National Farmers Union Auto Insurance Review

National Farmers Union Auto Insurance is a well established insurance group that serves communities in the Midwest and in the Rocky Mountain areas.

They were established in 1945 and have many local offices as well as internet service for their customers. Compare car insurance companies and get FREE quotes with our ZIP code search tool!

National Farmers Union Auto Insurance is a member of the much larger QBE Insurance Group, which is one of the top insurers worldwide. In addition, they have received an A rating from A.M. Best Company, a rating agency for auto insurance companies.

National Farmers Union Auto Insurance is not just an insurance company for vehicles. They cover a large range of products and offer many other services that are beneficial to all insurance needs that may arise. Get FREE auto insurance quotes now with our quote comparison tool!

Insurance Products Offered:

• Automobile
• Homeowners
• Renters
• Small Commercial
• Farm Owners
• Telecommunications

National Farmers Automobile Insurance

Automobile insurance is a necessity in most people’s lives. But, when comparing companies, it can become confusing to decide which one has the best product and the best price. One thing to consider is the different auto insurance discounts discounts that are available through each insurance company.

Auto Policy Discounts Offered:

• Pre-payment of premiums: Up to twenty percent can be saved if the entire premium is paid at one time.
• Accident Forgiveness: Under current car insurance laws, after a period of four years, one accident will be removed.
• Safe Driver: Being a proven safe driver can mean a reduction in policy premiums.
• Multiple Policy: Auto insurance discounts may be applied if more than one policy is held with National Farmers.
• Senior Citizens: Clients over fifty, who are not also insuring a person under twenty five on the same policy, are eligible for
• a discount on private vehicles.
• Good Students: Drivers that are unmarried, under the age of twenty five and maintain full time status as a student are
• eligible for a discount.
• Loyalty: Receive discounts for staying insured with National Farmers Auto or for staying with the previous carrier for
• three years or more.
• Teenage Drivers: Special programs are offered that are directed at new drivers
• Multi-Car: Additional discounts may be applied if two or more cars are insured under the same policy.
• Credit Score: The better the credit rating is, the lower the premium is as well.

Homeowners Insurance

National Farmers Union Auto Insurance also carries Homeowners Insurance. This insurance is not just specific to those who own or are financing a single family home.

Types of Homeowners Insurance Available:

• Single Family Residences
• Condominiums and Townhomes
• Renters Insurance
• House Boats
• Personal Umbrella Policies for additional coverage

National Farm Union Auto Insurance will work with each individual to determine the best way to insure their property as well as to help determine the correct or best value to be insured. There are many options in regards to how the replacement cost of a home can be determined and paid out.

• Replacement cost: This is the cost to rebuild the house just as it is currently. This option does account for any updates or improvements that were done to the home.
• Functional Replacement Cost: In newer homes there is not a difference between functional .replacement cost and replacement cost. However, there is a huge difference if the insured home is an older home. With this option, the house will be insured to be rebuild using current construction methods.
• Actual Cash Value: This is the cost to rebuild less any depreciation that may have occurred.
• Market Value: This is the value that the house would sell for including land and any improvements or additions. In addition to helping a person make the best choice in coverage, there are other benefits offered with a homeowners policy.
• Inflation Guard: This is an option that will automatically increase the coverage of the insured policy by a certain percentage at every renewal period. This is done to ensure that the property has enough coverage in case an accident does occur.
• Identity Theft: National Farmers Union Auto Insurance also offers an identity theft protection service to all homeowners, farmers insurance and renters insurance policies.
• Free Safety Training: Free safety information is available at any time to better protect the home and family. Several topics are available, including fire safety, electrical safety and water damage.
• Personal Umbrella Policies: These can be used to add in any additional coverage that may be needed.

Commercial Insurance

National Farmers Union Auto Insurance also offers policies that will fit the needs of most small businesses. This can include the property insurance, liability, vehicles and crime. The policies can be tailored to fit almost any type of business.Farm Owners Insurance

Policies are available for the farming community as well. Again, the policy can be tailored to the individual’s own particular needs. There are types of auto insurance policies to cover the farm, the farming vehicles, as well as offering a farm umbrella. QBE is affiliated with the National Farmers Union and is a proponent for the Carbon Credit program.

A National Farmers agent can be of assistance in participating in the Carbon Credit program.

Benefits

National Farmers Union Auto Insurance is a well established company that can provide most of a person’s insurance needs. Check auto insurance reviews to see what customers have to say about National Farmers Union practices. There are many offices available to visit or all business can be performed online. They also offer a variety of discounts that can help reduce the premiums. Start your quote comparison search today for FREE with our ZIP code search!