Farmers Insurance Company - Overview of Quotes and Services

Farmers Insurance group of companies was entirely owned by a subsidiary of B.A.T industries from 1988. The B.A.T industries were merged completely with Zurich Insurance Company in 1998. Farmers Insurance Group was the fifth largest casualty and property insurer in 1997, with its headquarters in Los Angeles. It has marked its presence across 30 states with a distribution network of more than 16,000 employees.

The Farmers Insurance was formerly known as Farmers Automobile Inter Insurance. The company was the brainchild of co-founders John C. Tyler and Thomas E. Leavey. The former co-founder was the son of an insurance salesperson while the other worked for the Farm Loan Bureau and the National Farm Loan Association.

The company survived the depression era of the 1930's and emerged stronger. The company earned respect among its customers when it paid for all earthquake damages to cars under its collision coverage though no specific comprehensive coverage existed during that time.

Farmers Insurance offers different types of coverage to its customers by which, they can work with local farmers’ agent to decide on which coverage covers their need and what the smallest premium could be. The different auto insurance coverage offered by the company are:

1. Liability Insurance:

This coverage covers all damages, including body injuries and property damage. The coverage pays for medical expenses, pain and suffering, and loss of income. It also includes damages to property, and the car of other person.

2. Comprehensive Coverage:

The Company pays for the damages to the vehicle other than accident such as thefts, storms, riots, fire and falling objects.

Apart from this, it also offers Collision, Medical payments, Fault or no-fault and uninsured/underinsured motorist coverage. The company also offers a unique 'Farmers Flex' program to its customers. This program comes with some pre-packaged options and allows customers to add different coverage options to give extensive protection in different circumstances. The different coverage options that can be added are Accident Forgiveness, Declining Deductibles, and Rate and shield.

The Farmers Insurance Company also offers additional programs in different states such as Personal Umbrella Insurance, Emergency Roadside Assistance, Car Rental reimbursement, Windshield glass repair service and extended customized equipment coverage. The company also extended it auto insurance coverage for collectible automobiles such as antiques, muscle cars, exotics, and classics just to name a few.

The benefits offered to customers don’t end with extensive coverage options. Customers can also avail different discounts such as retired professionals, new parents, good student, airbags, two or more automobiles and more.

The company has dedicated toll free lines for customers’ claims as well as for general queries. The company has left other companies behind by offering a special toll free line for hearing impaired customers and Spanish speaking people. The policyholders can manage their policies online as well as contact the company through email for any of their necessities.

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