Core Insights - Farmers car insurance offers a variety of coverage types, including accident forgiveness, new car replacement, and custom parts coverage, with rates around the national average and 18 available discounts [1][5][12]. Coverage Options - Farmers provides all standard car insurance coverage types along with several add-ons, totaling 17 different coverage types [4][8]. - Notable coverage options include liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, personal injury protection, gap insurance, new car replacement, accident forgiveness, diminishing deductible, OEM parts coverage, rideshare and delivery coverage, custom parts coverage, and roadside assistance [10][11]. Pricing and Discounts - The average monthly cost for full coverage with Farmers is approximately $182, which is slightly below the national average of $190 [7][12]. - Basic liability coverage costs around $108 per month, also below the national average of $113 [13]. - Farmers offers 18 different discounts, including bundling, loyalty, ePolicy, good payer, youthful driver, and safe driver discounts [14][17]. Customer Satisfaction - Farmers scored at or above average in customer satisfaction across several regions, with a J.D. Power auto claims satisfaction score above the industry average [7][19]. - However, Farmers has received more complaints than average, indicating mixed customer satisfaction ratings [19]. Claims Process - The claims process involves gathering key information, reviewing coverage, filing the claim through various methods, and working with a claims representative [15][16]. - Farmers does not specify a deadline for claims submission but emphasizes that quicker submissions may lead to faster payouts [15].

Liberty Mutual rating: 3 out of 5 stars Liberty Mutual has extensive availability, offering auto insurance in all 50 states plus Washington, D.C. It stands out for a wide range of auto coverage options, and its specialized policies, such as Mexico Car Insurance to cover travelers when driving into the country and teacher auto insurance, which can help eligible teachers save and customize their coverage. Additionally, Liberty Mutual gives customers numerous savings opportunities, such as its RightTrack pr ...

Core Insights - GEICO has a rating of 3.1 out of 5 stars, noted for its discounts but lacks certain coverage options like new car replacement and a diminishing deductible program [1] - The company has a high credit rating indicating financial strength, but its premiums are on the higher side of average [2] - Customer satisfaction scores are below average in several regions according to J.D. Power, with mixed reviews regarding the claims process [8][24] Coverage and Discounts - GEICO offers a total of 11 different coverage types, including liability, collision, and comprehensive insurance [5][12] - The company provides 23 different discounts, including those for safe driving, vehicle safety features, and military service [6][17] - Average monthly costs for full coverage are approximately $202, which is slightly above the average of $190 across major insurers [15] Customer Satisfaction and Claims - J.D. Power scores indicate that GEICO scored below average in customer satisfaction across seven out of eleven regions [8] - The claims satisfaction score is five points below the average, with customer reviews highlighting slow response times and mixed experiences [24][25] - GEICO's mobile app is highly rated, facilitating payments, claims management, and roadside assistance requests [23][28] Financial Strength and Premiums - GEICO maintains high credit ratings, reflecting its financial stability and low risk of claim denial due to resource issues [23] - The average annual cost for basic coverage is $1,440, which is 6.2% higher than the average for other insurers [13][16] - The company offers accident forgiveness coverage, allowing customers to waive surcharges after their first qualifying claim, although this is limited to certain states [9][10]