Farmers Insurance Review 2023
Is Farmers Insurance Good?
Last Updated: May 5, 2023
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Farmers Insurance – Pros and Cons
- Services available in all 50 states
- Coverage customization as per your needs
- Unique discount opportunities available
- Wide selection of add-ons to the policy
- Higher premium in some states
- Mixed customer reviews and ratings
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| Standard | The Standard package, designed for first-time homebuyers, strikes a balance between price and important features. This package also allows you to set higher limitations for a select product that is especially valued. |
| Enhanced | The Enhanced plan fits greater insurance limits and contains various additional features, like paying the expenses of replacing your roof and belongings without deducting depreciation. |
| Premier | Before you get the car, make sure you do your homework. Some cars are more expensive to insure than others. And driving an expensive car without insurance is like setting your savings on fire. |
| Keep Your Current Car For A Few More Years | It’s a no-brainer that the more your car costs, the higher the premium you have to pay. So, driving an older car model can help keep your premium on the lower side. |
| Drive Safely | Having a clean driving record with no accidents or traffic violations helps reduce your premium. |
| Research Before Buying A Car | Before you get the car, make sure you do your homework. Some cars are more expensive to insure than others. And driving an expensive car without insurance is like setting your savings on fire. |
| Look Out For Discounts | You qualify for discounts when you purchase more than one policy from Farmers. For instance, by buying both your car and home insurance policies from Farmers. |
| Check Out The Deductibles | The higher the deductibles, the more you save on your monthly insurance payment. But you should also understand that in the event of a loss, you’ll have to pay extra out of pocket. |
| Ensure Your Home Is Safe And Secure | Making sure your home is secure will help lessen the risk of fire and burglary. |
| Do Not Smoke Inside Your Home | Nonsmokers may be eligible for cheaper homeowners’ insurance premiums through discounts because smoking increases the risk of fire damage. |
| Buy Multi- Policy Lines From Farmers | When you buy multiple policy lines from Farmers, you’ll get more than just convenience—you can also get multiline discounts on each policy. |
| Check Your Eligibility For Additional Savings | Are you a teacher, a cop, a firefighter, a military person, a doctor, a nurse, a dentist, an engineer, or another type of professional? Because of your profession, you may qualify for a discount. And regardless of your career, you may be eligible for other discounts. |
| Auto Insurance Discounts & Perks | Home Insurance Discounts & Perks |
|---|---|
| New Car Replacement | Guaranteed Replacement |
| Accident Forgiveness | Cost Claim Forgiveness |
| Auto/Home Discount | Declining Deductibles |
| Safe Driver Discount | Claim Free Discount |
| Signal + CrashAssist | Home Multi-Policy Discount |
| Auto Multi-Policy Discount | |
| Guaranteed Repair Program | |
| Loss of Use | |
| Rental Reimbursement Coverage | |
| Towing Roadside Service Coverage |
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Farmers Insurance Reviews and Ratings
Farmers has been quite helpful when I’ve needed to file a claim, and they’ve also been the most cost-effective supplier I’ve used. Others were less expensive at first, but they invariably increased their rates after the first year.
I think the payments are reasonable, however, I’d like to see the $1,000 deductibles reduced to bring the payments more in line. I can’t comment on their service response or customer support team because I haven’t had to file a claim in ten years.
Farmers Insurance is one of my favorite companies. Our home, car, and motorcycle are all covered by insurance. However, their bills generally arrive at the same time, making it difficult to pay all three. I wish they would disperse them and perhaps mix the motorcycle and automobile. Apart from that, I am pleased with the service we receive. I wouldn’t switch unless we could obtain it for a lower price. I searched around and they’re all about the same price as what we’re paying today. So, I believe we will stick with them for the time being.
I tried to take renters insurance online with Farmers Insurance at the recommendation of my apartment community. After entering all the information, I got an error online. Since I received an error, I thought the policy was not created. As I was in a hurry to take renters policy, I took with Geico and submitted it. After a few days I received an email from Farmers that I need to take some action to complete the process. Since I was traveling, I didn’t see that on time. After I came back home, I found that my credit card was charged and I didn’t get any email confirmation for the policy.
Farmers home insurance is fantastic! This is the most impressive insurance firm I’ve ever encountered! They replaced my damaged roof for $45k and approved/funded the claim in less than 24 hours! This is fantastic company!
Because I get multi-policy discounts with Farmers Insurance, I’ve stayed with them. I considered switching to AAA, but they don’t cover residents in fire-prone areas. Farmers told me that if I file claims, my rates will increase. It’s absurd. What is the point of insuring when rates are always rising?
| Organization | Farmers Rating | Description |
|---|---|---|
| A.M. Best | A (Excellent) | A financially stable business that can guarantee and safeguard your insurance. |
| Standards and Poor | AA- (Very Strong) | Outstanding ability to meet financial obligations. |
| Moody’s Investors Services | A2 | Strong company with good credit risk. |
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Frequently Asked Questions
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If my spouse or partner has their own insurance, do I still need to include them in this quote?
Yes. You need to include your partner in this quote even if they have their own insurance with Farmers or another company.
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How many drivers and vehicles can be included in my auto insurance policy?
A total of five drivers and five vehicles may be included in Farmer’s operating states. However, there are two exceptions to this:
- You can quote a total of four vehicles in the state of Kansas.
- You can quote a total of three vehicles in the state of Texas.
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Can I still get a quote even if my car isn’t listed?
Currently, for specialty cars, Farmers do not provide online quotes. You can try entering your VIN number or contact Farmers agent for support service.
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