Auto insurance is an essential part of driving, and it’s vital to choose the right provider to protect yourself and your vehicle. Farm Bureau Insurance Auto is a well-known insurance company that provides excellent coverage options to its customers. In this guide, we’ll take a deep dive into everything you need to know about Farm Bureau Insurance Auto, including its coverage options, rates, reviews, and more.
What is Farm Bureau Insurance Auto?
Farm Bureau Insurance Auto is a part of Farm Bureau Insurance, which offers a variety of insurance products such as home insurance, life insurance, health insurance, and more. The company is based in Michigan and serves customers in several states, including Colorado, Idaho, Indiana, Kansas, Michigan, Minnesota, Montana, North Dakota, North Carolina, South Carolina, Utah, Wisconsin, and Wyoming.
Farm Bureau Insurance Auto provides coverage for cars, trucks, motorcycles, and other vehicles. The company offers several types of coverage, including liability coverage, collision coverage, comprehensive coverage, underinsured/uninsured motorist coverage, and personal injury protection.
One of the unique things about Farm Bureau Insurance Auto is that it’s a membership-based organization. To become a member, you need to join the Farm Bureau organization in your state. Once you’ve become a member, you’re eligible for various discounts and benefits when you purchase an auto insurance policy.
Membership Benefits
As a member of the Farm Bureau organization, you’ll have access to the following benefits:
Benefits |
Description |
|---|---|
Discounts |
Members are eligible for various discounts on auto insurance policies. |
Advocacy |
The Farm Bureau organization advocates for members on issues related to agriculture, rural areas, and more. |
Community Involvement |
Members can participate in various community events and activities. |
Coverage Options
Farm Bureau Insurance Auto offers several types of coverage options to its customers, including:
Liability Coverage
Liability coverage is a mandatory requirement in most states. It provides coverage if you’re at fault for an accident and cause injuries to other people or damage to their property. Farm Bureau Insurance Auto offers liability coverage with the following limits:
Limit Type |
Minimum Limit |
Maximum Limit |
|---|---|---|
Bodily Injury Liability (per person) |
$25,000 |
$500,000 |
Bodily Injury Liability (per accident) |
$50,000 |
$500,000 |
Property Damage Liability |
$25,000 |
$500,000 |
Collision Coverage
Collision coverage provides coverage for damage to your vehicle when you’re at fault for an accident. Farm Bureau Insurance Auto offers collision coverage with a deductible of your choice, ranging from $100 to $2,500.
Comprehensive Coverage
Comprehensive coverage provides coverage for damage to your vehicle that’s not caused by a collision, such as theft, vandalism, or weather-related damage. Farm Bureau Insurance Auto offers comprehensive coverage with a deductible of your choice, ranging from $100 to $2,500.
Underinsured/Uninsured Motorist Coverage
Underinsured/uninsured motorist coverage provides coverage if you’re involved in an accident with someone who doesn’t have insurance or has insufficient coverage to pay for damages. Farm Bureau Insurance Auto offers underinsured/uninsured motorist coverage with the following limits:
Limit Type |
Minimum Limit |
Maximum Limit |
|---|---|---|
Bodily Injury Liability (per person) |
$25,000 |
$500,000 |
Bodily Injury Liability (per accident) |
$50,000 |
$500,000 |
Personal Injury Protection
Personal injury protection provides coverage for medical expenses, lost wages, and other expenses related to an accident, regardless of who’s at fault. Farm Bureau Insurance Auto offers personal injury protection with the following limits:
Limit Type |
Minimum Limit |
Maximum Limit |
|---|---|---|
Medical Expenses |
$5,000 |
$100,000 |
Income Loss |
$5,000 |
$100,000 |
Funeral Expenses |
$1,750 |
$10,000 |
Rates
The rates for Farm Bureau Insurance Auto vary depending on several factors such as the state you live in, the type of vehicle you have, your driving history, and more. However, the company offers various discounts that can help you save money on your auto insurance policy.
Discounts
Here are some of the discounts that are available to members of the Farm Bureau organization:
Discount Type |
Description |
|---|---|
Multi-Policy Discount |
Get a discount if you have multiple policies with Farm Bureau Insurance. |
Good Student Discount |
Get a discount if you’re a student with good grades. |
Safe Driver Discount |
Get a discount if you have a clean driving record. |
Affinity Group Discount |
Get a discount if you’re a member of an affinity group such as a credit union or a professional organization. |
Overall, Farm Bureau Insurance Auto offers competitive rates and various discounts that can help you save money on your auto insurance policy.
Reviews
When choosing an auto insurance provider, it’s essential to consider their reputation and customer reviews. Here’s what some customers have to say about Farm Bureau Insurance Auto:
Positive Reviews
“I’ve been a member of the Farm Bureau organization for several years, and I’ve always been impressed with their service. When I got into an accident last year, the claims process was smooth and hassle-free. I highly recommend Farm Bureau Insurance Auto to anyone looking for reliable coverage.”
“I’ve had Farm Bureau Insurance Auto for over a year now, and I’m very satisfied with their rates and coverage options. The staff is friendly and knowledgeable, and they always answer my questions promptly.”
Negative Reviews
“I had an issue with my billing that took several weeks to resolve. The customer service representatives were unhelpful and seemed uninterested in resolving my issue.”
“I had an accident last month, and I was disappointed with the way the claims process was handled. It took several weeks to get my vehicle repaired, and I felt like I was left in the dark about the progress of my claim.”
FAQ
Is Farm Bureau Insurance Auto available in all states?
No, Farm Bureau Insurance Auto is only available in select states. You’ll need to check if the company operates in your state before applying for coverage.
Do I need to be a member of the Farm Bureau organization to get coverage?
Yes, Farm Bureau Insurance Auto is a membership-based organization, and you’ll need to become a member to be eligible for coverage.
What types of vehicles does Farm Bureau Insurance Auto cover?
Farm Bureau Insurance Auto covers cars, trucks, motorcycles, and other vehicles.
What discounts are available to members of the Farm Bureau organization?
Members of the Farm Bureau organization are eligible for various discounts such as multi-policy discount, good student discount, safe driver discount, and more.
How do I file a claim with Farm Bureau Insurance Auto?
You can file a claim with Farm Bureau Insurance Auto by calling their claims department or by submitting a claim online through their website.
In conclusion, Farm Bureau Insurance Auto is an excellent choice for those looking for reliable and affordable coverage options. As a member of the Farm Bureau organization, you’ll have access to various discounts and benefits that can help you save money on your auto insurance policy. With their competitive rates and excellent customer service, Farm Bureau Insurance Auto is a top contender in the auto insurance industry.