When you are trying to get insurance for your car, you have many choices. Two of the biggest names in the insurance industry are Farmers Insurance and State Farm Insurance. Both of them have been around a long time and offer service through local agents as well as top insurance coverage.
Farmers Insurance or State Farm Insurance?
Both Farmers Insurance Company and State Farm Insurance Company offer all types of car insurance as well as other types of insurance. Farmers Insurance is a little bit more laid back when it comes to selling you other insurance deals.
State Farm is a better insurance company to go with if you have other insurance that you wish to purchase. For example, if you are thinking about buying multiple policies or if you want to combine homeowners insurance with car insurance, you can often get a better deal when you go with State Farm Insurance in a multi deal policy.
When it comes to lower premiums, you can often save about $20 a month if you stick with Farmers Insurance. Again, this depends on the number of policies that you have and the type of coverage. If you have many policies and have all of your insurance under one banner, you can often save more money with State Farm.
If you get into an accident, State Farm Insurance and Farmers Insurance offer protection. You can count on them to have people to defend you in the case of an accident. Both State Farm Insurance and Farmers Insurance pursue lawsuits against the insurance company aggressively and also will defend lawsuits as well. Both State Farm and Farmers hire outside counsel, for the most part, when it comes to defending insurance claims in court.
You can get a discount on your car insurance if you have not had any accidents or tickets over a certain period of time when it comes to State Farm and Farmers Insurance. Both of them offer discounts to students who are above average in school as well. Both State Farm and Farmers Insurance companies have agents in the neighborhood who will service you if you need insurance, have questions or need to make a claim.
Insurance at your Doorstep
Many people enjoy getting insurance coverage from someone local so that they can call them if they have any problems. Both Farmers Insurance and State Farm Insurance offer this type of service. They offer agents who sell their products exclusively and give personal service. Both Farmer Insurance and State Farm Insurance are considered to be premium insurance companies where personal service is part of the coverage. You can expect to get service and competitive rates when you get car insurance through either of these companies.
If you are unfortunate enough to have an accident with State Farm or Farmers Insurance, you will receive personal service from your agent and claims adjusters that are assigned to handle your case. You will not have to deal with sub standard insurance agents or computerized claims forms. Those who want to have personal service as part of their car insurance coverage should look into getting State Farm or Farmers Insurance, with those who want more than one policy considering getting a State Farm Insurance policy.