By on July 9, 2011

So let’s say you don’t live in Washington or Oregon, and you don’t want to buy a GM vehicle, what do you do to save on car insurance? Easy: You say you drive it on your farm. Auto insurers offer farm-use discounts of up to 20 percent. And a lot of less-than-gentleman farmers harvest the savings.

Quality Planning verifies policyholder data for auto insurance companies. They looked at 80,000 vehicles for which the farm-use insurance discount was claimed. About 8 percent, or 6,382 vehicles, were housed in ZIP Codes where there is little or non agriculture. Porsche Carreras, Mercedes SL550s and BMW Z4 were found on farms that do not exist.

An Audi A4 classified as a farm vehicle was found in Brooklyn, N.Y. ($389 annual savings.) A Cadillac Seville in Los Angeles was listed as a farm vehicle (annual savings $61, some people cheat at all cost.)

According to Quality Planning, the virtual farmers cost the insurance industry $150 million a year.

Farm use is rarely verified, writes the Los Angeles Times. Sometimes it’s the customer who lies. Some brokers cheat to cut premiums to win business. While misrepresentation usually remains undetected and unpunished, it can bite the wannebe farmer painfully when the insurance is needed. If the alleged farmer is in an accident and the insurer discovers the misrepresentation, the company might deny the claim. And that’s no small potatoes.

Get the latest TTAC e-Newsletter!


29 Comments on “Cheat Until The Cows Come Home: Luxury Cars Insured As Farm Vehicles...”

  • avatar

    good Lamborghini also makes tractors…

    those people think they can outsmart the insurance, but the insurance actually outsmarts them. Even if the insurance gets less premium, they never have to pay a claim 9unless actually happening on the field.

    If it was really a problem for the insurance, they would just require some type of verification or signing of an affidavit whenever a regular car gets insured as farm vehicle.

    are the farm vehicles insured when i set them from field to field and need to cross a public street? most farms have some land not necessarily attached to their farm and then bring their vehicle there via public road. so when I’m a Washington “farmer” and have an accident in NY, i then say this was my route from field A to field B?

    • 0 avatar

      @HKL, it’s the same brand but a different company — like Volvo cars and Volvo trucks, or Rolls-Royce cars and Rolls-Royce aerospace.

      • 0 avatar

        I know.. the same way the queen drives a Rolls Royce and I’m on an airplane with rolls Royce engines… but th eisnurance guy may not know the difference when i make my claim..

  • avatar

    I see a lot of that around here. All manner of vehicles running around with those “farm use” plates you get from Tractor Supply. Typically an older pickup that truly might be used for farming making a run into town, but also see tricked out Civics and Camaros making the commute to work every day, and the occasional H2 or new F350 with more chrome and stainless than a yuppie wet dream kitchen.

  • avatar

    Hey Beretl, you shouldn’t post Davidsfarm videos. He’s a convicted pedo who uses the farm to lure in under age boys so he can molest them. He was making tons of $$$ off his youtube chanel until google shut him off for repeated account violations where he tried to get his fanboy army to go after his ex wives and children who he is not allowed to see. Just watch the 16:9 videos on those links below.

    • 0 avatar

      I don’t buy that “Google shut him off”. I found the video via Google on YouTube. But I don’t give a hoot about the video. Porsche towed by Volvo to Norwegian farm instead.

    • 0 avatar

      3800 get your facts straight. Yes, David Rock did inappropriate videotaping of his own kids, and yes that is bad news indeed. However, Youtube banned him because he “violated” the three strikes rule. The Davidsfarm haters banded together and selected videos – one was on his site but not even his – and pushed YT to declare it a violation. For those who may care about the whole story, just go to Wikipedia Dramatica. The whole story is there as you linked to but you need to view the whole story, not just cherry pick

      In the end David got hosed because he bragged about his income of 12K a month online. The haters wanted his shutdown, and sadly managed to do so. Moral of the story, Run Silent, Run Deep. He should have kept his mouth shut about the income. By Canadian law, Rock did his time for his bad deeds, and I’m not down playing them.

      But that he used the farm to entice kids to molest them is pure BS.

      Davidsfarm Rocks!!

      • 0 avatar
        Steven Lang

        It was a lot more than that husky.

        He did indeed violate a judge’s ruling and began to contact one of his ex’s. His taunting was left on her answering machine and it was done several times. David was arrested for this.

        In addition he released videos that encouraged other people to contact the ex and his molested son on his behalf. That was pretty damn low.

        Finally he had kids over his house for sleepovers and let a kid sit on his lap while driving the car on a bumpy dirt road. This was filmed on national tv.

        The behavior of this man was plain sick. He may have extraordinary talents and some of the people who despise him may have questionable motives. But that does not excuse in the least what he did in great part through his work on Youtube.

        I believe Youtube made the right decision. He violated the law, stalked his victims, and used Youtube as a means to terrorize people who should have been left alone. He also used the Youtube videos to bring young people into his house for sleepovers. Any pedo who does all this should be locked up… for a very long time.

        Sorry. As far as I’m concerned David Rock should be a persona non grata on Youtube and any other forum where he has access to people he can manipulate.

    • 0 avatar

      Bertel, you may want to err on the side of caution and just drop-kick 3800FAN’s above post before it escalates into a flame war about Davidsfarm’s past and present.

  • avatar

    Lots of FARM plates around here.. mostly on pickups too. Difference is, to get a FARM plate (and the corresponding insurance and registration discounts) here, you actually have to be the owner of a registered farm. Having a registered farm means you show gross farming income above $7000 on your income taxes.

    • 0 avatar

      Are you in Texas? I see that all the time here too. Farm plates are like antique vehicle plates. They cost a token amount but are only intended for occasional use, and not for everyday use. But I still see lots of “Farm Truck” plates on Cadillac Escalades and Lincoln Navigators. It’s one of my pet peeves. If you’re rich enough to afford one of these SUV’s, then you’re rich enough to afford regular registration for it. It never occurred to me that they might be cheating on the insurance too. Now I really AM mad!! Augh!!!!

  • avatar

    Someone told me in Germany A4s are all used as landscaping trailer vehicles and such, because trucks are more expensive.

  • avatar

    Didn’t the Hummer tax loophole start out something like this ? A rebate intended to allow small farmers to afford tractors and work trucks got hijacked by some Stockbrokers to allow them to line their own pockets when buying a SubUrban assault Vehicle.

  • avatar

    Farm is so passe’.

    Real men have compounds, bunkers, etc.

    • 0 avatar

      I’d guess that a large percentage of those compounds, bunkers, and such are indeed on farms, back where you can’t see them from the road.

      Washington doesn’t issue farm truck plates per se, but you can get a farm sticker for your truck plate. I suspect that the criteria are pretty strict, because they are seldom seen in western Washington, but common in eastern Washington where most of the big farms are.

    • 0 avatar

      +1 Obop

    • 0 avatar

      Also, farmers can order fertilizer without too much suspicion. In case you need some homemade explosives to help defend that compound or bunker.

  • avatar

    What happens when you have an accident in your “farm vehicle” Porsche on I-95? Don’t you have some explaining to the insurance company before geting paid? At minimum, the insurance company should add up the extra premiums on your “non-farm vehicle” and deduct from your settlement. Another possible resolution would be cancellation of your coverage for lying on the application.

    • 0 avatar

      The insurance company would retroactively cancel your policy (to the date of purchase), leaving you liable for all damages. At most they might refund any premiums you paid, but that’s it.

    • 0 avatar

      In the states that I checked, if you were using the Porsche to deliver goods to market, you’re legal. This reminds me of when a friend of mine owned an upscale restaurant. He’d receive deliveries of artisan cheesed via a courier. The well dressed couriers usually carried the cheeses in expensive looking aluminum cases. For the prices they were charging, they could have been making the delivery in a 911.

  • avatar

    I wondered why I see WRX with a Truck plate! I wonder if the reminents of the manure spreader etch the paint?

    • 0 avatar

      It’s a 4×4, and they probably needed the extra horsepower over the base model to properly tow the horse trailer. Come to think of it, they should have gone with the STi.

  • avatar

    Please allow me to apologize profusely for my ignorance in the world of pedophiles. Up until this erudite thread, I would have sworn a pedophile is a leg man. I shall leave this matter to parties more qualified …

  • avatar

    Reminds me of the time my ever-scheming Uncle (who was a farmer at the time) bought a Corvette and wrote it off on his taxes as a “Chevy two-door” for farm use. Got away with it too as far as I know.

  • avatar
    Greg Locock

    So go on, tell me. Why do farmers get a 20% discount? Are they demonstrably safer drivers than other of their age and driving experience (etc) in that locality?

Back to TopLeave a Reply

You must be logged in to post a comment.

Recent Comments

  • Vulpine: “EV owners contribute nothing to the roads they use.” Not totally true and it’s a matter...
  • chiefmonkey: They studied the global population of morons, and decided it was big enough to make this profitable.
  • TDIGuy: “Interestingly, Gazoo literally means “image” in Japanese” And in English, it was a little alien...
  • bikegoesbaa: I agree. If dealers are so valued and necessary then they have nothing to lose by dropping state...
  • THX1136: I remember when these came out that a lot of delivery (and other) places – flower shops, pizza places,...

New Car Research

Get a Free Dealer Quote


  • Contributors

  • Matthew Guy, Canada
  • Seth Parks, United States
  • Ronnie Schreiber, United States
  • Bozi Tatarevic, United States
  • Chris Tonn, United States
  • Corey Lewis, United States
  • Moderators

  • Adam Tonge, United States
  • Kyree Williams, United States