Auto Insurance: Smart Auto Protection For You
Why Farmers Auto insurance is a smart choice
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Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? As your local Farmers agent, I can take the mystery out of selecting the right auto insurance coverage for your needs and budget. Get started by calling our office or clicking the button at the top of our website for a quick and easy Auto insurance quote and learn about our insurance discounts that can help you save money.
At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world...and these days, your needs may go well beyond “basic.” That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Whether you are driving in Dallas traffic or running errands in Hurst or Southlake, at the Fox Agency, we will educate you along the way to make sure you get the right insurance coverage for the things that matter most to you.
Types of Auto Insurance Coverage:
There are two types of liability coverage - coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license. If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for them.
Legally required for drivers in almost every state, Liability coverage includes Bodily Injury and Property Damage coverage, which pay for someone’s medical expenses, personal injuries, and property damage if you’re at-fault.
If you hit something like another vehicle or a fixed object like a guard rail, lamp post, or telephone pole, Collision Coverage helps pay for the damages to your car.
If your car is broken into, or dented in a hail storm, Comprehensive Coverage would help cover the losses to your car.
Sometimes called “Other Than Collision” or “Fire and Theft,” Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft.
Uninsured/Underinsured Motorist Coverage
These days, about 1 in 8 drivers are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident.
If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses.
Personal Injury Protection (PIP)
PIP is similar to Medical Payments coverage, but it covers a wider range of costs. It can help pay for medical and rehabilitation expenses, work loss, funeral costs, and even replacement services.
Many states require drivers to carry a minimum level of PIP coverage.
When deciding on your Auto insurance policy or making changes to your coverage, it’s important to understand what each option does, and how it would work if you ever needed it. Some coverages are required by your state, while others are extra options you may want to expand your coverage.
You can also rest assured knowing that Farmers is committed to serving you, with unparalleled customer and claims service.
Auto insurance helps protect you and your family in the event of an accident or other loss. It covers injuries and damages caused by an accident and for which you are legally responsible. It may also cover the cost of repairing or replacing your vehicle if it is damaged or stolen.
However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.
Car insurance with Farmers means:
Control over your policy
You’re in the driver’s seat. Register your policy and manage, change, and update it quickly.
View your My Farmers account now.
Your personal, dedicated and local Farmers agent is there when you need them, and our helpful Call Center agents are always a phone call away.
Find a Farmers agent in your neighborhood.
Insight and guidance
Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.
Learn more in the Farmers Inner Circle.
Manage your policy your way, with the Farmers Mobile App, paperless policy documents and billing, and online automatic bill payments.
Learn more about paperless billing & policies.
Our long list of auto insurance discounts saves you money on smarter coverage.
See which discounts you’re eligible for.
Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.
Customize your Auto Insurance policy with plenty of coverage options
Farmers understands that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.
That’s why Farmers Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.
Consider additional coverage options
You're normally a great driver, but you just had your first claim in years and you're nervous about your rate changing. Well, if you have this option, don't worry! Farmers will forgive one accident for every three years you drive without one.
No Fault, No Foul
Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.
Small Claim Forgiveness
With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.
Insurance coverage for rideshare drivers doesn’t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.
Start today with a quick online Auto insurance quote or call the office and let us help guide you through the process to decide what coverage is best for you.