r/farmersinsurance

Hey guys, I’m currently a teen driver and I got into an accident with someone. I think it’s mostly them ( biased ) but honestly I wanted to ask because I want to take responsibility and pay off the additional fees that are quoted.

For reference, my mom and I drive a Volvo XC 90 from 2023, and I am with farmers insurance for full coverage premium.

I was added to the insurance roughly in early April, and I think my mom pays bi-annually. I think she paid $3045 for her six month, and now that I got into the accident, I think the next payment went up to $4190 for the six month.

She has no history of accident accidents, I had no (I guess now I do) history of accidents. But the thing is, my insurance ends soon because it’s only a one month contract. It states that her full term premium is $4190 now, so am I to assume that the full term is every six months?

I just want to get this down because I wanna know how much I should pay back to her because I feel really guilty, and I currently have a job so I’m probably gonna have to sacrifice a lot of time on this, so I wanna make sure that I can fully pay her back.

Please let me know if you need any more information. I’m just really scared because this was my first accident.. do you think the insurance companies know that I’m gonna get off the plan.. so it actually looks more like this

Full term premium = 4190 dollars
Prior estimates (4/24-5/16)
- like 93 dollars
Future (5/16-11/16)
- like 900 dollars (💀 I know )

(tbh for accident wasn’t even that bad, I think I was quoted $500 to fix my car because I just needed to get a tire rim change, and their car was quoted about $1000)

Kicked in May 1st as well as my agency staring the same day. It increased my actual my contact rate by 70%. No ad just sayin I’ve been struggling so I’m trying to help other out like ones who have messaged me. Just by having 10 automated rotating numbers I’ve gotten ahold of people I’ve called over 60 times on the first call with this.
20 conversations 70 calls.
Love y’all. Sell on value. Get CRM if people are questioning your ability to sell and you know you can! I had people who watch em call them a literal 60 times just to tell me they’re found it or changed their mind. I gave them an out after so long that I was mad how long I wasted.

Hi , I start working soon as a insurance salesman for farmers. Talking with the owner and reading online, it sounds like farmers is never really going to be the cheapest option for a potential client. I'm wondering what farmers has to offer.That is a advantage or a selling point over other carriers.Since i'm not gonna likely be able to compete on price.

Hi everyone! Quick question how do you know if your crop insurance payout was correct?

Hello I recently acquired a life in health license in Texas.I also recently got a job offer from one of the companies that sells insurance. The owner wants me to get a property in casualty license as well.But I believe that's going to be totally up to me as far as study and pay in for any study which I don't think I need and then paying for the exam itself and paying for the license. The first few weeks I'll be training with the the corporate headquarters downtown, but it doesn't sound like that'll be training for The Pass.And the license, it'll be training for how that particular insurance company works.Their software system etc. My question is, is this normal where I'm just expected to add a pocket?And in my own time also get the p and c license, or is it totally dependent upon the particular shop?Whether they pay for it or not or is it a case of i'm kind of getting taken advantage of a bit and maybe I should look for another shop that would pay for it , i'm just curious what standard practices are. Thank you for any advice. Anybody wants to share my my personal concern is right now. I'm about as broke as you could possibly imagine. So just paying for this insurance exam and license is kind of a big deal for me. I would much prefer to go through that once I get my first couple paychecks, but The expectation is that i'm going to get the license within the first two weeks

I started my agency in April, and honestly I’ve been struggling mentally with how things have gone so far. It’s not even a lack of calls — I just feel like I’ve let myself and the people around me down by only closing 3 sales since March.

Looking back on some of my conversations, I feel like I didn’t sell value strongly enough and lost too many people on price. Now it feels like I wasted every lead I actually got the chance to speak with. Then I see people posting about making $10k in their first month, while I’m over here under $1,000 in commission and fighting eviction.

At this point, I don’t have the money for business cards or gas to go out and build referral relationships. I know sales takes time, and I know I need to improve, but mentally it’s been weighing on me heavily because I feel like I’m falling behind before I’ve even really started.

For the agents who struggled early on, what actually helped you turn things around? Was it better scripts, more follow-up, increased volume, learning how to sell value more effectively, mindset, or something else entirely?

I’d really appreciate honest advice from people who have been through this stage before.