American Farmers and Ranchers Auto Insurance Review (2024)

American Farmers & Ranchers is a property and casualty company covering the insurance needs of Oklahoma’s farmers and ranchers.

The company got its start back in 1919 as the Oklahoma Farmers Union Mutual Fire and Lightning Insurance Company.

Their original mission was to provide protection against catastrophic loss of farm buildings, equipment, livestock, and household goods as a result of a fire.

As the company grew, it slowly acquired other insurance providers in Oklahoma. Coverage was added for tornado damage to buildings and equipment.

And auto coverage for both on-farm vehicles and personal cars was introduced in 1945 through a partnership with Farmers Union Automobile and Casualty Company, a fellow member of the National Farmer’s Union.

What You Should Know About American Farmers & Ranchers

Today American Farmers & Ranchers provides insurance to cover almost every need of agricultural workers and business owners in Oklahoma.

They even cover rural churches, private schools, and community organizations in farming communities.

Because American Farmers & Ranchers is licensed only in the state of Oklahoma, it maintains only one office.

You can visit the local offices of agents in your area, or you can visit the corporate headquarters in Oklahoma City.

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American Farmers & Ranchers Agents

American Farmers & Ranchers is pleased to offer personal, localized service by way of a network of independent agents throughout the state.

Agents are located in all but six counties: Beaver, Cole, LeFlore, Nowata, Pittsburgh, and Rogers. However, customers in those counties have access to agents in the neighboring counties.

The company website provides an agent locator tool consisting of a linked county map.

You simply select the county you’re interested in by clicking on it, and your browser is then redirected to a page which lists the available agents.

Name, address, email, and telephone numbers are all included in the contact list. Local agents are available to help assist with new policies, modifications and additions, and claims.

How do I file a claim with American Farmers & Ranchers Auto Insurance?

American Farmers & Ranchers make the claims filing process easy by providing a 24-hour, toll-free claims hotline.

If you have a car accident you are encouraged to call the hotline as soon as possible so that a representative can help guide you through the process.

If you prefer, you can also contact your local agent during regular business hours. Either way, American Farmers & Ranchers stresses the need to make a call as soon as possible after an accident.

American Farmers & Ranchers’ claims service has a somewhat unique program you don’t see from very many other providers.

It is a cash reward program that pays individuals for any information leading to the arrest and conviction of anyone whose illegal activity resulted in an auto insurance claim by a policyholder.

For example, if someone broke into the barn of an American Farmers & Ranchers customer and stole equipment, and the theft resulted in a claim being made by the owner, you could receive a cash reward for information about the theft.

American Farmers & Ranchers recently raised maximum reward amounts from $1,000 to $5,000.

American Farmers & Ranchers Reviews

Customer reviews of American Farmers & Ranchers are hard to come by.

That might be due to the fact that they are a regional insurance provider catering to a select group of individuals and businesses.

However, the reviews that do exist are generally good. You can find customer reviews by doing an Internet search of the company name.

Most customer review sites rate insurance companies according to four main criteria:

• Claims service
• Cost
• Coverage provided
• General customer service

Most of these sites also utilize a five-point system either represented in numerals or stars. American Farmers & Ranchers is rated, on average, with a three out of five.

That rating is very good, seeing that most insurance companies don’t break the 2.5 mark.

It’s also pretty impressive when you consider that customer reviews generally are offered more by unhappy customers than happy ones.

Despite that fact, there are comments that indicate American Farmers & Ranchers is very easy to work with and offers great customer service.

The only complaint uncovered during research for this review was related to a tendency among new American Farmers & Ranchers agents to be somewhat impersonal in their attitude to existing customers.

Most likely that is just a matter of new agents not yet having developed relationships with customers. Hopefully, the issue corrects itself with time.

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