Comparing quotes is the best way to get your lowest rates from top insurers like Farmers and The Hartford. QuoteWizard is an independent company that helps you find your right policy at your best rate.
The Hartford and Farmers are both top-rated companies in the insurance world. The Hartford was founded in 1810, and Farmers was founded in 1928. Farmers is praised for its excellent coverage and vehicle discounts, as well as for its handy policy management tools. The Hartford is liked for its extended benefits to AARP members and outstanding claims support. However, The Hartford is criticized for its lack of 24-hour customer service, while Farmers’ website lacks helpful learning materials. Still, both companies offer a wide range of discounts and have excellent financial strength ratings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
Farmers
|
The Hartford
|
| Worst If |
Farmers
|
The Hartford
|
|
Farmers
Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low. |
The Hartford
The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:
|
| Bundling Coverage Discounts | Farmers | The Hartford |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Farmers | The Hartford |
| Alternative Fuel | ||
| Electronic Stability Control (ESC) | ||
| Anti-Lock Brake | ||
| Anti-Theft | ||
| Passive Restraint | ||
| New Car | ||
| Economy Car | ||
| Utility Vehicle | ||
| Farm or Ranch Vehicle | ||
| Driving Record and Insurance History | Farmers | The Hartford |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Farmers | The Hartford |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Farmers | The Hartford |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Farmers | The Hartford |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Farmers Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| 2016 | 167 | 30 |
| 2015 | 262 | 72 |
| 2014 | 237 | 69 |
| 2013 | 300 | 67 |
| Farmers Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | Among the best |
| Policy Offerings | Average | Among the best |
| Pricing | Average | Among the best |
| Local Agent | Average | Average |
| Call Center Representative | -- | Average |
| Insurer Website | Below average | Among the best |
| Farmers Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Average | Above average |
| First Notice of Loss | Average | Above average |
| Service Interaction | Above average | Below average |
| Appraisal | Average | Average |
| Repair Process | Average | Among the best |
| Rental Car Experience | Average | Average |
| Settlement | Average | Above average |
| Farmers Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| A.M. Best | A | A |
| Moody's | Aa3 | A2 |
| S&P's | A+ | A |
Farmers
Farmers Insurance Mobile Apphelps customers manage their insurance on the go. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:
|
The Hartford
The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. Download the Hartford Smartphone app for iPhone or Android. |
Farmers
Farmers Towing & Roadside AssistanceCovers roadside services up to $150 Services covered:
Farmers Towing & Roadside Assistance works with over 20,000 road services shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150. Farmers’ Roadside Emergency Safety Contact NumberCall 1 (800) 435 -7764 or click here for help with assistance with roadside issues. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. |
The Hartford
The Hartford Towing and LaborTowing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car. The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have. Services Covered
Contact Phone NumberFor immediate roadside assistance/claims service, call 1 (800) 322-7789. |