"Also, do you know how quickly each company processes claims? That could make a big difference if you're worried about being without a car for days..."
Yeah, that's a solid point. My cousin had State Farm and said their claim process was pretty smooth—like he had his rental sorted within a day or two. But then again, my neighbor swears by Farm Bureau because they handled his fender-bender super fast. Honestly though, as a student driver who's probably gonna ding something sooner rather than later (lol), I'm curious: does either company hike rates dramatically after minor claims?
My sister had Farm Bureau and got into a minor scrape last year—nothing major, just backed into a mailbox (classic move, right?). Anyway, she said the claim was handled pretty quickly, but her rates did go up noticeably afterward. Not crazy high, but enough to make her grumble about it. Makes me wonder if State Farm is similar or if they're more forgiving with first-time mishaps...
"Makes me wonder if State Farm is similar or if they're more forgiving with first-time mishaps..."
From what I've heard, State Farm does offer accident forgiveness options, especially for first-timers. But honestly, insurance companies always find a way to nudge rates up after any claim... might be worth calling an agent directly to get specifics.
I've heard similar things about State Farm, but honestly, accident forgiveness always seems to have some fine print attached. Has anyone had experience with Farm Bureau's forgiveness policy—is it actually forgiving or just marketing hype?
I've never personally used Farm Bureau, but from what I've gathered, accident forgiveness policies in general tend to come with strings attached. A friend of mine had Farm Bureau and thought their forgiveness policy was straightforward—until he realized it only kicked in after several years without incidents. So, while it might not be pure marketing hype, I'd definitely recommend reading the fine print closely. Sometimes these perks sound great until you actually need to use them...
