When searching for homeowners, auto, or life insurance coverage in the Bethany area, you may come across Brian Ward’s Farmers Insurance agency. But how do customers rate Brian Ward’s agency when it comes to policy options, prices, claims processes, and customer service?
In this comprehensive review, we’ll provide an in-depth look at Brian Ward’s Farmers Insurance in Bethany to help you make an informed insurance decision.
Overview of Brian Ward’s Farmers Insurance Agency
Brian Ward operates an independent Farmers Insurance agency located at 7300 NW 23rd St #210 in Bethany, OK. The agency has been in business for over 22 years serving the Bethany community and surrounding areas.
As an agent for Farmers Insurance, Brian Ward offers a range of insurance products including:
- Auto insurance
- Homeowners insurance
- Renters insurance
- Condo insurance
- Life insurance
- Business insurance
- Motorcycle insurance
The agency provides personalized coverage options and insurance quotes for individuals and families in the Bethany area. As an independent agent, Brian Ward can sell insurance policies from Farmers as well as other insurance companies.
Farmers Insurance Products Offered
Farmers auto insurance policies include standard coverages like liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments. Optional add-ons may include:
- Rental reimbursement coverage
- Roadside assistance
- Accident forgiveness
Farmers homeowners insurance provides coverage for the structure, personal belongings, liability, and medical payments. Options for expanded coverage are available such as:
- Replacement cost for personal property
- Water/sewer back up protection
- Identity theft protection
Farmers life insurance options include:
- Term life insurance
- Whole life insurance
- Universal life insurance
- Accidental death insurance
This gives customers diverse solutions for life insurance tailored to their budget and needs.
In addition to standard policies, Farmers Insurance also offers specialized products like:
- Boat insurance
- Motorcycle insurance
- Classic car insurance
- Rental property insurance
- Flood insurance
- Umbrella insurance
So Brian Ward’s agency provides a wide range of Farmers Insurance products to suit most customers’ coverage needs.
Brian Ward’s Farmers Insurance Reviews on Cost
Cost and rates are often the primary concern for insurance shoppers. Here’s an overview of Brian Ward’s Farmers auto and home insurance costs based on reviews:
Auto insurance – On average, customers report annual premiums of $800 – $2,000 for full coverage. Rates are competitive but can be higher than some other insurers.
Homeowners insurance – For a typical home in Bethany, annual premiums average around $1,500 – $2,000. Rates are reasonable but not the lowest.
Bundling policies – Farmers provides a bundling discount of up to 15% for customers who combine home and auto insurance. This can help lower rates.
High risk drivers – Reviews indicate costs for high-risk profiles can be expensive with rates of $2,500+ per year.
So the overall sense is that Farmers Insurance rates through Brian Ward’s agency are fairly affordable and inline with state averages, though not necessarily the cheapest. Bundling policies and maintaining a clean driving record can net additional savings.
Reviews of Brian Ward’s Customer Service
Customer service and agent expertise are big factors for insurance shoppers beyond just cost. Here are reviews of Brian Ward’s service:
Knowledgeable and helpful – Most reviewers say Brian Ward is very knowledgeable about Farmers Insurance products and helpful in explaining policy options. He takes time to understand individual needs.
Good responsiveness – Customers indicate phone calls and inquiries are responded to promptly in a timely manner. Emails are answered within 1 business day in most cases.
Mixed on claims experiences – While some reviewers say claims were handled satisfactorily, others report low-ball estimates from adjusters and delays getting claim payments.
Strong local presence – As an agent with 22+ years in Bethany, Brian Ward is familiar with the community and connects well with local customers.
So feedback on Brian Ward’s customer service is generally positive when it comes to insurance advice and working with clients. However, claims experiences are more mixed, which can be a frustration for policyholders.
What Customers Like About Brian Ward’s Agency
Looking at reviews from sources like Google, Yelp and Yellowpages, here are the most common positives customers cite about Brian Ward:
Helpful and patient – Customers appreciate Brian Ward taking the time to explain policies and answer all questions thoroughly. He does not rush people into purchases.
Makes recommendations – Brian Ward is good at assessing insurance needs and making customized recommendations based on budget and lifestyle factors. This takes the guesswork out of choosing coverage.
Competitive pricing – His rates on bundled home and auto insurance in particular are reasonably priced and competitive locally.
Smooth renewals – Renewing existing Farmers policies through the agency each year is a smooth and painless process.
Friendly staff – In addition to Brian Ward, his office staff are complimented as being friendly, organized, and professional.
So in regards to insurance guidance and cost savings, Brian Ward earns very positive feedback from Bethany-area customers.
Potential Downsides to Be Aware Of
While reviews of Brian Ward’s agency are generally favorable, there are a few common downsides that customers point out to keep in mind:
Mixed claims experiences – As noted, claims processes can be frustrating with low initial claim payouts that require negotiating and delays to get resolutions.
Less affordable for high-risk drivers – Costs may be prohibitively expensive for drivers with poor records or young drivers. There may be more budget insurers in some cases.
Limited evening/weekend hours – The office is only open weekdays until 5:30 pm. Those who can’t easily take time off work may find this inconvenient.
Not the cheapest overall – Cost-conscious customers report Farmers rates still tend to be a bit higher than leading discount insurers like Progressive and GEICO.
So while there are some downsides, they do not seem to outweigh the positives most customers experience with friendly service and reasonable pricing.
Is Brian Ward’s Farmers Insurance Recommended?
Based on the predominantly positive feedback from Bethany-area customers, Brian Ward’s Farmers Insurance agency is recommended for locals seeking home, auto, or life insurance policies.
Reviews indicate Brian Ward provides excellent customer service and insurance guidance, and he works diligently to find affordable Farmers Insurance rates. While there are some drawbacks like claims hassles, overall policyholders are satisfied with the coverage, pricing, and service from this agency.
Some tips if choosing Brian Ward’s Farmers Insurance:
- Bundle home and auto for discounts
- Maintain a clean driving record
- Get quotes from other insurers to compare
- Ask about claims satisfaction before purchasing
For personalized insurance advice and local expertise, Brian Ward’s 22+ years of experience makes him a smart choice for residents in the Bethany, OK vicinity. Just balance cost considerations to find the best value.
The Bottom Line: Excellent Service but Shop Around for Best Rates
For quality insurance guidance and customer care, it’s hard to beat Brian Ward’s Farmers Insurance agency in Bethany, OK. Brian receives overwhelmingly positive reviews for taking time to assess individual needs, explain policy options, and provide customized recommendations. While rates are reasonable with bundling discounts, Farmers may not be the cheapest for all drivers. We suggest comparing quotes from a minimum of 3 insurers before deciding. But for great local service and support, Brian Ward is a wise choice.