Farm Bureau Auto Insurance: Understanding Full Coverage Costs

Farm Bureau auto insurance is available to anyone who joins the Farm Bureau for an annual fee. The cost of membership depends on where you live, with the cheapest level, or associate membership, costing around $20 a year. Farm Bureau auto insurance rates vary depending on location and personal factors, but they are generally competitive and offer good value for money. For example, in Kentucky, Farm Bureau insurance was $1,234 cheaper for a good driver buying full coverage compared to the state average. Similarly, in Louisiana, it was $1,072 cheaper for full coverage for a good driver. Farm Bureau also offers a range of discounts and optional add-ons, such as roadside assistance and replacement cost coverage.

Farm Bureau membership and insurance eligibility

Anyone can join the Farm Bureau, although the cost of membership varies depending on location and occupation. Membership gives you access to Farm Bureau Insurance, as well as various other benefits and discounts.

The Farm Bureau is an agriculture association, and anyone can join for an annual fee. The cost of membership depends on where you live and your occupation. The cheapest level, often called associate membership, generally costs $20 a year. People who work in agriculture can pay more for a regular membership, which entitles them to vote within the American Farm Bureau Federation. Membership is available through your state’s Farm Bureau chapter.

One of the major perks of Farm Bureau membership is access to Farm Bureau Insurance. Farm Bureau members can buy insurance through one of several companies, depending on the state. In many states, a statewide Farm Bureau insurance company writes and sells its own policies. In states without a Farm Bureau insurance company, members can usually get discounted insurance rates at partner companies.

Farm Bureau membership also comes with a range of other benefits and discounts on goods and services. These vary by state but can include savings on hotels, rental cars, vehicles, retail items, agricultural equipment, and services, as well as entertainment and travel discounts.

Farm Bureau insurance rates

In many states, a statewide Farm Bureau insurance company writes and sells its own policies, while two regional Farm Bureau insurance companies serve ten additional states. In states without a Farm Bureau insurance company, members can usually get discounted insurance rates at partner companies, although the Farm Bureau's for Hawaii and Washington do not offer auto or home insurance options.

However, Farm Bureau insurance is not always the most affordable option. In North Carolina, for instance, Farm Bureau insurance rates were higher than the state average.

Farm Bureau insurance companies offer various types of coverage, including auto, homeowners, business, life, and health insurance. They also provide additional services such as emergency roadside assistance and rental reimbursement.

Farm Bureau membership also comes with discounts on a variety of goods and services, including hotel stays, rental cars, pharmacies, theme parks, and farm equipment.

Farm Bureau insurance discounts

Farm Bureau offers a range of insurance discounts to help you save money on your auto insurance. Here are some of the key Farm Bureau insurance discounts:

Driveology Program

This usage-based insurance program rewards safe driving habits such as avoiding harsh braking and phone use. You can save 10% just by signing up, with the opportunity for further savings over time.

Young Driver Safety Program

The Safe Young Driver discount is designed for drivers under 25. It gives inexperienced drivers a chance to build their skills and confidence while also saving money on car insurance.

Bundling Home and Auto Insurance

You can save money and time by bundling your car and home insurance with Farm Bureau. This option offers the convenience of one policy, one premium, and one deductible for all your covered possessions.

Good Student Discount

If your student driver maintains a "B" average or higher in school or is ranked in the top 20% of their class, they may qualify for a discount on their auto insurance.

Multiple Vehicle Discount

If you have more than one car in your household, you can save by bundling them onto your Farm Bureau Members Choice policy. This not only keeps everything in one place but also lowers the rate for each car.

Paid-in-Full Discount

You can earn a discount by paying your insurance policy in full at the beginning of your coverage term instead of paying periodically.

In addition to these discounts, Farm Bureau also offers a protective device discount for home security systems, a new roof discount for certain types of roofing materials, and a financial services discount when adding life insurance and annuities to your existing policies.

Farm Bureau insurance customer satisfaction

Farm Bureau Insurance has received mixed reviews from customers. While some customers have praised the company for its helpful and compassionate local agents, others have complained about issues with claims handling, coverage, pricing, and staff. Overall, the company seems to have a positive reputation for customer service, with some reviews highlighting its reliable, friendly, and attentive agents. However, there are also negative reviews, with some customers reporting problems with unresponsiveness, claim denials, and unexpected policy cancellations.

In terms of customer satisfaction ratings, Farm Bureau Insurance of Tennessee ranked first in the Southeast region in J.D. Power's 2023 Auto Insurance Study. Texas Farm Bureau Insurance ranked third in Texas, and Kentucky Farm Bureau Insurance ranked third in the Southeast region. According to the National Association of Insurance Commissioners, Texas Farm Bureau receives fewer complaints than average for a company of its size. It gets 88% fewer auto insurance complaints and 98% fewer home insurance complaints than competitors.

Farm Bureau Insurance offers a range of insurance products, including auto, home, farm/ranch, and life insurance. The company is known for its competitive rates and dependable customer service. However, it may not be the cheapest option, and it has limited upgrade options for home or auto policies. Farm Bureau also offers various discounts, such as multipolicy and multicar discounts, and safe driving discounts through its Driveology program.

Farm Bureau insurance customer complaints

While Farm Bureau Insurance has received generally positive reviews for its customer service, there are a number of customer complaints that can be found online.

ComplaintsBoard.com is a website where customers can post about their negative experiences with companies. A search for "Farm Bureau Insurance complaints" on this website yields several results, including complaints about unexpected rate increases, issues with claims handling, and poor customer service. For example, one customer complained that their rates increased significantly after their father, who had been a customer for 50 years, made a simple mistake. Another customer reported that Farm Bureau Insurance refused to cover damages to their home, resulting in emotional and financial stress for the affected owners.

The Better Business Bureau (BBB) is a non-profit consumer protection organization that accredits businesses based on their trustworthiness and responsiveness to customer complaints. The BBB website contains a mix of positive and negative reviews for Farm Bureau Insurance. Positive reviews highlight the helpful and compassionate nature of Farm Bureau Insurance's agents, while negative reviews cite issues with claims handling, customer service, and unexpected charges. For instance, one customer complained that Farm Bureau Insurance failed to provide coverage for damages incurred, resulting in delays and financial hardship. Another customer reported issues with cancelling their policy and receiving a refund for the cancelled auto policy.

ConsumerAffairs.com is a website that provides consumer news, recalls, and reviews of companies and products. The website contains a mix of positive and negative reviews for Farm Bureau Insurance, with some customers reporting issues with claims handling, customer service, and unexpected cancellations. One customer, for instance, complained that Farm Bureau Insurance refused to cover damages to their vehicle, resulting in additional expenses and inconvenience. Another customer reported that their policy was cancelled shortly after an accident, despite having a clean driving record.

In summary, while Farm Bureau Insurance has received positive reviews for its customer service and affordable rates, there are also a number of customer complaints that highlight issues with claims handling, unexpected rate increases and cancellations, and poor customer service. These complaints are spread across various online platforms, including complaints boards, consumer review websites, and non-profit consumer protection organizations.

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