Had a similar experience with State Farm when I tried insuring my '72 Nova. Felt like I was speaking another language trying to explain why the factory interior mattered. Farm Bureau just got it right away, no hassle, decent rates...and less headache overall.
Had a similar thing happen when I was trying to insure my '69 Mustang. Here's what worked for me: first, gather detailed pics of the interior and any original paperwork you have. Then, clearly explain why those factory details affect value—sometimes agents just don't get it unless you lay it out step-by-step. But yeah, some companies just seem more tuned into classic cars right from the start. Glad Farm Bureau worked out better for you...sounds like you saved yourself some headaches.
Farm Bureau worked better for me too. Couple quick points from experience:
- State Farm can be hit or miss depending on your local agent's knowledge of classics.
- Farm Bureau generally seemed more consistent with agreed-value policies.
- Definitely agree on detailed pics and paperwork—saved me a ton of back-and-forth.
Bottom line, if you're insuring something special or vintage, Farm Bureau might save you some hassle.
Good points on Farm Bureau, especially about the agreed-value policies. I've mostly insured family cars, nothing vintage yet, but now I'm curious—does Farm Bureau handle regular vehicles just as smoothly? Might consider switching if they're consistent across the board...
"does Farm Bureau handle regular vehicles just as smoothly?"
From my experience, yeah, they're pretty solid with everyday cars too. Had a minor fender-bender last year—nothing vintage, just our family SUV—and Farm Bureau sorted it out quickly without any hassle. State Farm wasn't bad either when we had them, but FB felt more straightforward and responsive. Curious though, anyone had to deal with either company after something bigger like theft or serious damage? That's the real test imo...
