Good points all around, especially about agreed-value coverage. I've seen folks pay extra for it, only to realize later their car's actual market value wasn't far off anyway. Definitely worth double-checking those numbers before diving in...
I ran into something similar a couple years back when I was shopping around. Got all excited about agreed-value coverage because my car's older and I figured it would protect me better. But when I actually sat down and did the math, the difference between agreed value and regular market value was surprisingly small. Like, small enough that it didn't justify the extra premium.
Ended up going with State Farm—not because they're perfect or anything, but their rates were decent and the local agent was easy to deal with. Farm Bureau had some tempting perks, but honestly, their paperwork was a hassle and I didn't feel like jumping through hoops every time I needed something simple.
Anyway, point is, don't just assume agreed-value coverage is automatically better. Sometimes it's just marketing fluff that sounds good until you crunch the numbers yourself.
I get what you're saying about agreed-value coverage, but did you factor in how hard it'd be to replace your car if something actually happened? I mean, market value can be pretty brutal on older cars...ask me how I know, haha. State Farm's been decent for me too, but honestly, I'm still tempted by Farm Bureau's roadside perks. Is their paperwork really that bad, or just annoying enough to make you reconsider?
Haha, Farm Bureau's paperwork isn't exactly a nightmare, but it can be annoyingly tedious at times—think DMV vibes but slightly friendlier. Honestly, roadside perks saved my butt more than once, so I get the appeal. State Farm's been solid, but they're pretty by-the-book with valuations, especially on older rides. Speaking of brutal market values...ever tried explaining custom upgrades to an adjuster? Fun times, lemme tell ya. 😂 Curious though, anyone had to actually use Farm Bureau's roadside recently? Wondering if they're still quick or if they've slipped a bit lately...
Had to use Farm Bureau's roadside about three months ago when my battery decided to peace out in the grocery store parking lot (perfect timing, right?). Honestly, they were pretty quick—maybe 25 mins tops. Driver was chill too, didn't even blink at my embarrassingly messy trunk. Paperwork-wise, though... yeah, still feels like filing taxes sometimes. But hey, I'll take tedious forms over arguing with adjusters about aftermarket rims any day.
