Farmers Insurance Agent in Prescott, AZ
Michael Darius CoomerAbout Me
As your local Farmers® agent in Prescott, I help customers like you identify the insurance coverage that best fits your needs. This process is straightforward and personalized to help make you smarter about insurance. I have the knowledge and experience to help you better understand your coverage options--whether that's life, auto, home, renters, business insurance and more. I grew up in this area and have chosen to raise my family here, so I am invested in the safety and success of my neighbors like you. Stop on by or give us a call with any questions, we look forward to working with you!
Give me a call at (928) 445-7550 and I'll be happy to answer any questions you might have.
Languages Spoken: English and Spanish
Insurance Products Offered
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Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? Your local Farmers agent can take the mystery out of selecting the right Car insurance coverage for your needs and budget. Get started with an online Auto insurance quote and learn about our insurance discounts that can help you save money.
Your home is perhaps your most valuable possession, so you'll want to make sure your insurer has withstood the test of time. Farmers® has been providing insurance products for over 80 years, and will be there in the event disaster strikes and your home is damaged in a fire or due to another covered cause of loss. Plus, get competitive rates with our multi-line insurance discounts. Get a Home insurance quote now.
How much has your life changed in the last few years? Whether you've purchased a home, gotten married, had children or started a small business, it's a good idea to review your Life insurance policy. Call me today so you can create a plan to help provide financial support for those who depend on you.ADFL029AWS 9/17
Your landlord may have an insurance policy, but if there's a fire in your building, that policy may not cover your possessions. That's why there's Renters insurance. Get a Renters insurance quote to see how affordable it is to protect your personal belongings.
Managing your small business can be complex, selecting the right Business insurance for your unique operation doesn't have to be. No matter the type of business, a Farmers agent can help you customize an insurance package to reduce your risk and protect your investment. Request a Business insurance quote today to get started.
Your condo is more than a place you call home. It’s also a major investment filled with possessions you want to protect. Get a quote on condo insurance to see how affordable it is to protect your personal belongings.
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As a motorcycle enthusiast, you're all about adventure and fun. The last thing you want to worry about is whether you have the right Motorcycle insurance policy. Talk to a Farmers agent about Motorcycle insurance discounts such as rewards for responsible riders and insuring more than one bike with Farmers.
When enjoying the great outdoors, you shouldn't have to be thinking about your insurance coverage. Make sure you have Recreational insurance coverage from an industry leader. Whether you own a boat, travel trailer, ATV or Motor Home, Farmers Insurance has flexible coverage options and insurance discounts. Contact a Farmers agent to get a quote.
You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.
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Farmers Insurance provides multiple options for auto insurance at a competitive price. Your price gets even better if you qualify for any of our available discounts, and no one has more auto insurance discounts than Farmers. When applying for auto insurance in Arizona, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. Our team will explain what all the coverages mean in a way that's easy to understand. We will make sure you have all the coverage you want, and that you are not paying for anything you don't need.
Auto Insurance Coverage options in Arizona:
Collision and Comprehensive (other than collision) Coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both coverages for each vehicle you own. If you have an auto loan you may be required to purchase both. However, even if your vehicle is paid off you may still want to have comprehensive and collision coverage depending on the value of your vehicle.
Collision coverage insures you against damage to your vehicle caused during an accident.
Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, hitting an animal, hail, and vandalism.
Collision and comprehensive (other than collision) coverage usually include a deductible, which can range from $500 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident. In the state of Arizona, you are required by law to have $25,000 of Bodily Injury Coverage per person, $50,000 of Bodily Injury Coverage per accident, and $15,000 of Property Damage Coverage at a minimum. On your policy, these limits often get abbreviated and condensed to show as 25/50/15. While these limits make you legal to drive, depending on how much damage is caused in an accident you may need more coverage. The experts on our team can help you determine how much coverage is right for you. We can show you how to increase your limits and/or add a Personal Liability Umbrella to make sure you are properly protected.
Medical Payments Coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance and do not need help paying for your medical bills if you are in an accident, you can choose to reject this coverage.
Uninsured/Underinsured Motorist Bodily Injury Coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability insurance to cover your injuries, lost wages, and pain and suffering. It also covers you if you are in an accident with a hit-and-run driver. If you do not have health insurance, this is an essential coverage to have on your policy. If you do not need help paying for medical bills, and lost wages if you are in an accident because you already have those things covered by other policies or benefits, you can choose to reject this coverage.
Optional or special coverages includes extras such as safety glass, towing, rental reimbursement, and roadside assistance. None of these coverages are required but should you want them on your policy we can help you add them.
How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), the value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk. The licensed insurance experts on our team can help you determine the correct amount of coverage for your unique situation.
How do you define dream house? You might’ve chosen a home on your favorite golf course, a log cabin nestled in the mountains, or a home with horse property. Your home is a major investment, but — more than that — it’s where you raise a family, entertain friends and create lifelong memories.
Whether you live in the perfect starter house, a custom-built dream home or something in between, one thing is true: You want to protect the life you’ve made there.
Here are some typical situations in which Homeowners Insurance can help:
There’s a fire in your kitchen
You act quickly and prevent a grease fire from getting out of control, but smoke damages the counters and cabinets in your kitchen.
Property coverage in your policy can help if your house is damaged by fire and/or smoke.
Thieves strike while you are away
You return from a family vacation to discover thieves have stolen electronic equipment from your media room.
If your possessions are stolen, damaged or destroyed in an insured loss, your coverage can help replace them, up to the policy’s stated limits.
A visitor is injured
A guest at your annual Fourth of July barbecue trips on the steps between your deck and the lawn — fracturing his wrist when he falls against a stone retaining wall.
Medical payments coverage can cover the medical costs if a visitor is hurt on your property, regardless of liability.
You are evacuated due to a wildfire
You were informed of the evacuation and escaped uninjured, but you need to find a hotel to stay in as well as extra money to for food.
Coverage for additional living expenses can help with the extra cost of temporary relocation caused by a covered event … this can even help board your animals … even horses!
Instance where your homeowners insurance could help with losses away from your home:
Your jewelry is stolen
You mastered the basics of surfing during lessons in Hawaii — but your wedding ring is stolen.
With personal possessions coverage, lost jewelry is covered up to your policy limits.
You lose your passport
While on vacation in Europe, you lose the tote bag that has everyone’s passports.
Your homeowners policy can help with the cost of replacing passports and other valuable papers.
Homeowners policies generally cover valuable items like jewelry, artwork and collectibles — but usually at relatively low limits. With personal articles floaters, you can insure specific valuables at higher limits.
Subject to restrictions.
What do you love about your life? You might be grateful for a partner who understands you better than anyone else. Maybe you delight in watching your children embrace their talents. Perhaps a recent promotion is giving you the chance to flex some leadership skills.
If all goes according to plan, you’ll pay off the mortgage, put your kids through college and enjoy a long retirement. But you know the unexpected could happen — do you want to help plan for your family’s future if they must go on without you? Life insurance may help lighten their financial burden.
Your Farmers® agent can show you several coverage options you can tailor to your priorities and budget. In fact, life insurance plans may be more affordable than you might think.
Types of Life Insurance
Farmers Life® offers three types of life insurance — and each has unique characteristics:
Term Life Insurance
Term life is a type of life insurance policy where premiums remain level for a specified period of time —generally for 10, 20 or 30 years. After the end of the level premium period, premiums will generally increase. Coverage continues if the premiums are paid. Perhaps this is an option you may want to consider when you’re on a more limited budget and will have significant expenses over a shorter period of time.
You can often pay a lower premium when you select a shorter term — say, 10 years instead of 20. But since premiums are based on risk of death, once you are outside of the level premium period, a term life policy generally gets more expensive as you grow older.
Whole Life Insurance
Whole life is permanent insurance — you’re insured throughout your lifetime, or until the policy matures, as long as you continue to pay your premiums per terms of the contract. And those premiums will stay level if the policy remains in force. Over time, permanent insurance typically accumulates a cash value that can be accessed1 for a variety of purposes while you’re still alive.
Universal Life Insurance
Like whole life, universal life is permanent insurance that may also accumulate a cash value. It offers more flexibility, though. You can tailor a policy to meet changing priorities with flexible premiums and face amounts. Universal life also offers you more control over how quickly your cash value grows.
What’s the best coverage for you?
When it comes to life insurance, there’s no such thing as “one size fits all.” Everyone has different needs, goals, and financial considerations. That’s why coverage comes in a variety of forms, with a range of features you can tailor to your unique situation:
Your family is young and growing, so you may be juggling a mortgage, auto loans and childcare costs. While your expenses may continue to expand over time, you may want an affordable life insurance policy that helps you plan for your family’s financial future until the kids are grown and the house is paid off.
You’re more established in life. In addition to providing a death benefit to your beneficiaries, you may leverage the loan1 or partial surrender features of certain policies to help support things like supplemental retirement income, caring for a family member with a disability or preparing for eventual estate taxes.
You’re single and have no children. The death benefit proceeds from your life insurance policy may help support obligations such as the costs of your personal debts, medical bills or final expenses — and may also help leave a legacy to someone you love or a favorite charity.
Your Farmers agent can explain your options, along with information about riders like:
Disability riders that may help pay your policy’s premiums, and may supplement your lost income, if you’re disabled.
An accelerated death benefit rider that lets you collect a portion of the policy’s death benefit if you become terminally ill with a short life expectancy.
A critical illness rider that pays a lump sum to you if you’re diagnosed with one of several specified critical illnesses such as cancer, heart attack or stroke.
As a small business owner myself, I know it's not easy to plan for the future when you factor in the unexpected. A Buy-Sell Agreement funded by a life insurance policy can help reduce the "what ifs" in your mind. Let’s work together on a plan sooner rather than later.
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Farmers has spent the last 60 years getting to know outdoor enthusiasts. From boats, personal watercraft and off-road vehicles to motor homes, travel trailers and 5th wheels, we have an array of specialized coverage options. Call me today for more information.