Farmers InsuranceReviews of farmers.com

Guess what I had in my car until today? An insurance card from Farmers stating I had a policy with them as of 02/03/2023 good maximum a year. Guess when my policy was canceled with them, as I JUST FOUND OUT TODAY (Sept. 2023)? 02/03/2023. Yes, this is a massive adulting fail on my part and I m not proud of it (am also insured with a company other than Farmers/Foremost/AAA as of today). How does this come about your say. Well gather round and I shall tell ye the tale. I move in early 2023 and try to contact AAA, who I initially contacted to get insurance, to advise them of this to update my policy. The AAA rep is after all prominently listed on the Farmers/Foremost portal (when I can get access to it). But he informs me to inform them. Farmers or Foremost? I have no clue, as I once had access to an online portal through farmers, until I got a cryptic message and didn’t. I think it’s been transferred to a Foremost portal (who is Foremost? No one has explained anything), which I accessed once I think?? I manage to log in and inform them of the move. Okey dokey they say. They quote me a slightly higher rate. Righty ho I say. I log out. I print out my shiny new insurance card. I don’t check my bank account which is linked to AutoPay (my fatal error). I just assume all is well. I get a few emails from them saying “Billing documents available” and I go, well alrighty, that is how they tell me they’re doing AutoPay, leastways that’s how it’s always been in the past. I continue my prudent driving habits until I need to share my auto ins card and decide to give pay my old portal friends a visit. Oh no. Oh NO. I call a Farmers lady who tells me I haven’t had insurance since 02/03/23 and Christ, how did I not know? (She didn’t say Christ. She was very friendly and probably only mentally taking the Lord’s name in vain.) I tell her I never got any notices? She says yes you did? I said they all looked like the generic autopay notices. Also what is Foremost? She says they were giving you insurance actually. Farmers is just the name on your card. But you could have logged into both portals. I say you are very nice but actually, no I very much could not. I say I am an adult in 2023 and have tons of things on Autopay. I did not check my bank statement for the roughly $50/month charge. Yes I should have done this. I did not. Adulting fail. However your systems are also BADLY designed. She is clearly preparing to take this to her boss (she cares! she's a darling!) and says, if this were a month or so late I could have done something. But then she starts going on about how she has to Demonstrate that I haven't known and Gather evidence and I'm like, lady you seem nice but I need to go get me some actual insurance. And given I've been derelict for over half a year now, I'm not going to find anything worthwhile from your reputable establishment, so kindly I must take my leave kthxbye. Have I mentioned the charge that caused me to lose insurance back on 02/03/23 (again despite the fact that I also was able to print out a card good 02/03/23 that very day)? THREE. DOLLARS. THAT was the rub and it couldn’t go through on Autopay because Reasons and they sent me a notice about it to my email (I opted into paperless billing like a fool) and it looked just like their notices saying hey we’re doing the Autopay thing and have I mentioned their portal was a nightmare. Anyway I am still ultimately the one responsible to carry auto insurance (which I have consistently done since licensed and driving a vehicle) and had I had an accident, my ignorance here would not have been an excuse. Very much aware of this and not proud. Easily the biggest adulting fault of my 30s, or the second biggest after marrying my ex. (Are you happy, Foremost/Farmers/AAA? You are being compared to beyond execrable ex spousal units. NOT A GOOD LOOK.) So tldr, PLEASE stay away from these people if you a) want to know who you actually are getting your insurance from; b) want a vaguely 21st century billing and payment experience; c) want the space time continuum to make some sort of kind of sense. Again. Not saying this wasn't also a major fail on my part. It absolutely was. Over and out.

My experience as a customer after just a year had been bad so I canceled all of my policies (home, auto, umbrella). The website was terrible, I had autopay set up for each policy and still got billed and late fees with no attempt by the system to take some payments (while it worked for others). I was forced to set up autopay by my agent (she did the set up), when I started the policies, so why didn't it work? My agent changed without my consent to an agent far from my home when there were agents much closer. So I canceled and ended up being sent to collections for an amount that accrued after the cancellation date. Though I still don't believe I owe anything that accrued after I canceled, the amount was small so, just to get them out of my hair, I paid it...then the collections texts started.

Getting notifications from Farmers to clean up debris in backyard. But they won’t say What debris! They are sneaky and used Google and sent our agent to say we had to remove a huge tree. It was a liability. That tree has been gone for over 5 yrs! Now they say our vehicles in back yard our a liability and need to pay $40 each to insure. We already have full coverage on 4 other cars and an RV. We also were told a tree/bush is touching the house and it needs to be removed or cut back. My husband has been in 2 car accidents and Farmers is paying very little for life long injuries. We may end up with nothing after paying attorneys. $125,000 gone! His medical bills are over that. But due to both accidents the coverage by the hitters is barely what you need to have. Both cars totaled. We also had to pay back Family Medical leave. And he lost his job. Attorney is getting $44,000. And we have forever bills and injuries. Farmers is rotten . They are pulling out every where. Can’t sue the people who caused accidents because young 20s something with no assets. Farmers is also representing both of other drivers who caused accidents. What are we suppose to do. And we have no idea what debris they want removed. We have 2 months or lose all coverage. But no one will tell us what they are complaining about. How great is that??? And we don’t know who will cover us now since so many insurance companies are bailing in Colorado. All government arranged.

Last year, I called in to pay my policy up for the whole year. For some reason, they put me on monthly installments. I HAVE NEVER SIGNED UP FOR MONTHLY INSTALLMENTS. I HAVE ALWAYS PAID MY INSURANCE ONCE A YEAR. So, after I paid for the whole year, I get dinged on my account for an additional monthly payment...it cost me three dollars that they would not give back. So I call again this year to pay my insurance up for the year and again, I've been placed on monthly. No one told me that the discount comes when you pay monthly, not yearly. Like, who does that? So they put me back on monthly so that I could get the discount and just pay the whole year off. I was told that it takes 24 hours for the transfer back to monthly could take place. When I call today, more than 24 hours later, I was told that it takes 48 hours. Oh, and did I mention that the dingbat that changed me to yearly did not tell me about the discount only being applied to the monthlies? So now I'm waiting another day to pay my insurance. Wonder what I'll be told tomorrow. They are absolutely horrible and the only reason I don't change insurance is because the car I drive is being stolen at alarming rate so other insurances are doubling their rates. It's absolutely ridiculous. I hate Farmers. I would absolutely not recommend them to anyone. I wish I could have given them a negative star.

I’ve had farmers over 16 years, no problems. I’ve had a very difficult 2years and wasn’t paying attention to my auto pay, it got returned. It has happened in the past as I was paid daily before and they’d add it to my next pmt. I paid my past due and had to get a new policy, ok, so I called and they “doubled “ my auto insurance, no accidents etc. ( the agent was a little rude too) he said it was because I currently “had no insurance.” I called another agency and got a policy for $120 per year less than my old policy. Goodby good riddance. Don’t waste your time..

This is the worst insurance company I have EVER dealt with. They are greedy beyond belief and would rather lose a customer for life then adjust their premium costs for a customer that has never made a claim on either our home or auto. They increased our auto insurance $250 a year and our homeowners increased over $350... with never making a claim on anything and no tickets or accidents. When I asked them why the increase they just said Insurance is increasing all over. REALLY? I have cancelled both my home and auto with them and WILL NEVER EVER GO BACK WITH THEM. Buyer beware of this horrible company! They may lure you in on a lower premium up front but then they will smack you down with the next years premium. GOOD BYE FARMERS INSURANCE. Worst insurance company ever!

I just signed my 95 yr old Mom up for a new policy 2 days ago and will be canceling. These people are the most rude and inept I've ever dealt with. I'm so sorry I brought my Mom to this. I should have read reviews. I'm surprised Farmer's remains in business. You will need an outside Public Adjuster to settle every claim with them. From what I've read in so many other claims, these people are Charlatans, worse than Allstate! The ineptitude and rudeness of their customer service in dealing with a new customer is enough to scare me! They also insist you must have a Smart Phone to be able to login to your account. This is very short sighted. Goodbye!

I was hit by a driver with Farmer's insurance. They were 100% liable for the accident, so I went through their insurance to fix the damages. What a nightmare!! Customer service should get an F. The adjuster never even called me initially (I had to reach out to them). The adjuster had a nasty attitude. I asked to switch adjusters 4 times, just to work with someone a bit nicer. They never switched me. Even the local car rental place mentioned many customers have problems with Farmer's insurance. Thank god for State Farm and Geico, because their customer service is 10000% better. Also, even though their driver was 100% liable for the accident, they refused to pay for the comprehensive car insurance on the rental car, forcing me to come out of pocket for that. What a nightmare it has been working with them. I will recommend everyone I know to stay away from using Farmer's.