Can affordable auto insurance actually provide quality coverage?
We all want to save money on car insurance. But at Farmers, we also want you to feel confident that you have the coverage you want. So when you’re shopping for a car insurance quote, how can you be sure you’re choosing the right coverage at the right price? One thing that can help is to enroll in discounts — we offer over 20 options, and yes, layering multiple discounts is OK. Next, consider raising your deductible. While you’d pay a higher deductible if an accident were to happen, your policy premium costs less. Because hey, whether you’re driving a sporty 2-door electric car, or a 4-door family van, who wouldn’t love a more affordable price?
Types of Vehicles we insure
- Autos
- Motorcycles
- Boat and Watercraft
- Collectible Autos
- 5th Wheels
- Travel Trailers
- ATV and Off-Road
- RV and Motorhome
Here’s a list of coverages and a brief explanation of what they do.
Liability
The company pays if you injure someone or damage someone’s property in an accident. When you buy liability, you choose a limit—the maximum amount the company will pay for a liability claim. Most states require you to have a minimum amount of liability coverage.
Collision
The company pays to repair damage to your car when you hit, or are hit by, another vehicle or object, regardless of who’s at fault.
Comprehensive
The company pays to repair damage to your car that’s caused by something other than a collision, such as fire, theft, vandalism, hail or flooding. They also pay for damage to your vehicle caused by hitting an animal.
When you buy collision and comprehensive, you choose a deductible—typically $250, $500 or $1,000. This is the amount you pay to the repair shop. The company pays the rest.
While collision and comprehensive aren’t required by law, your bank may require them if you finance or lease your car.
Uninsured Motorist Property Damage (UMPD)
The company pays to repair damage to your vehicle caused by a driver who doesn’t have car insurance.
Uninsured/Underinsured Bodily Injury (UMBI)
The company pays for your medical expenses, lost wages and other damages when you’re hurt in an accident caused by a driver who has insufficient or no insurance.
Medical Payments (MedPay)
The company pays for the cost of reasonable and necessary medical care you get as the result of an accident, regardless of who’s at fault.
Personal Injury Protection (PIP)
The company pays for medical bills and—in some states—other living expenses while you heal if you’re unable to work as a result of an accident, no matter who’s at fault.
Rental Reimbursement
The company pays for your rental car while your car is being repaired as part of a comprehensive or collision claim.
Roadside Assistance
The company pays for repairs or towing when your vehicle breaks down due to mechanical or electrical issues, a dead battery, or a flat tire; you’re locked out of your car; your vehicle runs out of gas; or your vehicle gets stuck in the snow or mud.
Glass Deductible Buyback
A coverage option, available at an additional cost, called Glass Deductible Buy Back. This coverage includes windshield and glass repair and replacement, and your only responsibility is a $100 deductible.
How much coverage or which coverage should you choose?
For more information on auto insurance coverages give us a call 913-800-5944
*Coverage availability varies by state and company. Please refer to your policy for more details about the coverages you’ve bought.
*Denotes a required field
Thanks for providing your phone number(s) above. We sometimes reach out to consumers by call and/or text to provide helpful information about products or services. By clicking “Submit” you consent to marketing calls and/or texts made to you on behalf of my agency using an automated telephone dialing system and/or an artificial or pre-recorded voice, even if your telephone number is listed on a national, state or business do-not-call registry. Your consent is not a condition of purchase.