AUTO INSURANCE

AUTO INSURANCE DEFINED

 

Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? As your local Farmers agents, we can take the mystery out of selecting the right Auto Insurance coverage for your needs and budget. Get started with an Auto Insurance quote and learn about our insurance discounts that can help you save money.

The Auto Insurance industry loves its jargon. And unless you’re around it every day, as we are, there is a strong possibility it may leave you scratching your head, so here is a brief overview of the primary types of Business Insurance coverage.

LIABILITY FOR BODILY INJURY
Covers the expenses associated with other people’s injuries or death when you’re at fault, such as medical expenses, loss of income, and pain and suffering. Michigan requires a minimum amount.

LIABILITY FOR PROPERTY DAMAGE
Pays for the damage you, or someone driving your vehicle with your permission, may cause to someone else’s property.

MEDICAL PAYMENTS OR PERSONAL PROPERTY PROTECTION (PIP)
If you or your passenger, or even a pedestrian, is hurt or killed, we’ll cover the medical bills and funeral expenses. It may also cover you or a family member who is a passenger injured in someone else’s vehicle or a pedestrian struck by a vehicle.

COLLISION
Coverage to repair damage to your vehicle resulting from a collision with another vehicle, object or as a result of flipping over. This coverage is typically required if your vehicle is leased or if you have an outstanding loan on the vehicle.

COMPREHENSIVE
Covers damage to your vehicle resulting from fire, theft, falling objects, riots, storms, earthquakes, floods and collision with a bird or animal. This coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.

UNINSURED & UNDERINSURED MOTORIST
Covers you, insured members of your household and your passengers injured in an accident with a motorist who has no insurance or is underinsured. Coverage typically includes payment of medical costs, lost wages and suffering. Coverage typically included payment of medical costs, lost wages, pain and suffering.

 

 

OPTIONAL AUTO INSURANCE COVERAGES

 

ACCIDENT FORGIVENESS
With Accident Forgiveness, Farmers will forgive one accident in a 3-year period.

NEW CAR PLEDGE
If your new car is totaled in the first two years (24,000 miles) of ownership, we’ll replace it without depreciation. Also, if minor repairs are needed, we’ll make sure only original manufacturer parts are used, if available.

EMERGENCY ROADSIDE ASSISTANCE
Farmers Roadside Assistance provides 24/7 access to roadside assistance through the Farmers Claim Department. Includes towing to the nearest qualified repair facility and onsite services such as battery jump start, locksmith services, and other repairs.

PERSONAL UMBRELLA
Supplements the liability coverage you already have on your auto and home policies providing an extra layer of coverage when you need it most. (Your auto policy must have certain limits in order for you to qualify.)

FARMERS GLASS SERVICE
Quickly connects you with a reputable vehicle glass company in your area. You benefit from convenient mobile response wherever you are, quality service, 24/7 scheduling, and national lifetime warranty for as long as you own or lease the vehicle.

CAR RENTAL REIMBURSEMENT
Our network of pre-screened, nationally known rental-car companies offer free pickup and delivery, direct billing to Farmers and an automatic deposit waiver.

EXTENDED CUSTOMIZED EQUIPMENT COVERAGE
Covers the optional equipment that is not permanently installed in the car, as well as theft of items such as tapes, discs or other equipment designed for the reproduction of sound.

 

AUTO INSURANCE DISCOUNTS

 

You may be eligible for a variety of discounts that may help to lower your home insurance premium.

  • Business/Professional Groups (i.e. Police Officers, Firefighters, Military, Doctors, RN’s, Engineers, Dentists, Teachers, etc.)
  • Multi-Policy (i.e. having your home and auto policies together with Farmers)
  • Retired Professionals
  • Good Students
  • Safe Drivers
  • Insuring Two or More Vehicles
  • Alternative-Fuel Vehicles
  • And More!

 * Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary.

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BUSINESS

Managing your small business can be complex, selecting the right Business insurance for your unique operation doesn't have to be. No matter the type of business, a Farmers agent can help you customize an insurance package to reduce your risk and protect your investment. Request a Business insurance quote today to get started.

HOME / RENTERS

Your home is perhaps your most valuable possession, so you'll want to make sure your insurer has withstood the test of time. Farmers® has been providing insurance products for over 80 years and will be there in the event disaster strikes and your home is damaged in a fire or due to another covered cause of loss. Get a Home insurance quote now.

AUTO

Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? Your local Farmers agent can take the mystery out of selecting the right Car insurance coverage for your needs and budget. Get started with an online Auto insurance quote and learn about our insurance discounts that can help you save money.

LIFE

Have you asked yourself: "Do I really need Life insurance today?" Remember, Life insurance isn't just about you and it may not be about today. If you have a mortgage, plan to send your kids to college or just have long term financial goals, a Farmers insurance agent can help you with your unique needs. Request a quote today.

Famers Insurance | Jerffrey Peters Agency

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