Farmers Insurance Agent in Orem, UT
KYLE FULLER Ins Agency IncAbout Me
I was born and raised right here in Orem. I currently live in Provo and my kids go to Provo High. I attended Mountain View High School and later BYU. We love the area, and we are doing all we can as a business to support the high schools and support our community.
As your local Farmers® agent in Orem, I am excited to help you get the insurance coverage that you need. Marcene, Jason and myself have the knowledge and experience to help you understand what your coverage options are -- whether you are looking at auto, home, renters, business, specialty, or life insurance. We are here to help answer any questions you have and make you smarter about your insurance!
Give me a call at (801) 224-5008 and I'll be happy to answer any questions you might have.
Languages Spoken: Spanish and English
Years of Experience
I have over 20 years of experience as a Farmers Insurance agent.
Awards and Honors
Championship and Topper Club
Neighborhoods Served
Utah Valley
Connect
Insurance Products Offered
*To check background information of this investment professional, visit FINRA BrokerCheck.
Ask Me About:
Why my Agency
Why my Agency
With over 55 years of combined experience, our goal is to help get you the insurance you want at a price that you like. We are dedicated to making your experience with our agency enjoyable and stress-free. We build strong relationships with our customers and make a point of connecting with each of them once a year for a Farmers Friendly Review® where we look at their insurance coverages including Auto, Home, Life¹, and Business insurance to help ensure that they have the coverage they want. Come by our office and see how we can help you! PWS 760975.1 5/15
Auto Insurance FAQ
Auto Insurance FAQ
We have compiled a list of the questions we get asked most frequently about auto insurance. We hope that this list helps you to feel a little smarter about your insurance.
Q: Does my insurance cover a rental car? A: This question could mean two different things.
1. Does the coverage on my policy transfer over to a rental car? Yes! You do not need to pay for extra coverage on your rental car if you have current insurance.
2. Does my policy pay for my rental car? There is an optional coverage on your auto policy that will help pay for a rental car if you get in an accident. This coverage only pays for a rental car in the event of an accident. If you need a rental car for a vacation, though, your insurance won't provide you with one.
Q: If I locked my keys in my car can my insurance help me?
A: Farmers® offers a towing and roadside service coverage on our auto policies for about $4.50 every 6 months. If you have this coverage, Farmers will absolutely help with this! We can help you get a tow, jump, change a tire, repair a flat, and even help you if you lock your keys in your car! If you aren't sure if you have this service, call us!
Q: I get too many things from Farmers in the mail. How do I stop this?
A: Enroll in online billing through "e-policy". You can do this online at www.Farmers.com, or we can help you with it in the office! Q: Do I need to add my teenage driver to my policy? A: If you teenager just has a permit, no. If they have a license, yes. We just need their name, date of birth, and driver's license number to add them. Q: What are some things I can do to make my policy cheaper?
A: Farmers offers a lot of discounts to choose from. Come in to see if you are eligible for any of them. We have occupational discounts, multi-policy discounts, good student discounts, good driving discounts, discounts for different payment methods and discounts for getting bills sent to your e-mail instead of your home address.
Q: How much insurance do I need?
A: In Utah automobile liability insurance is mandatory. The state minimum for liability insurance is what we call 25/65. This means that if you get in an accident and you are found at fault, the insurance company will pay out $25,000 per injured person with a total payout of $65,000 per accident for injuries. This is the bare minimum coverage you need to legally drive in Utah. We recommend higher liability rates, though. If you get in a serious accident and you only have minimum liability limits you could potentially have to pay tens or even hundreds of thousands of dollars out of pocket. Our liability limits go all the way up to 500/500 or $500,000 per injured person with a maximum payout of $500,000 per accident. If you are curious about what you have or what other options might cost, let us know! If you have a loan on your vehicle you are also required to carry full coverage which protects your vehicle.
Q: What exactly is "full coverage?"
A: Liability insurance only protects other people and vehicles in the event of an accident. Full coverage protects your vehicle. If you get in an accident where you were at fault, your full coverage will kick in. There are two parts of full coverage, comprehensive (or other than collision), and collision. Comprehensive coverage is for damage incurred from weather, fire, and collision with moving objects like an animal. Collision covers collision with a stationary object. For full coverage you have a deductible. Farmers offers deductibles as low as $100 and as high as $2500. If you have a collision claim and you have a $500 deductible, the insurance will cover all of the damage to your car except $500 which you will be responsible for. We hope this helps! If you have more questions or need clarification, give us a call!
Q: Does my insurance cover a rental car? A: This question could mean two different things.
1. Does the coverage on my policy transfer over to a rental car? Yes! You do not need to pay for extra coverage on your rental car if you have current insurance.
2. Does my policy pay for my rental car? There is an optional coverage on your auto policy that will help pay for a rental car if you get in an accident. This coverage only pays for a rental car in the event of an accident. If you need a rental car for a vacation, though, your insurance won't provide you with one.
Q: If I locked my keys in my car can my insurance help me?
A: Farmers® offers a towing and roadside service coverage on our auto policies for about $4.50 every 6 months. If you have this coverage, Farmers will absolutely help with this! We can help you get a tow, jump, change a tire, repair a flat, and even help you if you lock your keys in your car! If you aren't sure if you have this service, call us!
Q: I get too many things from Farmers in the mail. How do I stop this?
A: Enroll in online billing through "e-policy". You can do this online at www.Farmers.com, or we can help you with it in the office! Q: Do I need to add my teenage driver to my policy? A: If you teenager just has a permit, no. If they have a license, yes. We just need their name, date of birth, and driver's license number to add them. Q: What are some things I can do to make my policy cheaper?
A: Farmers offers a lot of discounts to choose from. Come in to see if you are eligible for any of them. We have occupational discounts, multi-policy discounts, good student discounts, good driving discounts, discounts for different payment methods and discounts for getting bills sent to your e-mail instead of your home address.
Q: How much insurance do I need?
A: In Utah automobile liability insurance is mandatory. The state minimum for liability insurance is what we call 25/65. This means that if you get in an accident and you are found at fault, the insurance company will pay out $25,000 per injured person with a total payout of $65,000 per accident for injuries. This is the bare minimum coverage you need to legally drive in Utah. We recommend higher liability rates, though. If you get in a serious accident and you only have minimum liability limits you could potentially have to pay tens or even hundreds of thousands of dollars out of pocket. Our liability limits go all the way up to 500/500 or $500,000 per injured person with a maximum payout of $500,000 per accident. If you are curious about what you have or what other options might cost, let us know! If you have a loan on your vehicle you are also required to carry full coverage which protects your vehicle.
Q: What exactly is "full coverage?"
A: Liability insurance only protects other people and vehicles in the event of an accident. Full coverage protects your vehicle. If you get in an accident where you were at fault, your full coverage will kick in. There are two parts of full coverage, comprehensive (or other than collision), and collision. Comprehensive coverage is for damage incurred from weather, fire, and collision with moving objects like an animal. Collision covers collision with a stationary object. For full coverage you have a deductible. Farmers offers deductibles as low as $100 and as high as $2500. If you have a collision claim and you have a $500 deductible, the insurance will cover all of the damage to your car except $500 which you will be responsible for. We hope this helps! If you have more questions or need clarification, give us a call!
Why Farmers®?
Why Farmers®?
Farmers® is an established insurance company recognized around the country. I have been a licensed agent with Farmers for over 16 years, first as an agency producer and later I started up this agency here in Orem. Farmers has a dedicated team of professionals to help you. My staff and I are here to help, as well. Choose Farmers for your Auto, Home, Life¹ and Business and our agency can help you be financially protected with coverage tailored to meet your needs. PWS 760975 5/15
Be smart with your smartphone
Be smart with your smartphone
When accidents happen Be smart with your smartphone Nowadays many of us have smartphones (or photo-capable cellphones) and have them at hand most if not all of the time. So it's not surprising that an increasing number of insureds are submitting auto accident notifications to their insurance companies with at-the-scene photographs of vehicle damage. If you don't have a smartphone (or photo-capable cellphone) keep a disposable camera in your glove box or console - be prepared for the unexpected. Real-time photos Insurance companies typically do an in-depth analysis of an accident which requires photos that balance detail and context. For instance, a close-up photo of a damaged fender is necessary but to provide context, an additional wider-angle shot may help determine the angle of impact and the scope of the damage. Here's some guidance that may help make you smarter about on-the-scene photos so your information may be more useful: Establish boundaries of crash scene and impact zone. Make sure to photograph every vehicle involved from all angles and the relative position of each to other vehicles. This helps to establish the boundaries of the crash scene and the impact zone. Broaden the view to include street layout, landmarks, traffic controls, and signage. Try to include pictures that show the vehicle's position relative to its closest landmark. Details that include these fixed objects can help investigators reconstruct accident events accurately. Focus on the damage sustained by all the vehicles. Take close-up photos of the damage and broader views for context. Take shots of the vehicles' identifying features. Capture license plates, VIN numbers and any other unique, identifying features. Document roadside debris, strewn vehicle parts and so on. Try to show the relationship of the vehicle(s) to the debris depicted in the image. Care for those needing medical help first Most importantly, call 911 immediately if anyone needs medical attention. Take care of safety concerns before worrying about photography. If and when you begin taking photos, be respectful of the privacy rights of others and take care not to share your images on social media sites.
Pet Owner?
Pet Owner?
Vet visits are twice as expensive as they were 10 years ago, but that shouldn't keep you from caring for your pet.
Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by Independence American Insurance Company, a Delaware insurance company.
Owning a Small Business
Owning a Small Business
When you're a small business owner, you may have to make tough sacrifices. Insurance shouldn't be one of them. Come see me and I’ll help you select the coverage you want.
My Hardworking Team
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Mady, Marcene, and Kyle
Marcene
The office.
Our office on Orem Blvd
Kyle
Marcne
