Farmers Auto Insurance Review

Farmers Insurance Company was founded in 1928 in Los Angeles. Find out more on Farmers Insurance with our Farmers Auto Insurance Review. Today, Farmers is the third largest insurance provider in the United States for automobile insurance. The network of independent Farmers insurance agents sells auto insurance policies to people in 41 states. More than 15 million people trust Farmers to provide protection against loss. Enter your ZIP code into our FREE search and find cheap auto insurance options!

Types of Farmers Auto Insurance Coverage

Farmers Auto Insurance provides auto insurance coverage under the standard components of the automobile insurance policy. Every category is essential for a complete comparison between insurance companies.

• Liability – Insurance in this category will provide coverage for property belonging to other people. The insured’s vehicle is not covered under this component, but is covered under other categories. Liability coverage is required in all 50 states at or above the minimum coverage limit.
• Bodily Injury – When someone else is injured in an automobile accident, this component will compensate that individual for the cost of medical bills and lost work. The limit on the policy is stated for each person involved in the accident. Injuries to the insured are not covered under this component.
• Property Damage – A moving vehicle can cause damage to property belonging to others. Automobiles, public property and private property damage caused by an accident will be covered up to the policy limit.
• Collision Coverage – Damage caused by a collision with the insured’s vehicle is covered up to the policy limit.
• Comprehensive Coverage – Theft, vandalism and storm damage are some examples of the causes that are covered by this component up to the policy limit.
• Medical Payments – Drivers without other sources of health insurance coverage are wise to purchase this component of the insurance policy. Every state has different maximum limits of this coverage type.
• Fault or No-Fault – Some states have adopted the no-fault insurance model to reduce the litigation costs of insuring drivers. Insured drivers receive payment from their own insurance company regardless of who caused the accident.
• Uninsured Motorist Coverage – When a driver is hit by an uninsured driver, this component will provide coverage for personal loss of property.

Farmers Flexible Coverage

The coverage offered under this major category of Farmers products is meant to separate Farmers from competitors in the auto insurance industry and provide some of the best auto insurance. These extra coverage options allow each policyholder to choose certain specialized ways of reducing the risk of loss.

• Farmers Flex – Accident forgiveness is a program that rewards drivers that are rarely in automobile accidents. When the first accident after three years has just occurred, the impacts on the insurance rate will be forgiven. Another option under the Farmers Flex program is the New Car Pledge that allows policyholders with a new vehicle to receive full replacement coverage without depreciation if the car is damaged beyond repair in the first two years of the policy.
• Personal Umbrella Insurance – Increased liability coverage is more affordable under a personal umbrella policy that boosts the limits for auto and homeowner policies.
• Emergency Roadside Assistance – When the car breaks down, this service provides a tow, locksmith service or a battery jumpstart. The services are usually billed directly to Farmers.
• Windshield Glass Repair Service – When glass must be replaced, the policyholder pays the deductible and Farmers pays for the rest.
• Car Rental Reimbursement – After an accident, this program provides a rental car to the policyholder for use until the car is repaired.
• Extended Customized Equipment – Any equipment that is not permanently installed in the dashboard of the car is covered under this optional component. Sound reproduction items, like CDs and tapes can be replaced under this coverage as well.

Farmers Collectible Auto Insurance

Farmers Insurance Company is one of the few insurers that offer insurance coverage for collectible automobiles. This unique type of coverage makes up an entirely separate part of the insurance industry, and policyholders have some very unique needs for their irreplaceable cars. Compare auto insurance for FREE by entering your ZIP code below!

• Agreed Value Coverage – Prior to underwriting the vehicle, the car owner and insurance agent will agree on the replacement value of the vehicle. If the car is lost, the agreed value is paid to the policyholder.
• Spare Parts Coverage – Genuine parts must be used on the car to maintain the actual value. Farmers agrees to cover the use of these parts.
• No Attendance Clause – If the car is away from home with the driver, but something happens in the drivers’ absence, the car is still insured.
• Customized Policy – Every collectible automobile is different, and Farmers creates specialized coverage for each policyholder according to their needs.
• No Deductible – When something happens that causes the loss of the collectible automobile, the policyholder will not pay a deductible from the agreed value.
• No Mileage Limitation – One of the reasons collectible car owners choose Farmers is because they are not limited in the number of miles that can be driven in a calendar year.

Final Evaluation

Farmers Insurance Company is a trusted provider of affordable automobile insurance. Every component of the insurance quote must be filled out consistently to create a valid comparison between the insurers. Specific rates will vary because of the driver’s profile and geographic location. Various auto insurance discounts are offered by Farmers Insurance to reward good drivers who own safe and reliable vehicles. Insurance coverage is offered in all but 9 states, so most people will be able to purchase insurance from this reliable auto insurance company. Still don’t think Farmers Auto Insurance is for you? Use our ZIP code search to compare auto insurance reviews from every company!