Farmers Car Insurance Review

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Key takeaways...
  • Farmers Car Insurance Company was founded in 1928
  • Farmers operates in 41 states but maintains its headquarters in Los Angeles
  • Farmers Insurance Company provides a number of insurance and financial products including home, life and auto insurance, mutual funds and even restaurant insurance

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.

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Who is Farmer’s 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:

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)
  • Retired Professionals
  • Homeowners
  • New Parents
  • Good Students
  • Teenagers / Young Drivers
  • Air Bags
  • Multi-Vehicle
  • Multi-Policy

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, it’s 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, it’s quite possible to achieve even higher savings just by asking the right questions.

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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 and payment methods.

The more time you put researching a new car insurance company will make a difference should you need to submit a future claim.

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
  • Retirees
  • Homeowners
  • New parents
  • Good students
  • Airbags
  • Multiple autos
  • Have multiple policies such as for home and life insurance, as well as car insurance with Farmers

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 radio equipment.
  • Windshield glass repair
  • Car rental reimbursement

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 sports 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.

For example, A.M.Best rating is B+ and JD Power gives Farmers 3 stars out of 5 for overall satisfaction and ease of contact.

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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