I will personally review your policy and help you identify any potential overlaps or gaps in your coverage. We'll also identify any discounts you qualify for.
It's all part of Farmers commitment to get you back where belong.
What is Auto Insurance?
Auto insurance helps you to protect you and your family against financial loss in the event of an accident or other cause of loss. It
covers the injuries and damages caused by an accident and for which you are legally responsible. It may also cover the costs of
repairing or replacing your vehicle if it is damaged or stolen.
What if I don't have car insurance?
In most states, you're required to carry a minimum amount of liability insurance (or post a bond) and also provide proof of insurance
before you can license your vehicle or renew your driver's license. If you are caught driving without car insurance, you may have to
pay a large fine, have your driver's license suspended, and/or have your car impounded. Contact your local Farmers agent to find out
what the specific requirements are in your state for car insurance quotes.
How much Auto insurance coverage should I purchase?
The required minimum coverage may not be enough to pay for all the damages that result from an accident, and the legally
responsible driver will have to pay the additional expenses out of pocket. You may want to speak with an agent to discuss the best
auto insurance coverage for your needs and budget.
How can I keep my auto premiums down?
Generally, the longer you drive without major citations or accidents, the lower your premium will be. You may also qualify for
discounts based on safety features on your vehicle. Farmers also offers an Annual Policy which keeps your rates stable for the entire
year. We calculate your insurance costs for the year, and you don't have to worry about changes for a whole 12 months. Furthermore,
with the FarmersFlex Program you can lock in your base rates, and qualify for accident forgiveness for up to 3 years. Also, if you
insure additional cars or your home with Farmers you can save on all your premiums. For further information, contact your Farmers
agent.
Why should I insure my car with Farmers?
With Farmers, you get my local professional help, who can offer you insurance coverage to meet your auto, home, life and small
business insurance needs, simplifying your life and enabling you to save with multi-line discounts. I can talk to you about which
discounts you may be eligible for.
Farmers is committed to serving the needs of its customers, with unparalleled customer and claims service.
WE NOW OFFER BRISTOL WEST INSURANCE. EXCELLENT RATES FOR DRIVERS WITH TICKETS,
ACCIDENTS, MAJOR VIOLATIONS, OR NO PRIOR INSURANCE.
Insurance Terms and Coverages
Liability-Bodily Injury/Property Damage Coverage
Uninsured Motorists/Underinsured Motorists (UM/UIM)
Medical
Deductibles
Damage to Your Vehicle - Collision
Damage to Your Vehicle - Comprehensive
Emergency Roadside Assistance & Towing Service
Loss of Use
It's all part of Farmers commitment to get you back where belong.
What is Auto Insurance?
Auto insurance helps you to protect you and your family against financial loss in the event of an accident or other cause of loss. It
covers the injuries and damages caused by an accident and for which you are legally responsible. It may also cover the costs of
repairing or replacing your vehicle if it is damaged or stolen.
What if I don't have car insurance?
In most states, you're required to carry a minimum amount of liability insurance (or post a bond) and also provide proof of insurance
before you can license your vehicle or renew your driver's license. If you are caught driving without car insurance, you may have to
pay a large fine, have your driver's license suspended, and/or have your car impounded. Contact your local Farmers agent to find out
what the specific requirements are in your state for car insurance quotes.
How much Auto insurance coverage should I purchase?
The required minimum coverage may not be enough to pay for all the damages that result from an accident, and the legally
responsible driver will have to pay the additional expenses out of pocket. You may want to speak with an agent to discuss the best
auto insurance coverage for your needs and budget.
How can I keep my auto premiums down?
Generally, the longer you drive without major citations or accidents, the lower your premium will be. You may also qualify for
discounts based on safety features on your vehicle. Farmers also offers an Annual Policy which keeps your rates stable for the entire
year. We calculate your insurance costs for the year, and you don't have to worry about changes for a whole 12 months. Furthermore,
with the FarmersFlex Program you can lock in your base rates, and qualify for accident forgiveness for up to 3 years. Also, if you
insure additional cars or your home with Farmers you can save on all your premiums. For further information, contact your Farmers
agent.
Why should I insure my car with Farmers?
With Farmers, you get my local professional help, who can offer you insurance coverage to meet your auto, home, life and small
business insurance needs, simplifying your life and enabling you to save with multi-line discounts. I can talk to you about which
discounts you may be eligible for.
Farmers is committed to serving the needs of its customers, with unparalleled customer and claims service.
WE NOW OFFER BRISTOL WEST INSURANCE. EXCELLENT RATES FOR DRIVERS WITH TICKETS,
ACCIDENTS, MAJOR VIOLATIONS, OR NO PRIOR INSURANCE.
Insurance Terms and Coverages
Liability-Bodily Injury/Property Damage Coverage
- Pays for bodily injuries for other people or damage to their property, if you are liable as a result of a covered loss.
- Includes medical expenses and lost wages.
- Coverages are subject to the limits and conditions of the policy.
- Arizona requires drivers to carry liability coverage.
Uninsured Motorists/Underinsured Motorists (UM/UIM)
- Pays for bodily injuries, but not property damage, you, qualified family member, and any other person occupying the covered
vehicle, caused by an UM/UIM or a hit-and-run driver. - Also applies to house-hold members as pedestrians.
- Includes payment of medical costs, lost wages and pain and suffering.
- Coverage amount is usually equal to liability limit. See your Agent for available limits.
Medical
- Pays medical bills and funeral expenses for you or your passenger(s) injured while riding in your vehicle.
- Extends to you or your family member while riding as a passenger in someone else's vehicle or when struck by a vehicle as a
pedestrian.
Deductibles
- The deductible is the amount of the loss you agree to pay in the event of a claim or accident. Let's say you have a $250
deductible. If you have a fender-bender, and the body work costs $1150, you will pay the deductible - $250, and the insurance
coverage will pay the balance - $900.
Damage to Your Vehicle - Collision
- Covers all accidental damage to your vehicle caused by collision from any object or by a vehicle overturned.
- Pays up to the actual cash value of your vehicle, less the deductible you select.
- Coverage is normally required if your vehicle is leased or if you have an outstanding loan on your vehicle.
Damage to Your Vehicle - Comprehensive
- Protects your vehicle by paying for your losses resulting from fire, theft, falling objects, riots, storms, earth quakes, floods,
collision with a bird or animal or other natural occurrences. - Like Collision coverage, Comprehensive generally includes a deductible.
- Comprehensive is normally required if your vehicle is leased or if you have an outstanding loan on your vehicle.
- Provides coverage for broken windshields (full glass coverage is available at zero deductible).
Emergency Roadside Assistance & Towing Service
- With one toll-free call (1-800-435-7764), Farmer's Service Representatives across the U.S. and Canada will help you get back
on the road safely and easily. With our optional towing and road side service, you can reach us 24 hours, 365 days a year. - Up to $150 - no need for cash, check or credit card. Amounts over $150 are submitted to the agent for the approval.
Loss of Use
- After a car accident, you may need to rent a car while yours is being repaired. Coverage pays a flat amount to assist with
expenses that you may incur following an auto accident. - Multiple plans are available to fit your lifestyle and budget.
Auto
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