Ranchers and Farmers Auto Insurance Review (2024)

Ranchers and Farmers Mutual Insurance Company is the subject of this auto insurance review. This Beaumont, Texas company is in no way affiliated with American Farmers and Ranchers of Oklahoma or Farmers Mutual Insurance of Nebraska.

According to state insurance records, Ranchers and Farmers Mutual is licensed in Texas as a property and casualty company selling a variety of insurance products at the consumer level.

It would appear from this address that the company is most likely an agency representing multiple auto insurance carriers, rather than a regional or national carrier themselves.

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What You Should Know About Ranchers and Farmers

There are numerous business listing sites that have several different addresses for this company. The official records from the Texas Department of Insurance list the Orleans Street address as seen above, although the records are a bit out of date.

This company’s rather small footprint lends further credence to the possibility that they are an agency rather than a carrier.

Although details about the business are sketchy, we were able to uncover the fact that Ranchers and Farmers Mutual does represent several big names for auto insurance, including Progressive and GMAC.

As an agency rather than a carrier, Ranchers and Farmers is able to offer policies from several different providers according to the needs of the individual customer.

Local agents live and work in their communities, know about special conditions that exist in those communities, and are better able to utilize local resources to service their customers. It’s a proven model that has worked well in the insurance industry for generations.

Ranchers and Farmers Auto Insurance Claims

Assuming That Ranchers and Farmers Mutual is an agency, the claims process probably works best when customers start by contacting them.

Even though your auto insurance claim will ultimately end up going to your carrier, your local agent may be able to shed additional light on your circumstances, weather conditions, etc. in order to help facilitate a successful claim.

Some national carriers prefer you contact them before your local agent, but such policies will be different among the various companies.

Regardless of whether or not you go to your Ranchers and Farmers agent first, he or she will still be involved in helping to process your claim and see it through to its conclusion.

Make sure you take advantage of every opportunity to utilize the help your local agent provides. Services are built into your premiums anyway, so you might just as well make him earn it.

How Ranchers and Farmers Ranks Among Providers

Searching for customer reviews of this company definitely yields interesting results. That’s because the words “ranchers” and “farmers” are used so interchangeably it’s difficult to figure out which company is being referred to.

With a little bit of educated research, it becomes apparent that most customer reviews relate to one of the other two companies listed at the start of this review.

AM Best doesn’t provide ratings for agencies – they focus on carriers. That said, the last records filed for Ranchers and Farmers in 2010 show the company to be doing well financially.

They listed total assets of $10.6 million and a policy surplus of $2 million. No number was listed for their working capital in that report.