I've been comparing these two myself lately, and here's what I've noticed so far:
- State Farm seems to have the edge with their app and online tools—super convenient for routine stuff like payments, updating info, or minor claims.
- Farm Bureau, though, definitely feels more personal. My parents had them for years, and when our basement flooded (ugh, nightmare), the agent actually came by the next day to check things out himself. That kind of hands-on approach was reassuring.
I guess it comes down to what matters most to you: convenience vs. personal touch. For me, I'm leaning slightly toward Farm Bureau just because when things go sideways (and they always do eventually...), I'd rather have someone familiar who can step in and help sort things out. But if you're more tech-savvy and prefer handling things digitally, State Farm might be the better bet.
Still haven't fully decided myself, though—insurance shopping is a headache, lol.
I've been following this thread because I'm in a similar boat—trying to decide between these two myself. I appreciate your breakdown, especially the personal experience with Farm Bureau. That kind of hands-on service is definitely appealing, especially when things go south.
One thing I'm curious about, though, is how each company handles specialty vehicles. I'm a classic car guy, and I've found that some insurers are great for everyday cars but not so much when it comes to vintage or collector vehicles. State Farm has a decent reputation in the classic car community, but I've heard mixed things about Farm Bureau in that regard. Does anyone here have experience insuring older or collectible cars with either of these companies?
Also, I totally get the convenience factor with State Farm's app and online tools. I'm pretty comfortable handling routine stuff digitally, but when it comes to claims—especially something involving my '68 Mustang—I think I'd prefer someone who actually understands the value and uniqueness of the vehicle. A flooded basement is one thing (and sounds awful, btw), but dealing with damage to a classic car can be a whole different headache...
Anyway, still weighing my options here too. Insurance shopping really is a pain, haha.
I've had my '72 Chevelle insured with State Farm for about 8 years now, and honestly, they've been pretty solid. Had one minor claim after a fender bender at a car show (ugh...), and they handled it smoothly—no hassles about the value or finding specialty parts. Adjuster seemed familiar with classics, which was reassuring.
Can't speak personally about Farm Bureau for classics, but a buddy of mine switched away from them because he felt they didn't fully grasp the collector market. They weren't terrible or anything, just not as tuned-in as he'd hoped.
I agree digital convenience is nice for routine stuff, but when it comes to classics, having someone who gets it is key. Might be worth calling both companies directly and asking specifically about agreed-value policies or how they handle appraisals. Could help clear things up before you commit. Good luck with the Mustang—sounds like a beauty!
"I agree digital convenience is nice for routine stuff, but when it comes to classics, having someone who gets it is key."
That's exactly right. I've been down this road before—not with a Chevelle or Mustang (though I wish!), but with my old '85 Camaro. When it comes to insuring classics or even older cars in general, the personal touch and understanding from your insurer really does matter.
I've actually had experience with both State Farm and Farm Bureau, though not specifically for classics. State Farm was pretty straightforward and reliable for me too—never had major issues when filing a claim. Farm Bureau wasn't bad either, but they seemed a bit more focused on newer vehicles and standard coverage. I got the impression that classics weren't really their bread-and-butter, if you know what I mean.
One thing I'd add from a budget-conscious perspective: definitely ask about discounts or bundling options if you've got other policies like home or daily drivers. Sometimes the savings can be significant enough to tip the scales one way or another. Also, don't be shy about asking how they handle mileage restrictions or storage requirements—some insurers offer better rates if you're not driving the car daily.
Another practical step: check out local car clubs or classic car forums specific to your area. Folks there often have firsthand experiences with local agents who specialize in classic car coverage. They might point you toward an agent who's particularly knowledgeable about collector vehicles and agreed-value policies.
Bottom line, you're already on the right track by planning to call them directly about appraisals and agreed-value coverage details. It's worth taking that extra step now to save yourself potential headaches later...especially with something as special as your Mustang. Good luck sorting it out—hope you find a policy that's both affordable and reliable.
True, personal touch can matter... but honestly, do you really think big insurers like State Farm or Farm Bureau ever truly "get" classics? I'd consider specialty classic car insurers instead—might be worth checking out Hagerty or Grundy, no?
