Sunday 10 January 2016

Farmers Insurance

Farmers Insurance Group (informally Farmers) is a U.S. insurer group of automobiles, homes and small businesses and also provides other insurance and financial services products. Farmers Insurance has more than 50,000 exclusive and independent agents and approximately 22,000 employee

In 1959 a Farmers customer wrote us a letter of surprised gratitude when his car battery was replaced just an hour after it was stolen. A letter from a couple in 2002 wrote that their Farmers agent and Claims Adjuster “were exceptional in their handling of our grief, what we needed to do, and helpful in many other ways.” That same year, when Hurricane Rita struck Beaumont, Texas, Farmers sent 300 agents to assess damages while policy holders were evacuated. Farmers also donated $100,000 for the city’s emergency operations center and two megawatt generators that restored power to Beaumont. Whatever year or decade a disaster occurs, you can count on us to be there for you.

Today, the companies comprising the Farmers Insurance Group of Companies make up one of the country's largest insurers of vehicles, homes and small businesses and provide a wide range of other insurance and financial services products.

Farmers is proud to serve more than 10 million households with more than 20 million individual policies across all 50 states through the efforts of over 50,000 exclusive and independent agents and nearly 24,000 employees.

The Farmers Exchanges are three reciprocal insurers (Farmers Insurance Exchange, Fire Insurance Exchange and Truck Insurance Exchange) owned by their policyholders, and together with their subsidiaries and affiliates comprise the Farmers Insurance Group of Companies. Farmers Group, Inc. and its subsidiaries, in their capacity as attorneys-in-fact, provide administrative and management services to the Farmers Exchanges.

Operations
    The Farmers Exchanges, headquartered in Los Angeles, CA, are three reciprocal insurers or inter-insurance exchanges (Farmers Insurance Exchange, Fire Insurance Exchange and Truck Insurance Exchange) owned by their policyholders. The Farmers Exchanges, directly or through their subsidiaries and affiliates, offer homeowners insurance, auto insurance, commercial insurance, and financial services throughout the United States. Farmers Group, Inc. (dba Farmers Underwriters Association) and its subsidiaries, Truck Underwriters Association and Fire Underwriters Association, provide certain non-claims administrative services for the Farmers Exchanges as their attorneys-in-fact. The Farmers Exchanges do not hold an ownership interest in Farmers Group, Inc., and neither Farmers Group, Inc. nor its ultimate parent, Zurich Financial Services Ltd., a Swiss company, holds an ownership interest in any of the Farmers Exchanges.
    The Foremost Insurance Group, headquartered in Grand Rapids, Michigan, is a group of companies that primarily insure specialty products such as mobile homes, motor homes, travel trailers and specialty dwellings, motorcycles, off-road vehicles, boats and personal watercraft. It was founded in 1952 and was acquired by the Farmers Exchanges in March 2000. The Foremost companies are subsidiaries of the Farmers Exchanges.
    The Bristol West Insurance Group became a part of Farmers in July 2007. In 1973, it began providing private passenger auto insurance to residents in Florida and now provides liability and physical damage insurance – focusing exclusively on private passenger vehicles – across the United States. The Bristol West companies are subsidiaries of the Farmers Exchanges.
    21st Century Insurance, headquartered in Wilmington, Delaware, became a part of Farmers in July 2009. Using the internet and direct response marketing channels, 21st Century markets personal auto insurance to consumers throughout the United States. The 21st Century Insurance companies are subsidiaries of the Farmers Exchanges.
    Farmers New World Life Insurance Company started as Catholic Life Insurance Company in Spokane, Washington in 1910. Later that year it was renamed New World Life Insurance Company. In 1953, it was acquired by Farmers Group, Inc. In 1954, its name was changed to the current Farmers New World Life Insurance Company. Farmers New World Life Insurance Company is now based in the Seattle suburb of Mercer Island, Washington. It offers flexible universal life insurance, traditional term life insurance, whole life insurance and annuities. Farmers New World Life Insurance Company is a subsidiary of Farmers Group, Inc.
    Farmers Financial Solutions, LLC. was created by the Farmers Exchanges in 2000 to provide financial products to customers.[

Erie Insurance

Erie Insurance Group is an American multi-line insurance company, offering auto, home, commercial and life insurance through a network of independent insurance agents.

Erie Insurance Group's geographic presence extends to 12 U.S. states and the District of Columbia, including Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin. It also owns the naming rights to the Erie Insurance Arena in downtown Erie, Pennsylvania.

Auto Insurance from Erie Insurance

Since 1925, people have been choosing ERIE to insure their cars and other vehicles because of our fair and competitive prices, but ERIE’s much more. We also provide:

    Highest levels of customer service for auto Policyholders
    Over 30 extra car insurance policy features
    Flexibility to customize your car insurance policy
    Stability that ranks at the top of the auto insurance industry

Auto Insurance Discounts

At Erie Insurance, we live by the same purpose our Founder, H.O. Hirt, did:

To provide our Policyholders with as near perfect protection, as near perfect service as is humanly possible, and to do so at the lowest possible cost.

We’re committed to keeping auto insurance rates as low as possible through disciplined underwriting. Erie Insurance further reduces your auto insurance premium by offering numerous discounts:

Auto Insurance Agents

ERIE’s independent insurance Agents will help you make important decisions about your auto, home, life and business insurance. They’re experienced, hard-working insurance professionals — as interested in you as they are in providing you with car insurance coverage.

At Erie Insurance, we realize each auto insurance policy sold is a promise of service. We use our own trained auto claims adjusters, ensuring that your car insurance claim will be settled quickly and fairly by ERIE personnel who know our ERIE auto insurance policy and understand how important service is to us — and to you.

Auto Insurance Coverage

ERIE’s auto insurance policy protects you against financial loss if you have a car accident. General types of auto insurance coverage include property, liability, medical, uninsured and underinsured motorists, comprehensive and collision coverage.

Country Financial

Country Financial (also known as CC Services and Country Insurance & Financial Services; branded as COUNTRY Financial) is a group of US insurance and financial services companies. Its corporate headquarters are in Bloomington, Illinois.

Overview:

The company was founded in 1925 when a group of Illinois Agricultural Association members developed an organization to provide fire and lightning insurance for farmers. In the company's first year of operation, more than 385 Illinois farmers worked part-time, offering insurance services to their friends and neighbors.

Crop insurance became available in 1926, auto insurance in 1927, and life insurance in 1929. Financial services, including retirement planning, estate planning, investment management, and annuities have been available for more than 35 years.

In more than 87 years of operation, the company grew to serving clients in 14 states and offering products and services in 40 states.

Country Financial and its alliances serve more than 1 million households and businesses and insure more than 1 million vehicles and a half a million homes throughout the United States. The organization currently has 2,669 employees and more than 2,000 financial representatives.

Intro

Most states require minimum liability insurance. And if you have a loan on your car, you may have to carry collision and comprehensive coverage. The rest is up to you.

Along with great rates and some of the best claims service around, COUNTRY Financial® offers a variety of ways to customize your car insurance so you can cruise the road with confidence.

Physical Damage

Physical Damage provides protection for damage to your vehicle if you have a covered accident, and you choose a deductible for each coverage. Your deductible is the amount you’re responsible for each time you have a covered claim. Your insurance costs will be lower with a higher deductible, but your costs at claim time will be higher.

Liability and Medical Insurance

Liability insurance can protect you if you’re at fault in an accident and responsible for injuries to others or damage to property. Medical costs and lawsuits can be costly, so it’s important to carry the right coverage limits for your situation . Coverage amounts vary by state and if you’re not sure what to choose, we can help you figure it out.

Uninsured and Underinsured Motorist Protection

This coverage gives you protection for injuries you experience if an uninsured or underinsured driver is at fault.

Auto-Owners Insurance

Auto-Owners Insurance is a group of insurance companies based in Delta Township, Michigan, just west of Lansing. The company offers property and casualty insurance, including personal and commercial lines, as well as life insurance. It is the largest property and casualty insurance company headquartered in Michigan with over $16 billion in assets and over $5 billion in written premium.

Auto-Owners was founded in 1916 and now has 94 full-service and claims branches nationwide. Subsidiary companies include Auto-Owners Life Insurance Company, Home-Owners Insurance Company, Owners Insurance Company, Property-Owners Insurance Company and Southern-Owners Insurance Company.

Auto-Owners is a mutual insurance company and operates solely through local independent agencies. More than 6,300 agencies employing more than 37,000 agents nationwide represent Auto-Owners. The Company itself employs over 4,400 associates. The Company is ranked 425th on the Fortune 500 list, which lists companies in the United States by revenue, and it has been on the list for 13 straight years. This makes Auto-Owners Insurance the 18th largest Michigan-based business on the Fortune 500 listing.

Auto-Owners Insurance is a Fortune 500 company and is the 16th largest property/casualty insurance company in the nation, based on written premium. Auto-Owners Insurance Group is one of only nine groups of insurance companies in the United States to receive the highest rating possible, A++ Superior, by A.M. Best, which is a nationally recognized rating agency for insurance companies. Auto-Owners is headquartered in Lansing, Michigan, and serves policyholders in 26 states.

Subsidiary companies include:
Auto-Owners Life Insurance Company
Home-Owners Insurance Company
Owners-Insurance Company
Property-Owners Insurance Company
Southern-Owners Insurance Company

A career at Auto-Owners is challenging and rewarding. As insurance industry representatives, our associates have an opportunity to meet the ever changing social and economic needs of our policyholders. Our group of caring associates creates financial security by helping individuals and businesses make a new start when a loss occurs. Auto-Owners has numerous rewarding career opportunities. 

Amica Vehicle Insurance

At Amica, you’ll be protected with an affordable auto policy that’s customized to fit your needs – and unbeatable customer service. Amica have many coverage options for you to choose from, and they will help you every step of the way.

Coverage is even more affordable with our multi-line discount, which you’ll get if you combine your auto and home policies with Amica. We’ll also give you discounts for safe driving, multiple vehicles and vehicle safety features.


Auto Coverages:
Amica provides comprehensive auto coverage. Amica can help you customize an auto insurance policy that fits your budget and lifestyle.

Coverage for your vehicle

Amica can personalize your auto policy to protect you against damage to your car and we offer a range of deductibles to help save you money.

Coverage for you and your passengers

A variety of coverage options is available to cover expenses associated with injuries you or your passengers may suffer in an auto accident, including injuries caused by uninsured drivers.

Liability coverage

A wide range of liability coverage is available to protect you if you are legally responsible for an accident involving your auto.

Platinum Choice: our premier auto protection

Amica's Platinum Choice coverage plan far surpasses traditional auto plans, providing superior coverage including good driving rewards, prestige rental coverage, full glass coverage, an identity fraud monitoring service and new car replacement coverage.
Special features you won't find everywhere

With Amica, you receive added value beyond the typical coverage offered by most auto insurance policies. We include the following at no additional cost:

    No deduction for depreciation when a new vehicle is declared a total loss within the first year of ownership
    No deductible for lock replacement when your keys are lost or stolen
    No deductible for glass repair (if replacement is not necessary)
    No deductible for repair or replacement of a deployed air bag
    Full reimbursement for lost earnings if you attend court at our request
    $1,000 for bail bonds

Roadside assistance for unexpected breakdowns

Our towing and labor coverage includes roadside assistance. If you have this coverage and your car breaks down, call roadside assistance at 866-286-9968, toll-free, and we will send help immediately - anytime, anywhere. Service professionals will provide assistance at the scene of a disablement, if possible, or tow your vehicle, if needed. Or, you may hire a tow company of your choice and be reimbursed for towing expenses.

Call Amica at 800-242-6422 for more information.

American Family Insurance

American Family Insurance (aka AmFam) is a private mutual company that focuses on property, casualty and auto insurance, but also offers commercial insurance, life, health, and homeowners coverage, as well as investment and retirement-planning products. A Fortune 500 company, its revenues for 2008 were over $6.7 billion.

It should not be confused with American Family Home Insurance Company, a subsidiary of Munich Re subsidiary American Modern Insurance Group, Inc., or American Family Life Insurance Company of Columbus.

History

American Family Insurance's history began on October 3, 1927, when insurance salesman Herman Wittwer opened the doors of Farmers Mutual Insurance Company in Madison, Wisconsin (not to be confused with the Farmers Insurance Group). At the time, the company's only product was auto insurance and its target market was farmers. Wittwer believed farmers presented lower risks than city drivers because they drove less often and not at all in the winter.

Over the years, Farmers Mutual expanded its market and product line to meet the changing needs of its customers. In 1963, Farmers Mutual changed its name to American Family Mutual Insurance Company to reflect its broader customer base.

Our Vision

To be the most trusted and valued customer-driven insurance company.

The American Family Enterprise is a family of companies dedicated to delivering unparalleled service and exceptional protection to our customers.
Our Mission

Inspire, protect and restore dreams.
Our Values

Our commitment to you is to be innovative, caring, agile, trustworthy, transparent and passionate.
Our Community Investment

Social impact doesn't start or end with a check. American Family believes the most effective and long-lasting philanthropy combines financial support with employee volunteerism, creativity and expertise, all of which leads to greater accomplishment, collaboration and accountability

All State

The Allstate Corporation is the second largest personal lines insurer in the United States (behind State Farm and GEICO in auto) and the largest that is publicly held. The company also has personal lines insurance operations in Canada. Allstate was founded in 1931 as part of Sears, Roebuck and Co., and was spun off in 1993. The company has its headquarters in Northfield Township, Illinois, near Northbrook. Its current advertising campaign, in use since 2004, asks, "Are you in good hands?" The corporate spokesperson is Dennis Haysbert.

Allstate sponsors many sporting events, including the Allstate Sugar Bowl. In 2014, Allstate's total revenue was $35.2 billion, of which $28.9 billion came from Property Liability.

Each state has specific laws that outline the types and amount of auto insurance you're required to have. Your coverage requirements might be different depending on where you live and what your personal insurance needs are. An agent can help you understand your state's insurance requirements so you can make an educated decision about the coverage levels and deductibles you want. In addition to agent assistance, our tools & resources will provide you with 24/7 access to safety tips and detailed information to help you better understand insurance. 


Each state has specific laws that outline the types and amount of auto insurance you're required to have. Your coverage requirements might be different depending on where you live and what your personal insurance needs are. An agent can help you understand your state's insurance requirements so you can make an educated decision about the coverage levels and deductibles you want. In addition to agent assistance, our tools & resources will provide you with 24/7 access to safety tips and detailed information to help you better understand insurance.

Coverage Centered Around You.

Your state's required minimums may not be enough to best protect you, your family and your car. That's why you can adjust your limits and deductibles- the basic building blocks of any policy-to fit your needs.

Find an agent to learn more about the following coverage types:

    Collision: Covers expenses related to the damage or destruction of your vehicle that's been in an accident.
    Comprehensive: Covers expenses related to the damage or destruction of your vehicle in situations like thefts or storms.
    Liability: When an accident is your fault, bodily injury liability covers expenses related to the injury or death of another driver or a pedestrian, and property damage liability covers expenses related to the damage of another person's property-like vehicles, homes, buildings and other structures.
    Medical payments: If you and/or your passengers are hurt in an accident, this can help cover your medical or funeral expenses.
    Personal injury protection: If you and/or your passengers are hurt in an accident, this can help cover medical expenses plus related expenses like income continuation.
    Uninsured & underinsured motorist: Covers medical expenses and/or repair bills if you're in an accident, the other driver is at fault and doesn't have any (or doesn't have enough) insurance.
    Personal umbrella policy: Offers protection against liability claims or judgments, kicking in when your auto insurance liability limits have already been reached.
    Rental reimbursement: Helps cover the cost of renting a car if your vehicle is in the shop because of an accident covered under your policy.
    Sound system: Covers the cost of replacing stolen or damaged audio and/or video equipment.
    Towing & labor: Covers the cost of common roadside services like tire changes and jump-starts.