Farmers Insurance

Overall Rating
 1 of 5

Value Rating
 1 of 5

Used product for
3 Months to 1 year

Price Paid:  $25000.00 from Lakewood, CA

Year / Model Reviewed:
2009 Hyundai Santa Fe

Strengths:
Thought it had many

Weaknesses:
Poor coordination between the agent and the company. Huge gap between what they quote and what they bill.

Summary:
Avoid it completely. They cannot keep hiding behind being a big company and they do not care about their customers. When you ring the customer servcie regarding their policy premium they try to push the issue back to the agent. While the agent is clueless. So you land up running between pillar to post. Better have a deep pocket if you go for them. Avoid agent Tanaka McCoy at memphis. She has no influence at all to fight for you or even get updates from the company. Iwish I had been advised similarly.

Overall Rating
 1 of 5

Value Rating
 1 of 5

Used product for
1 to 3 months

Price Paid:  $0.00 from -

Year / Model Reviewed:
1992 Chevrolet Caprice Wagon (custom)

Strengths:
NONE!!

Weaknesses:
Do not pay the value of the actual vehicle in an accident

Summary:
I have a customized caprice wagon which is a bit of a difficult vehicle to replace considering all the attributes mine has. After a farmers' insured ran into my quarter panel, they initially estimated 1500 to fix it, even though the body shop they told me to go to claimed 3k minimum. So, I pointed out a few mistakes in their estimate (no two tone paint, underestimated time for repairs based on 3 private estimates, incorrect methods of repairing damage, etc), causing them to total the vehicle. So, now I have to deal with thier total loss department...yay. Their offer to me was based on sedans as this is a difficult style of vehicle to find. The problem is, sedans are a dime a dozen whereas there is quite a following for the wagon (drive one and you will understand). Needless to say, the offer is significantly lower than what it would cost to buy my car before all the upgrades were installed, so I sent them all the reciepts of items purchased withing the last 6 months equaling over $3k. Their adjustment was less than $100 to pay for my 3k worth of improvements. WTF!!! They will not negotiate or listen to any atttempt at reason and have actually said "we will not adjust the offer any higher no matter what you send us" even though I sent them several comps showing the value of the vehicle to be double their offer. Whatever you do, avoid Farmers at all cost...
On a side note, I also had called them less than 4 months ago about getting insurance for my home/cars, and they were OVER DOUBLE the cost of my previous insurance company (nationwide). I switched to Kemper to save even more and am paying just over $900 for my home (vs 2200 quote from farmers) and $714 for my cars (vs 1800 quote from farmers). I realize I am still in my 20's (28), but there is no reason for such a price difference.

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.