I had a similar experience last year when I was shopping around after getting a speeding ticket (just 8 mph over, but still...). Initially, I assumed the bigger companies like State Farm would offer better stability and customer service, but their quotes jumped noticeably after that one minor infraction. On a whim, I checked out a smaller local insurer my neighbor recommended, and surprisingly, their quote was significantly lower. They seemed to consider my overall driving history rather than just zeroing in on that one ticket.
One thing I'd suggest is to carefully compare not just the rates, but also the coverage details step-by-step—sometimes smaller insurers have slightly different terms or deductibles. Also, ask around locally or check reviews online to see how responsive they are when handling claims. Flexibility is great, but you definitely want reliability too if something actually happens.
"Flexibility is great, but you definitely want reliability too if something actually happens."
Good point about reliability... I've been leaning toward Farm Bureau myself since their rates seem friendlier, but has anyone here actually filed a claim with them? Curious how smooth (or bumpy) that process was.
I've been eyeing Farm Bureau too, mostly for the cheaper rates. But as someone with a couple speeding tickets (oops...), I'm curious if anyone knows how forgiving they are with rate hikes after minor incidents?
Had Farm Bureau a while back and after my first speeding ticket, they barely blinked. But after the second one within a year? Yeah, rates jumped noticeably. They're forgiving to a point... just don't push your luck like I did, lol.
Yeah, I've been there too—had a couple speeding tickets close together, and insurance companies definitely notice. Farm Bureau was pretty reasonable at first, but you're right, they have their limits. State Farm isn't that different in my experience; they're forgiving initially but can also hike rates if you rack up tickets quickly. Hang in there though... after a couple years of clean driving, things usually ease up again. It's all about patience and keeping an eye on the speedometer.
