Farmer Brown Truck Insurance Coverage Review

Owner-operators and truck drivers in search of cheap insurance for semi-trucks will want to check out the Farmer Brown Insurance Agency. If you have been shopping around for policies, or even just chatting with other truckers about insurance, this is a name you have probably heard. Does this company live up to its reputation for offering affordable, reliable insurance? Let’s take a closer look.

About Farmer Brown Insurance Agency

Farmer Brown Insurance Agency is named after its founder and CEO, John M. Brown. The company has been in business for more than 26 years, and can connect you with affordable semi-truck insurance from a range of carriers.

When you go through Farmer Brown, you do not have to do the hard work of comparing quotes yourself. The agency takes care of the legwork for you, bringing you the best offers. For your convenience, you can work with them online or over the phone in English or in Spanish.

This insurance agency has earned high marks from customers not only for the affordable plans it can help you find, but also for the excellence of its customer service.

Something else you will appreciate about Farmer Brown is that the agents do not pass you off to the carrier after finding you a plan. You get to keep working with your Farmer Brown insurance agent directly through the sign-up process. They can also provide you with support while you are a policyholder.

What Types of Truck Insurance Does Farmer Brown Offer?

Now you know how working with Farmer Brown can save you time and effort as you are shopping for cheap insurance for semi-trucks. But what types of policies can you apply for through this company?

• General liability: A general liability insurance policy covers damages to third party individuals and their property. To get specific, these are damages that occur when you are not operating your vehicle. As an example, imagine you are an owner-operator. One of your truck drivers gets into a physical altercation with someone at a truck stop. That person claims they were injured in the fight, and sues you. This is the type of cost your general liability insurance would help you cover.

• Physical damage: This is simply coverage that protects your truck(s) against physical damage from a variety of sources, including accidents, vandalism, theft or even severe weather conditions. As with general liability insurance, this is a type of coverage that every truck driver or owner-operator needs.

• Non-trucking liability insurance: Do you ever drive your work truck for personal purposes? If so, a regular policy does not cover it during these non-work periods/uses. But a non-trucking liability insurance policy does.

• Bobtail insurance: This is a type of coverage you will need to purchase if you regularly bobtail or “deadhead” your truck, i.e. drive it without the trailer.

• Medical payment: If there is an auto accident, and anyone in your truck is hurt, you can cover the medical costs with medical payment insurance.

• Motor truck cargo insurance: If something damages freight you are hauling, motor truck cargo insurance can help pay for it. If cargo spills and you have an expensive and time-consuming cleanup to deal with, this type of insurance can help offset those costs as well.

What Does Farmer Brown Insurance Covereage Cost?

Farmer Brown provides some data on typical truck insurance costs.

According to that data, it usually costs around $1,600 per year for a truck driver who is leasing.

As for what owner-operators pay for insurance, that can vary a great deal, sometimes running as high as $10,000 per year.

Farmer Brown explains some of the factors that can account for the variances in truck insurance costs. These include the type and value of the truck, how many trucks are in the fleet, the type of freight you are hauling, the geographical region where the driving is taking place, the amount of coverage purchased, the record of the driver, and your age and credit score. There are other additional factors that can impact the costs for truck insurance as well (underwriting, discounts, etc.).

Based on this, you can see the value in shopping around for your truck insurance policies, rather than just going with the first insurance carrier you run into. You could end up saving hundreds or even thousands of dollars a year, depending on your scenario.

Pros of Farmer Brown:

• Farmer Brown can help you find a wide range of truck insurance plans. Working together, you can put together a collection of policies that will serve your individual business needs.

• You can save money, time and hassle by going through Farmer Brown. This company will hunt down the most affordable policies on your behalf, sparing you from contacting carrier after carrier. They may even find some deals you would not have found on your own.

• Just having a patient, dedicated agent on your side during this process can make the whole thing less stressful. They will be able to give you tips that can help you structure your policies in a way that is going to be right for your risk appetite and finances.

Potential Cons:

Reviews for Farmer Brown on sites like TrustPilot are overwhelmingly positive. We have run into a few sporadic ones that mention issues with communication. These are clearly the exception and not the rule, and probably concern specific agents, not the company as a whole. Aside from that, everything we have learned about Farmer Brown is very favorable.

Is Farmer Brown Right for You?

If you want to save time and money on semi-truck insurance, then Farmer Brown is an excellent choice. This insurance agency has helped numerous owner-operators and truck drivers around the country to get competitive insurance rates, and they can help you do the same.

We cannot exaggerate what a huge advantage you get from having an experienced, dedicated insurance agency on your side as you shop for semi-truck insurance. Farmer Brown Insurance Agency has more than earned its sterling reputation, and can connect you quickly and easily with affordable coverage customized to your needs.