Quote FL Insurance Blog

Farmers Insurance Group of Companies started in 1928 as an automobile insurance provider. It is the nation’s third largest insurer of private policy automobile insurance. Farmers Auto Insurance division provides Florida policyholders with a personal local agent to assist them in specializing their auto insurance policy to suit their lifestyle. This agent will also be able to better scope out potential discounts that may be available to the auto policyholder, such as discounts for location or credit history.

Farmers provides services that make the claims process very easy. When you call them in an emergency or after an accident, they first assess your safety. They then assess your immediate needs such as roadside assistance or emergency help, and then they walk you through the claims process. After the claim is processed, Farmers refers service providers to ensure reliable and efficient auto repair. Using the Farmers website, you can find a Florida auto insurance quote in five minutes.

Though Florida is a no-fault insuring state, Farmers offers additional coverage beyond the basic requirements for a Florida auto insurance policy. Farmers also offers the following additions:

Bodily injury Coverage
The Farmers’ policy covers the expenses in the event of another person’s serious injury or death because of an accident in which you are involved. This coverage includes lost wages, medical expenses and financial compensation for pain and suffering.

Collision Coverage
This addition covers the damage caused to your vehicle when you hit another vehicle or object. You would be reimbursed for the damages, minus a chosen deductible.

Comprehensive Coverage
This package offers protection against fire, theft, falling objects, riots, storms, earthquakes, floods, animal damage or other collision with other natural obstacles. Permanently installed equipment is covered under this option as well.

Medical Payments
Farmers offers medical payments coverage, but this addition may not be necessary in Florida. Florida’s no-fault policy requires drivers to carry PIP coverage. Farmers’ PIP coverage offers a broader range of medical costs than the medical payments coverage. With PIP, even lost wages of the injured party are compensated.

Farmers uses Foremost, the nation’s largest specialty insurer to provide motorcycle and antique car insurance. Though the law in Florida does not require motorcycle insurance, it is worth having with the rate of accidents and fatalities. Foremost covers all types of antique cars that are quite expensive to maintain as well, including kit cars, customs, hot rods, foreign cars, exotics and more.

Farmers also offers discounts to policy holders such as professional groups, retired professionals, homeowners, new parents, good students, Teens with certain driving training programs, alternative fuel vehicles, air bags and more.

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