Ohio Farmers Auto Insurance Review

This Ohio Farmers Auto Insurance review is designed to help customers make an informed decision when selecting an auto insurance company. Originally constructed to compensate Ohio farmers who lost crops due to natural disaster, Ohio Farmers Insurance has expanded coverage to include automotive and boat insurance. As of 2000, the insurance company became known as the Westfield Group.

All About Farmers

Ohio Farmers Insurance is located in Westfield Center, Ohio. 2010 estimates place annual company revenue at approximately $21,726,336 United States dollars (USD). 2,319 employees keep the company running smoothly. Customers have a variety of automotive insurance options to choose from including recreational vehicle (RV) and leased vehicle coverage.

History of Ohio Farmers Insurance

Ohio Farmers Insurance was initially known as Farmers Mutual Fire Insurance of Medina County. In 1848, Ohio legislature recognized the need to protect local farmers from fires caused by oil lamps and sparks emitted by grain threshers. Interested farmers pooled their assets and agreed to have them distributed in the event someone lost their crops. All monies were held by an insurance agent who processed claims as needed.

1851 marked the year that Farmers Mutual Fire Insurance became Ohio FarmersInsurance. It would be another 26 years before the company would focus its energies on clients outside of Ohio. In 1877 the first non-resident client was insured in the state of Indiana. Cheap auto insurance was added in 1912 after the company expanded their market to include the East coast.

The 60s marked a series of changes for the company. For almost 40 years Ohio Farmers experienced massive growth and a handful of name changes that included: Ohio Farmers Indemnity Company, Ohio Farmers Insurance Group and Westfield Companies. Ultimately the decision was made to completely consolidate Ohio Farmers into the Westfield Group in 2000.

Additional products under the Westfield Group include: Westfield Insurance, Westfield National Insurance Company, American Select Insurance Company and Old Guard Insurance Company. The name has changed, but customers receive the same comprehensive automotive coverage.

Products

According to business directories, Ohio Farmers Insurance offers property and casualty insurance. Policies provide coverage in the event of property loss and/or death. The following are a list of available policies:

• Traditional car and truck coverage.
• Motorcycle coverage. In addition to discounts for long-time policy holders, reduced rates are available for motorcycle association members and customers who take motorcycle training classes. The company also adjusts policy rates based on the time of year when policy holders are most likely to ride their bikes.
• RV/Recreational Vehicles. Policies are adjusted for vehicles used part-time. Snowmobiles and classic cars fall into this category.

Policy Options

All types of auto insurance policies offered through Ohio Farmers insurance include various levels of coverage for liability and physical damage. RV policy holders have the option of adding tow coverage. Motorcycle policy add-ons include medical payments for the driver and bike passengers, tow coverage and safety equipment replacement in the event items are damaged during a collision.

As an added convenience, customers may add RV or motorcycle policies onto existing automotive coverage for additional savings.

Ohio Farmers Insurance offers additional options that include 24/365 roadside assistance throughout the United States (US) and Canada. Loan or lease coverage pays off remaining balances in the event a vehicle is totaled.

The safety and welfare of all drivers is important. Considering the likelihood of accidents involving drivers under 20 years of age, all Ohio Farmers policy holders have access to teen driving schools that encourage safe driving habits. Program enrollment provides additional policy discounts.

Customer Reviews

Customers with Ohio Farmers auto insurance state they receive fast, courteous service. Customer service representatives and adjusters handle everything from cracked windshields to vehicles totaled during cross-country road trips.

The ability to file claims over the phone received high marks for convenience. In cases where a rental vehicle was required, customers indicated that payments sent directly from Ohio Farmers to the rental facility helped the process run smoothly.

Enrollment

Customers must contact an authorized agent to receive auto insurance coverage with Ohio Farmers. Insurance premiums are paid through electronic withdrawal from a bank account, online, by mail or over the phone. Certain payment formats are prohibited by a few states.

Final Thoughts

Ohio Farmers Insurance is still going strong after 150 years of service. As they continue to grow, company representatives stress the importance of focusing on customer needs. Auto insurance policies combine comprehensive coverage with personable customer service to create long-term policy holders.