"Maybe stick with Farm Bureau if they can match coverage and price...simpler than switching."
I get where you're coming from, especially about keeping things simple. But just to offer a slightly different perspective—sometimes switching insurers isn't as much of a hassle as it seems, and it can actually pay off in the long run.
A couple years back, I was in a similar spot deciding between State Farm and Farm Bureau. I'd been with Farm Bureau for ages, loved my local agent, and never had any major complaints. But when I started commuting longer distances daily, I decided to shop around just to see what else was out there. Surprisingly, State Farm ended up offering me significantly better rates for the same coverage. The switch itself was pretty straightforward—just a few phone calls and some paperwork online. Honestly, it wasn't nearly as complicated or time-consuming as I'd expected.
Also, while I agree that Farm Bureau's local agents are usually top-notch, I've found State Farm's digital tools and mobile app to be really convenient for quick claims or roadside assistance requests. If you're someone who prefers handling things digitally rather than calling or visiting an office, that might be something worth considering.
As far as roadside assistance goes, I've used State Farm's service twice now—once for a flat tire and another time when my battery died at work—and both times they were quick and efficient. Granted, these weren't classic cars or anything special (just my trusty commuter sedan), but still...they got the job done without any fuss.
Bottom line: simplicity is great, but don't let the idea of switching scare you off completely. It might actually be easier—and more beneficial—than you think.
I see your point about simplicity being a big plus, especially if you're happy with your current service. But one thing I'd add from my experience handling claims is that switching insurers can sometimes reveal coverage gaps you didn't know existed. Different companies structure their policies differently, and shopping around—even if you don't switch—can help you spot potential blind spots in your current coverage. Just something to keep in mind before you make a final decision...
"Different companies structure their policies differently, and shopping around—even if you don't switch—can help you spot potential blind spots in your current coverage."
This is spot-on advice. A few years back, I switched from State Farm to Farm Bureau for my '68 Mustang. Thought I had everything covered, but turns out my old policy didn't fully account for replacement parts authenticity (big deal for classic cars...). Definitely worth comparing the fine print closely—sometimes simplicity isn't everything if it leaves your pride and joy exposed.
"Definitely worth comparing the fine print closely—sometimes simplicity isn't everything if it leaves your pride and joy exposed."
Good point, but honestly, how much extra did that specialized coverage end up costing you? Curious if the peace of mind justified the price bump...
"Curious if the peace of mind justified the price bump..."
Honestly, as someone who's had their fair share of parking lot mishaps (don't ask...), paying a bit extra for coverage that actually covers stuff has saved me from some serious headaches. Worth every penny, IMO.
