Farmers Insurance Car Insurance Information, Rates, and Reviews
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Farmers got its start in 1928, when our founders wanted to put an insurance option on the market that was affordable for all customers. As one might expect from the name, the vehicles insured at the beginning of our business were farm equipment. Our company has a strong focus on customer service and offering a high-quality experience that makes everyone feel appreciated.
Farmers' Relationship With Its Customers
Our auto insurance company stands out for a strong relationship with our customers, with a high rating on the Better Business Bureau and a lower rate of complaints than some of our competitors.
Farmers Claim Handling
Our customers can call to start a claim, use the mobile app, or submit it online. This process has five steps. The first step happens when a customer first contacts Farmers to report their claim. One of our experienced claims representatives gets the assignment so they know the situation and what to look into.
The second step occurs when the representative contacts the customer. They may ask some questions about the accident or incident to get more details. They also explain how the customer's coverage works in that situation, and what they might need to do to stop their car from getting more damage. If a claims adjustment is necessary, our representative will schedule an appointment to visit the vehicle.
The claims representative evaluates the claim and goes over all the documentation and information. In many cases, we can pay out the claim on the first visit. Step four is the resolution. We look for the fairest resolution for everyone involved. Generally, payment is based on estimates, so we may end up sending additional money later on. After this, the claim is closed and considered finalized.
We have several discounts available that lower the price of an auto insurance policy. If a customer keeps their car longer rather than buying a newer, more expensive model, they can prevent their premium from taking a sudden price hike.
Safe driving is another way to bring down customer insurance costs. We drop the price on policies when our customers buy more than one type of insurance through us, such as auto and renter's insurance.
Underwriting and Financial Information
Our company has excellent financial strength, so we're capable of paying on claims that customers submit. The underwriting process for our auto insurance policies is industry-standard, with no surprises to worry about.
Special Features and Benefits
Our auto insurance company has several attractive features and benefits that are options for our policies. If a new car gets completely totaled in two years and it has less than 24,000 miles on it, the customer gets a full replacement.
Accident forgiveness stops auto insurance rates from going up if a customer has an accident. Our customers earn this forgiveness with three years of accident-free driving.
We can also cover customized sound systems, chrome rims, and other aftermarket equipment. Customized equipment coverage protects these add-ons. Speaking of parts, customers can also get original equipment manufacturer part replacements rather than cheaper aftermarket parts with a policy addition. This plan only applies to policies that have collision and comprehensive. The car also needs to be ten years old or less.
Rideshare insurance is another special offering from our company. While rideshare companies have full coverage when people are actively driving passengers around, it drops down to limited liability in between the rides. Our rideshare insurance allows the customer's personal auto insurance coverage to protect them and their car while they're waiting for someone to request a pick-up.
Customers can reach us through several methods:
- Customer Service Phone: 1-888-327-6335
- Claims Phone: 1-800-435-7764
- Agent Phone: 1-888-327-6335
- Send an email