Farmers Insurance

Overall Rating
 5 of 5

Value Rating
 5 of 5

Used product for
Less than 1 month

Price Paid:  $0.00 from 00

Year / Model Reviewed:
2010 00

Summary:
I have been insured with Farmers for 13 years. Love my agent, it helps when you find one you connect with. They will walk you through claims etc. Never had a problem. I would recommend getting an agent you like and getting to know him or her so that you get personal service. They have procedures and do not look to "rip people off". Farmers is not a fly by night that may go bankrupt, it's been around forever. For complainers and crybabies who have no clue what insurance is about I guess that's what AAA and the like is automated service is created for you.

Overall Rating
 1 of 5

Value Rating
 1 of 5

Used product for
1 to 3 months

Price Paid:  $0.00

Strengths:
None

Summary:
We purchased auto and home insurance from Farmers. Worst mistake we ever made. We contacted Graham Messer with Farmers and he gave us quotes. We paid our homeowners insurance but never recieved a bill for the auto policy. When we finally receieved the bill it wasn't what was quoted. Insurance agent kept saying he would correct it, never did. They also have a bunch of junk fees added into their policies. We called Farmers and the insurance agent, both were very hard to work with. We canceled our policies 2 months after we got them. We never received bill after cancelation. We then recieve a bill from collections. In my opinion Farmers Insurance isn't worth the time it takes to get a quote. Don't bother go elsewhere. It'll save you a lot of time on the phone. Thank goodness I never had an accident.

Overall Rating
 2 of 5

Value Rating
 1 of 5

Used product for
More than 1 year

Price Paid:  $0.00

Year / Model Reviewed:
2002 Toyota Camry

Weaknesses:
They service their customers very poorly!

Summary:
Farmers has been my insurance company for several years. I've had two accidents in the last 1-1/2 years, neither of which were my fault. In the first, Farmers was overseeing my claim with the other insurance company. I did not get the replacement value of my 2002 Honda Accord with 52000 miles on it and had to put about $2000 with what they gave me to get a comparable car. Farmers said they would not even have valued my car THAT high. In the 2nd accident, my 2002 Toyota Camry with $54000 miles was totaled. Farmers valued my car and deducted almost $1000 for door dings and what they said were stains and scratches on the interior. Geico was the other person's insurance company. They gave me a better value for my car, but would not pay for the taxes and insurance because they only do that for THEIR insured, not a 3rd party. I still got a better deal from Geico than from my own insurance company. I felt like they were nickle-and-diming me to keep from paying the proper value of my car. Evidently they do not have the responsibility to pay REPLACEMENT VALUE. They supposedly pay what my car is worth, and they are the ones who determine that even though they have a 3rd party do the comparison shopping. Taking the $914 off of my car's value would have kept them from the out-of-pocket of the taxes they would have paid had I gone with them. I accepted Geico's offer instead since it was a few dollars higher.

Overall Rating
 1 of 5

Value Rating
 1 of 5

Used product for
More than 1 year

Price Paid:  $8400.00 from Santa Monica, CA

Year / Model Reviewed:
1995 Acura Integra

Strengths:
My agent is kind and helpful

Weaknesses:
Customer service is horrible, no fairness when paying you the actual value of your car, lack of professionalism

Summary:
I've been a Farmers customer for 19 years. Recently, my Acura was stolen and have been battling Farmers to pay me the actual value of the car. They wanted photos as proof of the shape of the car! The car was left without a motor, seats, etc. Who has photos of their car, seats, and carpet to prove the shape? Hence to say, the claims adjuster has been extremely difficult to deal with. Not only has she "lost" the paperwork 5 times and asked me to refax it over, she is unprofessional and interrupts me when I am speaking. On two occasions she has yelled at me. I've asked to speak with the manager several times, in which I am placed on hold for several minutes, only to find that she is "unavailable" to speak with me. My agent has tried to intervene, but has been unsuccessful in helping me recover the actual value of the car. It has been 2 months and still we cannot agree. The adjuster will not accept car ads to compare prices in my area, and continues to low ball me in price ($1,000 short of the value!) The premiums I pay are great, but when you baby your car, garage it, keep it in EXCELLENT shape, and expect them to be there and be fair, don't expect it. I should have learned on the last stolen vehicle when they wouldn't pay me what the car was worth and had to fight with them unsuccessfully (They got sued for this before). They have burned me for the last time. I am now canceling my policy. ADIOS FARMERS!!! NEVER AGAIN!!

Overall Rating
 1 of 5

Value Rating
 1 of 5

Used product for
More than 1 year

Price Paid:  $0.00

Year / Model Reviewed:
2007 VW Beetle

Strengths:
none that I can think of.

Weaknesses:
Price/Customer Service

Summary:
The customer service at Farmer's insurance...well sucks. They charge an arm and a leg. We are renters and we needed renter's insurance, well they never sent us a bill and then a couple months later we have late fees! We tried online payments and we ended up getting triple charged unknowingly to us for a long period of time--and they only credited us 1 month when the error was caught! It has been a miracle that we've stuck with them so far. Run! Don't ever use Farmers--who knows what would've happened if we actually had to make a claim for christ's sake!!!!