Farmers Auto Insurance Quotes

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Farmers Auto Insurance Quotes

Founded by Thomas E. Leavey and John C. Tyler in Los Angeles in 1928, Farmers Auto Insurance Group or simply Farmers is one of the leading, most reputable and trusted insurers in the US, offering an extensive array of auto, home and business insurance as well as other financial products. The group rated with A ( Excellent) by A.M. Best Company and AA- ( Very Strong) by Standard and Poor’s boasts a rich history of excellence and innovation in insurance spanning nearly 90 years in operation, exceptional claims service as well as impressively strong capital position and levels of liquidity.

Farmers Auto insurance started as a company with a small one-room office in downtown LA one year before the Great Depression, focused on insuring the vehicles of rural farmers, to becoming the first company west of Mississippi to utilize IBM 705 computers for data storage and retrieval in the 1950s, the first major insurer to offer a monthly payment without charging an interest in the 1960s and then a non-smoker discount in the 1970s, right to becoming the first major insurance group to offer discounts for alternative-fuel vehicles in the 2000s, Farmers car insurance division has considerably grown and expanded to an industry giant with offices all across the nation. At the beginning of the 21st century, the multi-company group opened the University of Farmers ( voted #1 corporate training center in the US) the 50,000 exclusive and independent agent as well as nearly 24,000 employees with exceptional insurance education.

Farmers’ auto insurance franchises maintain their unwavering commitment to provide customized insurance products with industry-leading value to all their discerning and esteemed customers worldwide, thus helping build a secure and safe future for individuals, communities and businesses worldwide. Part of Farmers Group since 2009, the 21st Century Insurance Group is based in Wilmington, Delaware and offers personal auto insurance to US customers using direct response marketing channels and the internet. A premier provider of liability and physical damage insurance, the Bristol West Insurance Group became a part of Farmers in 2007 and focuses exclusively on private passenger vehicles.

Farmers Auto Insurance: Tailored To Your Specific Auto Needs

Awareness and foresight are paramount when choosing the right vehicle insurance to optimally protect what really matters to you. Having spent more than 85 years building the Smart Choice in Vehicle insurance, Farmers auto insurance comes with:

* Superior coverage that goes well beyond your basic needs coupled with personalized service for your utmost satisfaction
* Easy accessibility and convenience thanks to paperless policies and billing
* Affordability, alongside numerous and various discounts that save you valuable money on smarter coverage
* Insight and guidance from highly-trained and experienced Farmers agents
* 24/7 protection thanks to Farmers’ award-winning claims service open 24 hours a day, 7 days a week.

Customize Your Auto Coverage - Farmers Car Insurance Coverage Options

Farmers provides you with beyond-basic coverage options in order to help you pinpoint potential coverage gaps and have other unexpected costs properly covered by your vehicle insurance policy. When shopping for your car insurance, it is essential to ensure you get the best auto insurance coverage that meets your specific needs, at a price that fits your budget.

Understand the Different Types of Coverage

1. Farmers Auto Insurance Liability Coverage - encompasses coverage for Personal Property and coverage for Bodily Injury. In the event you are held legally responsible for damages in an accident, this type of coverage pays for them ( i.e. the other driver’s personal injuries, medical expenses and vehicle damage). Carrying a minimum level of liability coverage is required by almost all state laws.
2. Collision Coverage - if your car hits another vehicle or a fixed object, this coverage pays for damages to your own car.
3. Comprehensive Coverage - also known as "other than collision", this type of coverage pays for losses as a result of situations other than an accident, including theft, vandalism, fire, hail storms, riots, floods and animal collisions.
4. Medical Payments - in case you or any passenger in your car sustains an injury in an accident, this covers their medical expenses.
5. Personal Injury Protection (PIP) - covers a wider array of expenses, including medical and rehabilitation costs, income losses, funeral expenses and replacement services. Most states require you to carry a minimum amount of PIP coverage.
6. Underinsured and Uninsured Motorist Coverage - about 30% of US drivers carry insufficient auto insurance, while 1 in 8 US drivers carry no car insurance; this type provides liability coverage for you when either an underinsured or uninsured driver is at fault in an accident.

Additional Farmers Auto Insurance Coverage Options

* No Fault, No Foul - with this beneficial option, your rate remains unchanged when you are not deemed responsible for causing an accident.
* Comprehensive Claims Forgiveness - Farmers will not increase your rate if your vehicle is damaged by bad weather or stolen.
* Accident Forgiveness - with this option, Farmers will forgive one accident for every three years you drive without one.
* Incident Forgiveness - in case you roll through a stop sign or get a speeding ticket, this option allows you to keep your rates unchanged, as long no one files a claim.
* Farmers Auto Insurance New Car Pledge - If your car is totaled in the first 2 model years or 24,000 miles of ownership, with this optional coverage Farmers pledges to replace it with a brand-new model.
* Personal Liability Umbrella Insurance - this type of coverage effectively supplements the liability coverage you carry on you homeowners and vehicle insurance policies.
* Small Claim Forgiveness - when you choose this option, your rate will not change due to a small accident, even an at-fault one.
* Loss of Use - with this option, Farmers will reimburse you with a flat amount for any incurred travel expenses if you cannot use your car following an accident; likewise, in case your car is totaled, the insurer will reimburse you for the loss of the use of your car, based on a per-day and maximum limit amount.

Other excellent Farmers car insurance coverage options that conveniently allow you to optimize your policy include towing and roadside assistance, car rental reimbursement, glass repair services and extended customized equipment coverage. You can also compare AAA Auto Insurance, Primerica Auto Insurance, National General Auto Insurance, Kemper Auto Insurance, GMAC Auto Insurance, Geico Auto Insurance, and Farm Bureau Auto Insurance as well.

Do not hesitate to get your customized, free and no-obligation Farmers auto insurance quote, based on your exact vehicle insurance needs. To make an informed decision and ensure that you will leverage the best deal, you should advisedly get several auto insurance quotes from different insurers and then use the available comparison tools to select the right insurance.