Farmers

Car Insurance
Farmers car insurance company has been in the U.S market for some time while serving all the country’s states and selling their policies throughout. They have a slightly higher insurance premium rates than the other insurance providers.
3.9
out of 599 user reviews

Insurance Coverage

To know more about them, and get an idea of their customer satisfaction score, affordability and claim settlement etc, read on.

77 out of 100 is their rating. With an affordability rating of 3, customer satisfaction rating of 3.9, and financial stability rating of 3 again on a scale of 5, the company stands with this average rating of 77.

Not all states have the same rules, and not all states are covered by best auto insurance companies. But with Farmers car insurance, you get coverage in all states, however with the varying amount of coverages. For an idea of the standard coverage, if you look at the Farmers policies in California, you will find that:

  • Uninsured motorist body injury liability is up to $15000 per person or $30000 per accident. This same amount holds for the normal Bodily injury liability.
  • The uninsured motorist property damage is $3500 minimum
  • Property damage liability is $5000 minimum

Coverage Options

You will get conventional coverages like the collision cover, comprehensive cover, medical cover, bodily injury liability, physical damage liability, property damage liability and so on.

Other than the standard coverage you get from the Farmers bureau car insurance, the additional or extra coverages are as follows:

Towing and Roadside Assistance: this assistance is available 24/7 from the insurance provider. The car needed emergency towing, repairs, or you needing emergency help on road will be met by this cover.

Loss of Use: If your car is not in a usable condition for an accident or damage and has been sent for repairs, and you need to rent a car during that period, then you will be reimbursed for the rentals.

New Car Pledge: If the car is totaled within the first 24000 miles of run or the first 2 years of your ownership, then you may apply for this claim to get a new car after you pay the deductibles.

Small Claim Forgiveness: Often insurance companies will raise the premium next time when you have met a small accident. But with Farmers car insurance they have this small claim forgiveness system where your small accident even at your own fault is overlooked, and your premium is never raised for that.

Incident Forgiveness: If you have been penalized for breaking a rule or speeding etc, and no one claims for this, then you are forgiven for this without your rates being hiked.

Extended Customized Equipment: custom equipments added to the vehicle get covered under this. Stereos, sat nav systems, spinners etc are all covered.

Affordability

With Farmers car insurance quote, you will see that the policy premiums are a little expensive. However compared to other insurance providers this premium is not too high. Hence the affordability rating for the Farmers insurance is 3.

In a hypothetical calculation, when the premium for a 30-year-old individual with a sedan class car is calculated, then it’s seen that the monthly premium comes to $231, which is a bit high. And when compared to other standard plans in the market, it is almost $80 to $99 more expensive monthly and then again on 6 months cumulative basis, the premium comes around $1388, and is expensive by $400 or more.

Several discounts are offered on the plans and covers of the insurance company. They apply on the following:

  • Anti-Lock Breaks
  • Customer Loyalty
  • Anti-Theft Devices
  • Daytime Lights
  • Eco-Friendly Vehicle
  • Defensive Driver Courses
  • Good Student
  • Homeowner
  • Group Membership
  • Internal Safety Features
  • Multi-Line Policy
  • Minor on Policy
  • Multi-Vehicle Policy
  • Up-Front Payment
  • Safe Driving Record
  • Young Driver Training

Customer Satisfaction

Customer Satisfaction Rating: 
3.9
out of 599 user reviews

The customer satisfaction rating for Farmers car insurance is 3.9, and this rating tells about how much the company has catered towards handling and satisfying customers. This rating is fairly decent and in line with the customer satisfaction ratings of other companies. This rating is decided on many other ratings which are as follows:

Premium affordability - 7

Customer service - 8.2

Claims process - 8.3

Ease of setup - 8.3

Discount satisfaction - 6.9

Financial Stability

Financial Stability Rating: 
3.0
out of 599 user reviews

The Farmers financial stability rating is 4.1 out of 5. This means the financial stability rating of the company is fairly good, and shows they are average to good in settling customer claims. The total assets of Farmers car insurance are $381 billion which indicates a very good health of the company, when compared to the average $102.5 billion assets of leading insurance providers in the States.

Conclusion

Based on the Farmers car insurance reviews you may like to contact them on their customer service phone number at (888) 327-6335.

Survey Review Data

Contact Info

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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