Rates are right around the national average, and with 18 discounts, you may be able to bring your premium down even mor ...