Have you checked how each handles claims after an accident where you're at fault? I ask because I've been through that (unfortunately...), and some companies can really spike your rates or even drop you altogether. Farm Bureau seems solid for rural stuff, but do they have accident forgiveness or anything similar? Might be worth double-checking those details before deciding—could save you from surprises later on.
Good point about accident forgiveness—I didn't think of that at first either. When I was comparing, I called both companies directly and asked step-by-step how they'd handle an at-fault accident. Farm Bureau did mention something about accident forgiveness after a certain number of years without claims, but it might depend on your state or specific policy. Definitely worth a quick call to confirm details...could save you some headaches (and cash) down the road.
Good advice on calling directly—I did the same, and it's surprising how much the fine print varies between companies. Farm Bureau's accident forgiveness sounded good to me too, but when I asked about coverage limits for luxury vehicles, they seemed a bit vague. State Farm was clearer upfront about repair options and OEM parts coverage, which matters a lot if you're driving something higher-end. Definitely double-check specifics like that, because the small details can really impact your wallet if something happens. Better safe than sorry...
"Definitely double-check specifics like that, because the small details can really impact your wallet if something happens."
Good point about checking the fine print, especially with luxury vehicles. I've been down that road myself—high-risk driver here, unfortunately—and it's amazing how quickly those little details add up when you actually need the coverage. I remember one time after a minor fender-bender, I assumed my policy covered OEM parts, but nope... ended up with aftermarket replacements that just didn't fit right. Lesson learned the hard way.
Speaking of accident forgiveness, does anyone know how Farm Bureau handles multiple incidents? Like, say you have one forgiven accident, but then another minor incident happens within a year or two—do they reset your forgiveness period or is it a one-and-done kind of deal? State Farm was pretty clear when I asked them about it; after one forgiven accident, you're basically back to square one for a few years before you qualify again. But Farm Bureau was a bit fuzzy on that detail when I called.
Also, has anyone had experience with how either company handles high-risk drivers specifically? Some insurers seem great upfront, but once you have a couple of tickets or claims on your record, they jack up your rates like crazy or even drop you altogether. It'd be good to know if either Farm Bureau or State Farm is more forgiving in the long run, especially since I'm trying to keep my premiums manageable.
Insurance shopping always feels like navigating a maze... just when you think you've got it figured out, there's another twist.
I'm new to insurance myself, but I've been researching this exact thing lately. From what I've gathered, Farm Bureau's accident forgiveness seems to vary a bit by state and policy type. My agent mentioned it's typically a one-time deal, and after that, you're back to standard rates for a while. But he wasn't super clear on how long "a while" actually is...
As for handling high-risk drivers, I haven't had personal experience yet (knock on wood), but I've heard from friends that State Farm can get pretty pricey once you have a couple incidents. Farm Bureau might be slightly more forgiving, but again, it depends heavily on your local office and your agent. I'd suggest getting a detailed quote from both companies, specifically mentioning your driving history upfront. It's a pain, but probably worth the extra effort to avoid surprises later.
