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Administrative Hearings and Public Programs Why choose Farmers? Most of the largest auto insurance companies also either employ their own in-house (captive) agents, or partner with independent agents to secure leads. State Farm, Allstate and Farmers generally employ what are known as captive agents - their agents can only quote for their own company (Allstate, in fact, is one of our favorite agent-based insurer). GEICO has agents as well, to a certain extent, that are scattered across your state.
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If you own a home, have savings, etc., you do not want to do state minimums for liability. Why? Because that one time you hit a car in your blind spot or whatever the case may be, you can have serious exposure for liability.
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