Three Things to Consider Before Purchasing a Farmers Car Insurance Policy

Approximately 2.2 million farms operate in the United States, 97% of which are owned by families. These families have more needs than the farm itself, however. They often will carry homeowners, business, and life insurance, so matters related to their business are squared away. These policies are often grouped together and administered by Farmers Union Insurance organizations, so they only have to pay one bill. Those who live on farms or in rural areas may also qualify for bundling their car insurance policy with their farmers insurance coverage.

What do you need to think about before purchasing car insurance? Here are three questions you should ask yourself before purchasing a farmers car insurance policy.

How old are the drivers on your policy?

When determining car insurance rates, Farmers Union Insurance will typically consider the ages of the drivers who will be on your policy. Anyone who is younger than 25 or older than 70 and will be driving a car on your policy may impact your rates. Once drivers get past the age of 25, they often receive lowered rates if they’ve had a clean driving record. However, it is important to not just go for what’s cheapest — make sure that you’re getting the coverage you need.

What types of vehicles will be on your policy?

Farm equipment is typically covered under a Farmers Union insurance policy, but some vehicles may need their own type of coverage. Farm vehicles can include trucks used for deliveries or passenger vehicles used on or around the farm, such as a pickup truck used to haul fertilizer or supplies. Check with your Farmers Union car insuranceprovider to find out what type of coverage you need for these types of vehicles.

How far do you have to drive?

If you live in a rural area, you may find that you have to drive far to get to basic amenities. Traveling for work or for fun can take its toll on a car or truck, so this can factor into your rates. If you drive frequently, it can also increase the likelihood of an accident, so it is crucial to explore all of your car insurance coverage options.

If you have questions about the type of insurance you need, make sure you speak with an agent. All insurance policies are different, so it’s important to take the time to get an accurate quote.