Interesting (to me) that Farmer's was rated "average".

I had a vehicle damaged by a Farmer's insured client. I got three estimates from reputable body shops, all of whom wanted to replace a damaged emblem. The Farmer's adjuster said putting a new emblem (maybe $25.00) on my older vehicle was bettering it and would only pay for part of it.

When I related that to the body shop of my choice the proprietor said "I've been in business for 40 years and I've never heard of an insurance company claiming betterment on an emblem".

It strikes me Farmer's was trying to lower the bar of customer service even lower. I would rate them solidly "Unsat".

My impression is for collector car stuff Hagerty is the way to go...