Ranchers and Farmers Insurance Company: Customer Ratings & Reviews [2024]

Ranchers and Farmers Insurance Company stands as a stalwart defender of your life's work, providing dependable insurance coverage and exceptional customer service across auto, home, life, farm, business, and specialty insurance, reinforced by the expertise of seasoned insurance professionals and a commitment to assisting you in making the right coverage choices.

UPDATED: Jan 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 10, 2024Fact Checked

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

UPDATED: Jan 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jan 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 10, 2024Fact Checked
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Ranchers and Farmers Insurance Company

Average monthly rate for good drivers:

$96

A.M. Best rating:

A- (Excellent)

Complaint level:

Low

Pros

  • Offers a range of insurance products to cover various needs
  • Provides discounts to help customers save on premiums
  • Efficient claims process and 24/7 claims hotline for easy claim filing
  • Mobile app available for convenient policy management
  • Positive customer reviews and reputation for exceptional customer service

Cons

  • Coverage limited to select states in the United States
  • Rates may be slightly higher than other providers

Final Verdict: Review of Ranchers and Farmers Insurance Company

Ranchers and Farmers Insurance Company is an excellent option for those seeking affordable, high-quality insurance coverage. With an A- rating from A.M. Best, this company has a reputation for providing exceptional customer service, an efficient claims process, and a mobile app for easy policy management.

Ranchers and Farmers Insurance Company offers a variety of insurance products, including auto, home, and life insurance, and provides a range of discounts, such as multi-policy and safe driver discounts, to help customers save on their premiums.

Although the company’s services are only available in 19 states, its competitive pricing and overall positive reviews from customers make it a great choice for those in its coverage area.

Ranchers and Farmers Insurance Company is a well-known provider of insurance products for both individuals and businesses. Since its inception in 1877, the company has been committed to offering reliable and cost-effective insurance solutions to its customers. In this comprehensive review, we will examine the history and mission of the company, its main products and services, the cost of those services, the states where their services are offered, the different types of discounts available to customers and how to qualify for them, and a summary of customer reviews of the company. Read more : Farmers Auto Insurance Review

What You Should Know About Ranchers and Farmers

Company Contact Information

Related Parent or Child Companies

  • There is no information provided about any related parent or child companies.

Financial Ratings

  • A.M. Best rating: A- (Excellent)

Customer Service Ratings

  • There is no specific numerical rating provided. However, that Ranchers and Farmers Insurance Company has a reputation for providing exceptional customer service.

Claims Information

  • The Ranchers and Farmers Insurance Company has an efficient and straightforward claims process.

Company Apps

  • Ranchers and Farmers Insurance Company offers a mobile app for policy management.

Ranchers and Farmers Insurance Coverage Options

Ranchers and Farmers Insurance Company offers a variety of insurance products to help customers protect their assets and finances. Here is a list of some of the coverage options available:

  • Auto insurance: Coverage options include liability, collision, comprehensive, personal injury protection, uninsured/underinsured motorist, and roadside assistance.
  • Home insurance: Coverage options include dwelling, personal property, liability, loss of use, and additional living expenses.
  • Life insurance: Coverage options include term life, whole life, universal life, and final expense insurance.
  • Farm insurance: Coverage options include farm property, farm liability, farm auto, and livestock insurance.
  • Business insurance: Coverage options include general liability, property, workers’ compensation, and commercial auto insurance.
  • Specialty insurance: Coverage options include ATV, boat, motorcycle, RV, and snowmobile insurance.

In conclusion, Ranchers and Farmers Insurance Company extends a diverse array of insurance products designed to protect the assets and financial well-being of its customers. With coverage options spanning auto, home, life, farm, business, and specialty insurance, the company remains dedicated to ensuring the peace of mind and security of its valued clientele.

Read more: Farmers Casualty Insurance Company Review

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Ranchers and Farmers Insurance Rates Breakdown

Driver ProfileRanchers and Farmers InsuranceNational Average
Clean Record$88$119
1+ Ticket$127$147
1+ Accident$173$173
DUI$244$209
Poor Credit$151$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Ranchers and Farmers Discounts Available

DiscountsRanchers and Farmers Insurance
Anti Theft14%
Good Student14%
Low Mileage17%
Paperless8%
Safe Driver23%
Senior Driver13%

Ranchers and Farmers Insurance Company offers a range of discounts to help customers save on their premiums. Here is a list of some of the discounts available:

  • Multi-policy discount: Customers who bundle multiple insurance policies with Ranchers and Farmers can receive a discount on their premiums.
  • Safe driver discount: Customers who maintain a clean driving record can receive a discount on their auto insurance premiums.
  • Homeowner discount: Customers who own a home can receive a discount on their home insurance premiums.
  • Good student discount: Students who maintain a high GPA can receive a discount on their auto insurance premiums.
  • Senior discount: Customers who are 55 years or older can receive a discount on their auto insurance premiums.
  • Anti-theft device discount: Customers who install anti-theft devices in their vehicles can receive a discount on their auto insurance premiums.

In conclusion, Ranchers and Farmers Insurance Company is dedicated to helping customers maximize their savings through a range of exclusive discounts.

By offering incentives such as multi-policy, safe driver, homeowner, good student, senior, and anti-theft device discounts, the company is committed to providing not only comprehensive coverage but also affordable insurance options tailored to the diverse needs of its valued clientele.

How Ranchers and Farmers Ranks Among Providers

Ranchers and Farmers Insurance Company is a prominent player in the insurance industry, offering a diverse range of coverage including auto, home, life, farm, business, and specialty insurance.

With a commitment to providing reliable insurance solutions and exceptional customer service, Ranchers and Farmers has established itself as a trusted choice for individuals and businesses seeking comprehensive coverage. Here are the main competitors:

  • State Farm: Known for its extensive agent network and a wide array of insurance products, State Farm stands out for its personalized service and financial stability.
  • Allstate Corporation: Allstate distinguishes itself through innovative features like the Drivewise program, offering customers the opportunity to save on premiums based on their driving habits.
  • Farmers Insurance Group: Farmers Insurance Group is recognized for its commitment to serving rural communities and agricultural needs, creating a specific niche in the insurance market.
  • Progressive Corporation: Progressive stands out for its use of technology, including the Snapshot program, allowing customers to monitor their driving habits and potentially lower their premiums.

In a highly competitive insurance landscape, Ranchers and Farmers Insurance Company faces strong competition from industry giants like State Farm, Allstate Corporation, Farmers Insurance Group, and Progressive Corporation.

The key to success lies in offering competitive rates, innovative solutions, and exceptional customer service to maintain and attract a diverse customer base. As consumers seek the best coverage for their needs, these competitors play a crucial role in shaping the dynamic insurance market.

Claims Process at Ranchers and Farmers

Ease of Filing a Claim

Ranchers and Farmers Insurance Company prioritizes a hassle-free claims process for its policyholders. The company offers multiple channels for filing claims, ensuring flexibility and convenience. Policyholders can submit claims online through the official website, over the phone via the 24/7 claims hotline, or using the dedicated mobile app.

This variety of options caters to different preferences, making it easy for customers to initiate the claims process in a way that suits their needs.

Average Claim Processing Time

Ranchers and Farmers Insurance Company is committed to prompt and efficient claim processing. The average claim processing time is a crucial factor for customers, and the company strives to streamline this aspect of their service. The exact processing time may vary depending on the nature and complexity of the claim.

However, the company’s dedication to a swift resolution ensures that customers experience minimal delays in receiving the support they need during challenging times.

Customer Feedback on Claim Resolutions and Payouts

The true measure of an insurance company’s reliability lies in the satisfaction of its customers with the claim resolutions and payouts. Ranchers and Farmers Insurance Company values customer feedback and continuously works to enhance its claims handling process.

By reviewing customer experiences, the company gains valuable insights into areas for improvement and ensures that claim resolutions are fair, transparent, and meet the expectations of their policyholders.

Ranchers and Farmers’ Digital and Technological Features

Mobile App Features and Functionality

Ranchers and Farmers Insurance Company understands the importance of technology in enhancing customer experience.

The company’s mobile app is designed to provide users with a range of features and functionalities. Policyholders can access their insurance information, file claims, track the status of existing claims, and receive important updates—all from the convenience of their mobile devices. The user-friendly interface and intuitive design make the mobile app a valuable tool for managing insurance.

Online Account Management Capabilities

With a focus on empowering customers, Ranchers and Farmers Insurance Company offers robust online account management capabilities. Policyholders can log in to their accounts on the official website to view and manage their policies, track claims, update personal information, and explore additional services.

This online portal enhances accessibility and transparency, allowing customers to have greater control over their insurance affairs at any time.

Digital Tools and Resources

In line with technological advancements, Ranchers and Farmers Insurance Company provides a suite of digital tools and resources to support their policyholders. These tools may include educational resources, interactive calculators, and other online materials designed to help customers make informed decisions about their insurance coverage.

By embracing digital innovation, the company aims to empower customers with the knowledge and tools necessary to navigate the complexities of insurance effectively.

Frequently Asked Questions

What types of insurance products does Ranchers and Farmers offer?

Ranchers and Farmers Insurance Company offers a range of insurance products, including auto, home, life, farm, business, and specialty insurance.

How can I get a quote for insurance coverage?

You can get a quote for insurance coverage by visiting the Ranchers and Farmers website, calling their customer service hotline, or contacting a local agent.

What discounts are available to customers?

Ranchers and Farmers offers discounts for multi-policy bundling, safe driving, home ownership, good grades, senior citizens, and anti-theft devices.

How do I file a claim?

You can file a claim with Ranchers and Farmers Insurance Company by calling their 24/7 claims hotline or by using their mobile app.

Where is Ranchers and Farmers Insurance Company available?

Ranchers and Farmers Insurance Company offers insurance coverage in select states across the United States. You can check their website or contact a local agent to see if coverage is available in your area.

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Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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