"Farm Bureau can be hit or miss depending on your agent."
Yeah, that's been my experience too. As someone with a less-than-perfect driving record, consistency matters—but honestly, sometimes those smaller outfits surprise you. Anyone know how forgiving either company is with high-risk drivers?
Yeah, totally agree—Farm Bureau can be a gamble. Step one: cross fingers. Step two: pray your agent has a sense of humor. Seriously though, State Farm surprised me once by not totally wrecking my wallet after a speeding ticket... might be worth checking out?
I've bounced between a few insurers over the years, and honestly, both Farm Bureau and State Farm have their quirks. Here's my quick take:
- Farm Bureau can be hit or miss depending on your local agent. Had one who was super helpful, another who seemed annoyed every time I called. Luck of the draw, I guess.
- State Farm was decent price-wise, especially after a minor fender-bender. They didn't jack up my rates as much as I expected, which was a pleasant surprise.
- One thing to keep in mind: State Farm tends to have more consistent customer service across the board, at least in my experience. Farm Bureau feels more localized, so your mileage may vary.
Something else to consider—have you looked into bundling home/renters insurance with your auto? I saved a decent chunk doing that with State Farm. Curious if anyone else has had luck bundling policies to cut costs...
Totally agree about Farm Bureau being hit or miss depending on the agent. Had a client recently who switched away from them because the local rep was hard to reach when they needed help with a claim. State Farm does tend to have smoother customer service overall, but I've seen Farm Bureau beat them out on price in rural areas sometimes. Curious—did you check into any discounts for things like safe driving apps or defensive driving courses? Those can shave off a few bucks too...
Good points on the discounts—I saved about $40 last renewal with State Farm's safe driver app. Farm Bureau was tempting for the lower rates, but reliability during claims is huge for me. Sounds like you're on the right track weighing both sides carefully...
