FARMERS INSURANCE

 

REVIEW FARMERS INSURANCE

by Will Berger | Sep 20, 2020

Our Review

Farmers Insurance goes way back as one of the largest providers of car insurance in America. More than 90 years later, they’re offering a wide range of products and policies- including liability and collision, plus some handy add-ons, like accident forgivness and roadside assistance. 

Pros

  • POffer many types of insurance, bundling
  • PLots of add-ons and rewards

Cons

  • ONot available in every state

Summary

Whatever type of insurance you need, Farmers has got you covered, they offer everything from car insurance, life insurance, to homeowners, renters, and businesses. They offer rewards to customers who bundle their car insurance in with other types of insurance, which could mean potential discounts for you. If you’re just interested in car insurance, Farmers offers lots of different products for you choose from, for example: the standard types of policies offered by the majority of insurers, and some different add-ons with rewards of their own.

One negative though, Farmers doesn’t offer car insurance in every state. Just go to their website and enter your zip code to see if they cover your state.

What types of Auto Insurance are Offered?

Collision. In case you hit another vehicle or another object, such as a sign, this covers damages to your vehicle.

Comprehensive. This covers damage to your vehicle for incidents other than those covered by your Collision policy,for example: collisions with animals, theft, flood, and storms.

Bodily Injury Liability. Required in most states. If you’re at fault in a collision, this covers expenses related to other people’s injuries, such as medical bills and income loss.

Property Damage Liability.  Required in most states. If you’re at fault, this covers expenses if your vehicle causes damage to another person’s car or to other property, like a house.

Uninsured/Underinsured Motorist. Covers expenses resulting from when an uninsured or underinsured driver is at fault. This is definitely an option worth considering: bout 30% of drivers in the US don’t have enough insurance, that means there’s a 3 in 10 chance that this insurance will come in very handy.

Personal Injury Protection. Required in some states, PIP covers a wider range of costs than Medical Payments, for example: medical and rehabilitation costs, income loss, funeral costs, and replacement services.

Medical Payments. Covers medical expenses if you or any other passengers in your vehicle are injured.

In addition, it also offers you the chance to customize your policy with these add-ons.

Loss of Use.Reimbursement for transport costs if you lose use of your vehicle for some time.

New Car Pledge. If your car suffers a total loss in the first 2 model years (or 24,000 miles) of ownership, Farmers will replace it with a brand new model.

Accident Forgiveness. Farmers will forgive one accident for every three years you drive without one.

Towing & Roadside Assistance. Farmers Claim Services can help you with emergency jump-start, tire repair, glass repair services, and locksmith services.

Incident Forgiveness. Farmers won’t increase your rates for getting a speeding ticket or running through a stop sign, if no one files a claim related to the incident in question.

Personal Umbrella. This gives you an extra layer of coverage on your auto policy (and on your homeowners’ policy if you’ve bundled that together with your car insurance).

Rental Reimbursement. Provides a rental vehicle after an accident.

Farmers Rideshare. Hnady for drivers who work for rideshare companies like Uber.

Extended Customized Equipment Coverage. Covers damaged or stolen equipment such as lighting or a stereo system.

    How to Apply:

    If you want to check out an online quote on their website: select “Car Insurance” from the scroll-down menu, enter your zip code and click “Start my quote”. Just provide this info:

    • Personal info: your name, email address, home address, and phone number.
    • Vehicle info: includes year, make, model, and body style, as well as details about mileage, when you purchased the vehicle, and if you are the original owner of the vehicle.
    • Additional personal info: information about your employment and house.