Farmers Car Insurance Review

The Farmers Car Insurance Company was established almost 90 years ago in 1928. Originally founded by John C. Tyler and Thomas E. Leavey as the “Farmers Automobile Inter-Insurance Exchange” in Los Angeles.

The company still maintains Los Angeles as headquarters to the Farmers Insurance Group we know today.

Operating in 41 States the Farmers insurance group is one the most well know car insurance companies in America – although often confused with State Farm Insurance. At present the Farmers Insurance Company provides a number of insurance and financial products including home, life and auto insurance, mutual funds and even restaurant insurance. The company has over 20,000 employees and 15 million customers nationwide.

In 1998 the farmer Insurance Group was acquired by Zurich Financial Services however with the exception of a small logo on the bottom right of the Farmers Car Insurance corporate website it seems obvious Zurich Financial Services has no intention of changing the brand.

Although Farmers started as a car insurance company, today the Farmer Insurance Group of companies includes a well diverse brand of companies including:

• Foremost Insurance Company
• Farmers New World Life Insurance Company
• The Bristol West Insurance Group
• The 21st Century Insurance and Financial Services Group
• The Farmers Action for Communities of Tomorrow
• Farmers Financial Solutions, LLC
• And more

How to get Car Insurance Discounts from Farmers Car Insurance Company?

Much like many of the major car insurance companies Farmers offers a wide range of car insurance discounts to customers depending on the state of issuance, your personal driving history, the car insured and more. Some of the possible auto insurance discounts a Farmers customer may be eligible for include:

• Occupational Group Discounts (Doctors, Nurses, Police, Firefighters, etc…)
• Retired Professionals
• Homeowners
• New Parents
• Good Students
• Teenagers / Young Drivers
• Air Bags
• Multi-Vehicle
• Multi-Policy
• And more!

How Stable is the Farmers Group?

The Farmers Insurance Group of Companies is America’s third-largest insurer of private Personal Lines for passenger automobile insurance and homeowners insurance – owned by Zurich Financial Services – one of the largest global financial companies known.

How to Contact Farmers Car Insurance?

One of the most pleasing factors about dealing with Farmers Car Insurance is the local presence of agents in almost every area of the nation. So in addition to having a toll free number to call and an online account management area its very possible a live Farmers Car Insurance agent is just around the corner.

Is Farmers Car Insurance Expensive?

Any car insurance company can have expensive policies however the Farmers group is very competitive in the marketplace and consumers often comment on how affordable their policies are.

Before comparing car insurance quotes take time to learn about the discounts available and general terms such as GAP Car Insurance and Comprehensive Coverage. Once you become familiar with some of the more common terms its quite possible to achieve even higher savings just by asking the right questions.

Farmers Insurance Customer Service

This is a key point many people make when writing Farmers Car Insurance Reviews. From our research it seems that customers often enjoy the premiums but feel like Farmers customer reviews are not as good as comparable car insurance companies.

The key to finding the best car insurance company is to educate yourself, ask around for referrals and take the time to compare not just the actual premiums but also intangible factors such as hours of operation, payment methods customer service and customer reviews. The more time you put researching a new car insurance company will make a difference should you need to submit a future claim.

There are many insurance companies to choose from. It’s tempting to choose the biggest name, but even among the big names there can be a large difference between companies. One large company, licensed in every state and with a long history, is Farmers Insurance.

Farmers Car Insurance Coverage Details

• Liability coverage will pay for damages to someone else’s property.
• Full coverage is available for both other people’s property damaged by a policy holder, and damage to the policy holders’ vehicle.
• Farmers Insurance has fine print that should be consulted regarding their full coverage programs. To best understand what is and is not covered, you customers should schedule a meeting with their insurance agent.
• Your car is covered, whether you are driving it or you let a friend cover it.

Farmers Car Insurance Discount List

There are many ways to save money with Farmers. When talking to your agent, be sure to explore all these possibilities, and see if there are any others you qualify for.

• Certain occupations, such as doctors, RN’s, dentists, teachers, police, firefighters and others receive discounts
• Retirees
• Homeowners
• New parents
• Good students
• Air bags
• Multiple autos
• Have multiple policies such as for home and life insurance, as well as car insurance with Farmers.
• Other discounts available in some states include discounts for cars that use alternative fuel, distant students, early shopping, and electronic funds transfer discounts.

Farmers Insurance Special Programs

• Farmers cares about their customers, and they care about keeping teen drivers. Another discount is available for teenage drivers who participate in the Y.E.S. program. The You’re Essential to Safety Program is a driver education program. A video can be found online, and the follow-up will help teens understand important safety issues. The questionnaire is one small part of the program. They will be exposed to facts, stories and people who have made the wrong choices while behind the wheel and had to pay the consequences.
• Accident Forgiveness is available. The Farmers program will forgive one accident that occurs in a three year period.
• New Car Pledge will help you replace any totaled car less than two years old with a new car.
• Personal Umbrella Insurance is available as a supplement for liability insurance.
• Emergency Roadside Assistance is available 24 hours a day, 7 days a week to keep you moving and safe.
• Extended Customized Equipment Coverage also offers coverage for your CD’s and other other radio equipment.
• Windshield glass repair
• Car rental reimbursement

Stopping Fraud

Farmers Insurance recognizes that fraud creates higher premiums for everyone. They work to keep premiums low for their customers by actively fighting fraud.

• A network of reliable auto repair shops are available for providing customers with high quality repairs at competitive prices.
• Frivolous lawsuits are fully opposed.
• An active Anti Fraud unit is used to help prevent fraud.
• Youth driving safety education programs for parents of young drivers.

Farmers Motorcycle and RV Coverage

When you choose Farmers, you can insure both your car and your bike with them. They offer insurance for cruisers, touring bikes, trike conversion, classic bikes, custom bikes and sport cycles. They can also provide you with insurance for your travel trailer, motorhome, boat, and ATV.

Farmers Insurance Financial Stability

Farmers does not have the highest rating in the financial area. They are considered to be stable, which is not the worst but leaves some room for improvement.

• A.M.Best rating is stable, or a B+.
• JD Power gives Farmers 3 stars out of 5 for overall satisfaction and ease of contact. In the areas of policy offerings, billing and pricing the company gives them a rating of 2 out of 5.

When choosing a car insurance company, take the time to research both the company and their offerings. Farmers is very competitive with their discounts. Their special features set them aside from many other companies. To fully understand the company and your coverage, take the time to meet with an agent.

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