Why Choose Farmers?

home-female

We have No Broker Fees.

What is a Broker Fee?

A Broker Fee is a fee that is added to the actual insurance premium. These fees are taken up-front which increases the amount of the down payment necessary to start a policy. The fee does not go toward the actual policy but into the broker’s pocket. Broker fees do not end after the policy is started. It is very common for the brokerage to charge fees for making any changes on your policy or for even just making payments.

What is a difference between Broker and an Agent?

A broker is not a representative or an employee of an insurance company. Instead a broker will shop around your rates and try to find the lowest possible price for you. They may not be concerned with the financial rating of these smaller lesser known insurance companies. A broker gets paid through fees or commissions that are added to the insurance premium. Also, since insurance brokers also make money by referring you to insurance providers, they may be overeager to sell you a policy. In some cases, this may not actually be the best policy for you, but the one that will provide the most money for them.

An insurance agent has entered into a contract with an insurance company in order to sell insurance to consumers. Therefore, when you transact business with an insurance agent, you are purchasing insurance through the insurance company that agent represents directly. Therefore, there are no broker fees when you are purchasing insurance directly through an Agent. All payments made to the licensed agent is the same as making a payment directly to the insurance company. All agents and brokers must pass a Property Casualty licensing exam conducted in their state in order to conduct business as an insurance agent.

Why would anyone ever choose to pay a Broker Fee?

Many people hear the horror story when they get a DUI or when they need an SR-22. They are told that they are going to have to pay a ridiculous amount on their insurance and that nobody is going to want to insure them. With the help of the Internet, many people are doing the research and shopping themselves to find that a quality insurance company like Farmers can help you with your situation with a fair price.

By purchasing insurance through a Farmers Agent directly:

  1. You are avoiding paying any broker fees
  2. You are going to a financially strong company that will definitely take care of you if there is a claim.

Why would you ever pay a Broker fee? An educated buyer never would!

See how much you can save off your auto insurance by not paying a broker fee!

Please give us a call at 800-875-8712 for your free quote or complete our quote request form below and we will be happy to help you reinstate your license so you are back on the road!

Vehicle Information

Year of Vehicle
Make of Vehicle
Model of Vehicle
Desired Coverage


Add more cars?

2nd Vehicle Information

Year of Vehicle #2
Make of Vehicle #2
Model of Vehicle #2
Desired Coverage


Add a 3rd Vehicle?

3rd Vehicle Information

Year of Vehicle #3
Make of Vehicle #3
Model of Vehicle #3
Desired Coverage

>


Add a 4th Vehicle?

4th Vehicle Information

Year of Vehicle #4
Make of Vehicle #4
Model of Vehicle #4
Desired Coverage

Driver Information

Full Name
Gender
Birthday (MM/DD/YYYY)
Drivers License Number


Add more drivers?

2nd Driver Information

Full Name
Gender
Birthday (MM/DD/YYYY)
Drivers License Number Number


Add a 3rd Driver?

3rd Driver Information

Full Name
Gender
Birthday (MM/DD/YYYY)
Drivers License Number Number


Add a 4th Driver?

4th Driver Information

Full Name
Gender
Birthday (MM/DD/YYYY)
Drivers License Number

Contact Information

Street Address
City
State
Zip
Email
Phone
Reason for shopping
Comments (optional)