Farm Bureau Auto Insurance: Everything You Need to Know

Auto insurance is an essential part of owning a car, and many drivers turn to Farm Bureau Auto Insurance for coverage. In this article, we will go over the basics of Farm Bureau Auto Insurance, including coverage options, discounts, and claims process.

What is Farm Bureau Auto Insurance?

Farm Bureau Auto Insurance is a type of car insurance that is offered by Farm Bureau Insurance companies. These companies are unique in that they are often state-specific and have a close relationship with the state Farm Bureau organization.

The Farm Bureau organization was created in the early 20th century to provide support and resources for farmers and their families. Over time, the organization expanded to offer insurance to its members, and today, Farm Bureau Insurance companies offer a wide range of insurance products, including auto insurance.

What States Offer Farm Bureau Auto Insurance?

As mentioned above, Farm Bureau Auto Insurance is often state-specific. There are currently 14 states that offer Farm Bureau auto insurance, including:

State	Website
Alabama	www.alfafarmers.org/insurance
Arizona	www.azfb.org/insurance
Arkansas	www.afbic.com
Colorado	www.cfbs.org
Florida	www.floridafarmbureau.com/insurance
Georgia	www.gfbinsurance.com
Idaho	www.idahofb.org/insurance
Indiana	www.infarmbureau.com
Iowa	www.iowafarmbureau.com
Kansas	www.kfb.org/insurance
Kentucky	www.kyfb.com/insurance
Michigan	www.farmbureauinsurance-mi.com
Minnesota	www.fbfs.com
Mississippi	www.msfbins.com

Coverage Options

Farm Bureau Auto Insurance offers a variety of coverage options to meet the needs of drivers. These options include:

Liability Coverage

Liability coverage is required in most states and covers the cost of damages and injuries to others if you are at fault in an accident. Farm Bureau Auto Insurance offers both bodily injury liability and property damage liability coverage.

Collision Coverage

Collision coverage covers the cost of damages to your vehicle if you are in an accident, regardless of who is at fault. This coverage is typically required if you have a loan or lease on your vehicle.

Comprehensive Coverage

Comprehensive coverage covers the cost of damages to your vehicle that are not caused by an accident, such as theft, vandalism, or weather-related damage.

Personal Injury Protection

Personal injury protection (PIP) is a type of coverage that pays for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage covers the cost of damages and injuries if you are in an accident with a driver who does not have adequate insurance coverage.

Discounts

Farm Bureau Auto Insurance offers several discounts to help drivers save money on their premiums. These discounts include:

Multi-Policy Discount

If you have multiple insurance policies with Farm Bureau Insurance, such as home and auto, you can receive a discount on your premiums.

Safe Driver Discount

If you have a clean driving record and have not been in an accident in the past few years, you may be eligible for a safe driver discount.

Good Student Discount

If you are a student and maintain good grades, you may be eligible for a good student discount.

Defensive Driving Course Discount

If you have completed a defensive driving course, you may be eligible for a discount on your premiums.

Claims Process

If you need to file a claim with Farm Bureau Auto Insurance, the process is straightforward. You can file a claim online, over the phone, or in person at a local office. Once your claim is filed, a claims adjuster will be assigned to assess the damages and determine coverage.

If your claim is approved, Farm Bureau Auto Insurance will cover the cost of repairs or replacement, up to the limits of your policy. If you need to pay a deductible, this will be outlined in your policy.

FAQ

How do I get a quote for Farm Bureau Auto Insurance?

You can get a quote for Farm Bureau Auto Insurance by visiting the website of your state’s Farm Bureau insurance company or by contacting a local agent.

Is Farm Bureau Auto Insurance only for farmers?

No, Farm Bureau Auto Insurance is available to anyone who lives in a state where it is offered. While these companies often have a close relationship with the Farm Bureau organization, membership is not required to purchase insurance.

What happens if I don’t have insurance and get in an accident?

If you are at fault in an accident and do not have insurance, you may be held responsible for the cost of damages and injuries. This can be a significant financial burden, and it is always recommended to have adequate insurance coverage in case of an accident.

What should I do if I am in an accident?

If you are in an accident, the first priority is to make sure everyone is safe and call for medical assistance if necessary. You should also exchange information with the other driver, including insurance information, and take pictures of the damage and the scene of the accident. Finally, you should contact your insurance company to file a claim.

Can I change my coverage options after I purchase a policy?

Yes, you can change your coverage options at any time by contacting your Farm Bureau Auto Insurance agent.

What if my vehicle is totaled?

If your vehicle is deemed a total loss, Farm Bureau Auto Insurance will pay the actual cash value of your vehicle, up to the limits of your policy. If you have a loan or lease on your vehicle, this payment will be made to your lender or leasing company.

Conclusion

Farm Bureau Auto Insurance offers a variety of coverage options and discounts to meet the needs of drivers. Whether you are a farmer or not, if you live in a state where Farm Bureau Auto Insurance is offered, it is worth considering as an option for your car insurance needs. Remember to always drive safely and have adequate insurance coverage in case of an accident.