Farmers

Car Insurance
With the credit of being the third largest auto and home insurer in the nation, Farmers Insurance Group sells car insurances in 41 states and the total number of their customers would comfortably cross the 10 million mark.
3.9
out of 599 user reviews

Insurance Coverage

When it comes to insurance coverages, this best rated car insurance has all the standard coverages up on their platter. The common insurance coverages offered by Farmers car insurance include the following.

  • Liability coverage – Covers the medical expenses for the bodily injuries and property damages of other people caused by an accident where you were at fault

  • Collision coverage – Covers the damages caused by an accident when you hit another vehicle or object

  • Comprehensive coverage – Covers the damages sustained by the car in the event of a fire, theft, vandalism, riots, animal collisions, floods or an accident

  • Uninsured/Underinsured Motorist Coverage – Provided bodily injury and property damage coverages in case where the motorist at fault does not have any or adequate insurance to pay for the injuries and damages caused by the accident

  • Medical payments -  covers the medical expenses for all injured people inside the covered car in the event of the car meeting an accident

  • Personal injury Protection – Almost similar to medical payments, this coverage also pays for rehab expenses, daily wages in case of loss of work due to accident, funeral expenses and even replacement services

Coverage Options

Apart from the standard coverage options, Farmers car insurance also offers a number of additional coverage options which can be taken by the drivers at the time of buying the policy.

  • Towing and roadside assistance – Covers the towing charges or the onsite labor costs like locksmith services or other repairs that take place right on the spot of the breakdown

  • Loss of use – Reimburses the transport charges if you are not able to use the car after an accident and forced to take other modes of transport like cabs, rental cars or public transits

  • Small claim forgiveness – Gives protection against increase in the premium value if there is a small claim even though the driver was at fault

  • New car pledge – Pays for replacing the new car if it gets totaled within the first two years or the first 24,000 miles

  • Incident forgiveness – Provides protection against increase in premiums for minor incidents like getting a speeding ticket or rolling through a stop sign as long as no claims are filed by anyone

  • No Fault, no foul – Gives protection against rate surges if accidents are not caused due to your fault

  • Extended customized equipment –  Offers extended coverage for equipment like stereo system, chrome rims, spinners, sub woofers or similar things in case they get damaged or get stolen

  • Glass repair services – Covers the payments for repairing or replacing the glass regardless of the cause of the damage

  • Car rental reimbursement – Pays for rental services during the period the damaged car is in the garage for getting repaired

Affordability

When it comes to affordability, Farmers car insurances are certainly not the best picks of the market. With an estimated monthly premium value of $231, Farmers car insurance premiums are about $80 to $99 more expensive than the national average. If long term lump sum amounts are considered, it still continues to be expensive as compared to the standard 6-momths lump sum amounts that are offered in the market. By paying $1,388, you would end up paying about $400 more than the industry average price for 6-month lump sum insurance policies.

Owing to these high rates, the affordability rating of Farmers car insurance is 3 out of 5.

The company offers a number of discounts on their car insurances. As a matter of fact, with more than a dozen discounts, Farmers certainly offers the number of discounts on their policies as compared to any other auto insurer in the market. The discounts are enlisted below.

  • Anti-Lock Breaks

  • Eco-Friendly Vehicle

  • Anti-Theft Devices

  • Internal Safety Features

  • Customer Loyalty

  • Daytime Lights

  • Multi-Line Policy

  • Multi-Vehicle Policy

  • Defensive Driver Courses

  • Young Driver Training

  • Good Student

  • Homeowner

  • Group Membership

  • Minor on Policy

  • Up-Front Payment

  • Safe Driving Record

Customer Satisfaction

Customer Satisfaction Rating: 
3.9
out of 599 user reviews

With 3.9 out of 5 as the customer satisfaction ratings, Farmers is certainly one of those car insurance companies that loves to keep their customers happy. The ratings are fairly decent and above the average customer satisfaction ratings that are achieved by other insurance providers in the auto insurance sector.

Survey Review Data

Financial Stability

Financial Stability Rating: 
3.0
out of 599 user reviews

With reported assets worth $382.0 billion, Farmers is beyond doubts one of the more reliable options for spending on car insurance policies. The financial stability rating of the car insurance provider is at 4/1 which is slightly less than the average ratings achieved by companies that operate in the market of auto insurances.

Pros

  • Wide range of coverage options in addition to the standard coverages

  • Good number of discounts that can pull the insurance premium value down by great margins

  • Excellent customer service

  • Easy claims filing process

  • Prompt services in case of breakdowns

  • Higher limits for new car replacement coverage

Cons

  • Comparatively more expensive premiums

  • Increased number of customer complaints from certain states

Contact Info

Website: 
https://www.farmers.com
General Phone Number: 
1-800-493-4917
Customer Service Phone: 
1-888-327-6335

Farmers New World Life Insurance Company,

3003 77th Ave SE,

Mercer Island, WA 98040

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