good company and agent, but more flexibility needed
paying cash, an animal lover, married, an moderate investor, comparison shopper
Pros
excellent service, Quick response time, take care of their customers, No problems with claims
MAY
21
2008
After having a terrible experience with State Farm, we switched to Farmers and have multiple policies, 4 cars, homeowners, and an umbrella policy. Overall I'd give Farmers a very good rating on their coverage, but there are a couple of things I'm concerned about and do not know if it's typical of all insurance companies. I'm not sure how credit ratings affect insurance rates, especially if payments are always on time and the insured has a clean driving record. However, we had a crazy item on our credit report that Farmers used to raise our rates, and the problem was that there was no way we could appeal the ruling even though I took our credit report to our agent and showed her a sterling credit report. The problem on our credit report was a $40 medical bill that we actually paid twice because we got so tired of trying to deal with inept clerks and insurance companies, and the credit report said we paid it late (the second time we paid it--which I have both canceled checks on). I asked our agent how to appeal and showed her our great credit report, and she said she was sure it was great knowing us over the years, but there was no way to appeal. She told us that if anything appears on your credit report, without examining the item, Farmers can raise your rates. THAT'S A LICENSE TO STEAL! There should be an appeal option for errors. With today's phone systems and the difficulty to get to a live person, there are probably numerous errors in credit reports. Our agent solved the problem by changing who was "head of household" and that reduced our rates, but there should be an appeal process for errors. The other concern I have about Farmers is minor, and it's just a nuisance. Their billing system needs overhaul. We get 8 bills a year on our cars, one on our home, and one on the umbrella policy. To make it more complicated, if we pay on time, the amount due is less than what is sent in the bill. If I don't read it carefully, I pay too much and then another statement is sent with a credit applied to the next insurance billing period for just that vehicle. When I do pay the ontime amount, I then receive another statement which has an unpaid amount and a credit amount which cancel each other out for the amount saved by paying on time. Therefore, we receive 16 mailings a year on our cars plus the other policies. Why not reduce rates and stop the duplicate mailings and the extra manpower necessary to generate all these statements? I asked to get all the cars due at one time, but they would not do that. I recommend Farmers for good coverage without being cheap if you have a claim, but their billing methods and lack of an appeal process for errors need adjustments.
24 Hour Claims
24 Hour Claims
24 Hour Claims
24 Hour Claims
24 Hour Claims
24 Hour Claims
24 Hour Claims
24 Hour Claims
24 Hour Claims
24 Hour Claims
24 Hour Claims
24 Hour Claims
24 Hour Claims
AUTO WITHDRAWAL FROM PAYROLL
Anti-Theft Device
Anti-Theft Device
Anti-Theft Device
Drivers Training Discount
Drivers Training Discount
Drivers Training Discount
Drivers Training Discount
Drivers Training Discount
Drivers Training Discount
Drivers Training Discount
Drivers Training Discount
Drivers Training Discount
Good Driving
Good Driving
Good Driving
Good Driving
Good Driving
Good Student Discount
Good Student Discount
Good Student Discount
Good Student Discount
Good Student Discount
Good Student Discount
Good Student Discount
Good Student Discount
Good Student Discount
Government employee discount
Government employee discount
Immediate quotes
Immediate quotes
Immediate quotes
Immediate quotes
Immediate quotes
Immediate quotes
Immediate quotes
Immediate quotes
Immediate quotes
Immediate quotes
Immediate quotes
Immediate quotes
Multiple Benefits Options
Multiple Benefits Options
Multiple Benefits Options
Multiple Benefits Options
Multiple Benefits Options
Multiple Benefits Options
Multiple Benefits Options
Multiple Benefits Options
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
Mutli-policy Discount
New Vehicle Safety
Online Account Access
Online Account Access
Online Account Access
Online Account Access
Online Account Access
Online Account Access
Online Account Access
Online Account Access
Online Account Access
Online Account Access
Online Account Access
Personal touch through Nationwide Agent
Personal touch through Nationwide Agent
Personal touch through Nationwide Agent
Personal touch through Nationwide Agent
Personal touch through Nationwide Agent
Personal touch through Nationwide Agent
Personal touch through Nationwide Agent
Personal touch through Nationwide Agent
Rental Car
Rental Car
Rental Car
Rental Car
Rental Car
Rental Car
Rental Car
Rental Car
SR 22
SR 22
SR 22
Steer Clear Safe Driver Discount
auto payments from bank
auto payments from bank
auto payments from bank
auto payments from bank
auto payments from bank
auto payments from bank
auto payments from bank
mail in orders
road side assistance
road side assistance
road side assistance
road side assistance
road side assistance
road side assistance
road side assistance
road side assistance
Insurance Type
Accident Insurance
Accident Insurance
Accident Insurance
Accident Insurance
Auto Insurance
Auto Insurance
Auto Insurance
Auto Insurance
Auto Insurance
Auto Insurance
Auto Insurance
Auto Insurance
Auto Insurance
Auto Insurance
Auto Insurance
Auto Insurance
Boat Insurance
Boat Insurance
Boat Insurance
Boat Insurance
Boat Insurance
Boat Insurance
Boat Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Car Insurance
Collectibles Insurance
Collectibles Insurance
Collectibles Insurance
Condo Insurance
Condo Insurance
Condo Insurance
Disability Insurance
Flood Insurance
GAP insurance
GAP insurance
General Liability Insurance
General Liability Insurance
General Liability Insurance
General Liability Insurance
General Liability Insurance
General Liability Insurance
Health Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Home Owners Insurance
Life Insurance
Life Insurance
Life Insurance
Life Insurance
Life Insurance
Life Insurance
Life Insurance
Life Insurance
Life Insurance
Life Insurance
Long-Term Care Insurance
Motorcycle Insurance
Motorcycle Insurance
Motorcycle Insurance
Motorcycle Insurance
Motorcycle Insurance
Motorcycle Insurance
Motorcycle Insurance
Motorcycle Insurance
Pet Insurance
Property & Casualty Insurance
Property & Casualty Insurance
Property & Casualty Insurance
Property & Casualty Insurance
Property & Casualty Insurance
Property & Casualty Insurance
Property & Casualty Insurance
Renter's Insurance
Renter's Insurance
Renter's Insurance
Renter's Insurance
Renter's Insurance
Renter's Insurance
Renter's Insurance
Renter's Insurance
Renter's Insurance
Snowmobile
Snowmobile
Snowmobile
Travel Insurance
Umbrella Policy
Umbrella Policy
Umbrella Policy
Worker's Comp
Worker's Comp
personal poperty insurance
personal poperty insurance
personal poperty insurance
personal poperty insurance
personal poperty insurance