I have been selling insurance with Farmer's Insurance for about 18 years now. One of the main reasons I chose Farmer's over the other companies was because of the philosophy on which the company was built. In 1927 John Tyler and Thomas Leavey started Farmers Automobile Inter-Insurance to provide preferred insurance rates to rural drivers. They believed that farmers should receive lower rates on their auto insurance because they had a lower likelihood of accidents.
Both Tyler and Leavey had rural backgrounds and Leavey had worked previously for the Federal Farm Loan Bureau and the National Farm Loan Association. They organized Farmer's Insurance to be a reciprocal insurer. This meant that the policy holders were subscribers, and exchanged contracts with each other to protect against losses. I believe that if our communities had this attitude of sharing liability between the citizens that we would all be responsible for one another in a way that would enhance all of our lives.
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