Farmers’ insurance company was founded in 1928 for farmers and ranchers. Today, the company has grown to offer not just auto insurance but a slew of other insurance products for homeowners, renters, life, business, etc. It is no small player as it controls 3-4% of the market and has over 10 million customers.
If we are to look at the performance of Farmers according to Bankrate, the company performs pretty well with a score of 3.8 on a scale of 5; JD Power gives them an 872/1000 in terms of customer satisfaction; and AM Best gives them an A – rating in terms of financial strength and capacity to pay claims to their customers on time.
The minimum coverage policy pricing is $808 per annum at Farmers.
Benefits of Shopping With Farmers
- Presence All Over The US — Farmers Insurance offers coverage across all 50 US states but the policies and discounts may vary with states. Some of its sub-companies serve only select states, for example, 21st Century Insurance serves only California drivers, and Toggle (which exclusively insures renters) is available only in 25 states.
- Insurance and Discount Options — Some states offer attractive insurance discounts like Defensive Driving discounts to seniors. It offers auto and home insurance discounts in a bid to reduce the premium value and help you save more. Discount types and rates vary by state though.
- Mobile App Option — You can pay your bills, report claims, get roadside assistance, and do much more with the Farmers’ app option.
- Offers Rewards-Earning Credit Cards — They offer three points for every $1 spent on gas, home improvement, or Farmers’ product, and points can be redeemed for travel, gift cards, etc.
Farmers offers different types of insurance policies like property insurance, vehicle insurance, personal insurance, and business insurance. If you have a claim to make, you may have to resort to one or all of the following.
1. Submit a Claim Online
Visit the link here. Click on File a Claim, and you get directed to the page to fill in details like your policy number, full name, date, and time of loss to start a claim. The process is pretty much the same for filing both personal and business claims. Submitting an online claim is fast and convenient both on their mobile app and website. Accelerated claims resolution, improved customer experience, and simplified processes are guaranteed when you submit a claim online at Farmers. Secure file sharing and workflow automation provide better customer service. Online is always straight, simple, fast, and efficient.
Upload relevant paperwork like documents and itemized receipts with the date of service when you submit your claim; pictures (of the damaged property), and police report (if you were not at fault but the crash incurred serious damage to your vehicle) also need to be uploaded whenever you are ready. This is a 24×7 facility where you enjoy full access as a customer. You can even track your claim online.
2. Call the Farmers Helpline
You can call the company whenever you are ready to send your documents, just to keep them in the loop. Let them know that you are sending a claim form and request a review of the paperwork that you will send to them. Make sure that the representative gives answers to all your queries, especially the length of time they are expected to take to settle the claim amount. Ask if they would require any additional documents and do the needful to ensure everything’s in order.
Calling an agent is also helpful when you are not sure about the online process and would rather have a word with someone at the Farmers Claims Center. Feel free to talk to a representative at 1-800-435-7764 or 1-888-327-6335. Click here to see a Chat Now option that can get you connected with someone in real-time. You will also see another link that can help you find a Claims Professional right away.
Wait patiently till your claim date. Give them a follow-up call if they fail the timeframe. Remember to create a paper trail with important information like the date, time, full name, and designation of the people you speak with on the phone.
3. Visit the Nearest Branch
One of the biggest pluses with Farmers is that they have agents working dedicatedly across the United States and it’s easy to find one to make complicated things like reporting and negotiating to settle claims easier. Consult an agent for advice before filing a claim as they will give you helpful insights regarding matters like if you should report a claim, if your premium gets affected once you file a claim, and explain deductibles, etc.
Simply click on the link here, and enter your city and state of residence with your zip code to find an agent near you. They immediately flash a list of states that you can browse to see if auto, home, or life insurance agents are showing in your state. In all likelihood, it will, and you can connect with someone who can walk you easily through the entire claims process if you were not as confident to handle it alone online. Seniors and people who are not digital-savvy are best advised to hire the services of an agent who can explain things much better in person.
