Farm Bureau vs National General Car Insurance for 2024

Are you currently in the market for a new car insurance policy? If so, you may be considering two popular options: Farm Bureau and National General car insurance.

Both companies offer competitive rates and a wide range of coverage options, but which one is the best for you?

Before we dive into the details of each company, here are three interesting attributes that make them stand out:

• Farm Bureau car insurance is specifically designed for rural drivers and farmers, offering unique coverage options tailored to their needs.
• National General Car Insurance offers a low down payment option for customers who need to get insured quickly and can’t afford a large upfront payment.
• Both companies have strong financial ratings from reputable organizations like A.M. Best, indicating their financial stability and ability to pay out claims.

In this article, we will compare and contrast the key features of Farm Bureau car insurance and National General car insurance, so that you can make an informed decision.

History and Mission

Farm Bureau car insurance was founded in 1939 in Des Moines, Iowa. It started as a small insurance company offering coverage to farmers and rural residents, but over the years it has grown to become one of the largest insurance providers in the country, with coverage options for all drivers. The company’s mission is to provide affordable and reliable insurance to its policyholders, with a focus on personalized service and community involvement.

National General car insurance, on the other hand, has a more recent history. It was founded in 1920 as a motor vehicle finance company, but over the years it has evolved into a full-service insurance provider. The company’s mission is to offer innovative insurance solutions that meet the needs of today’s drivers, with a focus on simplicity, affordability, and convenience.

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Products and Services

Both Farm Bureau and National General car insurance offer a wide range of coverage options, including liability, collision, comprehensive, uninsured motorist, and personal injury protection. They also offer additional coverage options, such as roadside assistance, rental car reimbursement, and gap insurance. However, there are some key differences between the two companies.

Farm Bureau car insurance offers unique coverage options tailored to the needs of rural drivers and farmers, such as coverage for farm equipment, livestock, and farm liability. They also offer a membership program that provides additional benefits to policyholders, such as discounts on travel, dining, and shopping.

National General car insurance, on the other hand, offers a low down payment option for customers who need to get insured quickly and can’t afford a large upfront payment. They also offer a variety of discounts for safe driving, good grades, and multiple policies, as well as a mobile app that allows customers to manage their policies and file claims.

Cost and Availability

The cost of car insurance varies depending on several factors, including the type of coverage you need, your driving record, and the state where you live. Farm Bureau and National General Car Insurance both offer competitive rates, but the cost can vary depending on the specific policy and coverage options you choose.

Farm Bureau car insurance is available in 14 states, primarily in the Midwest and Southeast, while National General car insurance is available in all 50 states. However, the specific coverage options and discounts may vary by state.

Discounts Offered

Both Farm Bureau and National General Car Insurance offer a variety of discounts to their customers, which can help lower the cost of your car insurance policy. Here’s a closer look at the discounts offered by each company:

Farm Bureau Car Insurance Discounts

• Multi-Policy Discount: If you bundle your car insurance policy with another Farm Bureau insurance policy (such as home or life insurance), you may be eligible for a discount on both policies.
• Safe Driving Discount: If you maintain a clean driving record for a certain period (usually three years), you may be eligible for a discount on your car insurance premiums.
• Good Student Discount: If you are a student who maintains a certain grade point average (usually a 3.0 or higher), you may be eligible for a discount on your car insurance premiums.
• Driver Training Discount: If you complete a driver training course (usually approved by the state), you may be eligible for a discount on your car insurance premiums.
• Vehicle Safety Discount: If your car is equipped with certain safety features (such as airbags, anti-lock brakes, or a backup camera), you may be eligible for a discount on your car insurance premiums.
• Membership Discount: As mentioned earlier, Farm Bureau offers a membership program that provides additional benefits to policyholders. Depending on the state where you live, you may be eligible for a discount on your car insurance premiums just for being a member of the Farm Bureau.

National General Car Insurance Discounts:

• Safe Driver Discount: If you have a clean driving record with no accidents or violations in the past 3 years, you may qualify for this discount.
• Multi-Vehicle Discount: If you insure more than one vehicle with National General, you may be eligible for a discount on your car insurance.
• Low Mileage Discount: If you don’t drive your car very often, you may be eligible for a discount on your car insurance.
• Paid in Full Discount: If you pay your premium in full upfront, you may qualify for a discount.
• Good Student Discount: If you’re a student under the age of 25 and maintain a “B” average or better, you may be eligible for this discount.
• Homeowner Discount: If you own a home, you may qualify for a discount on your car insurance.

It’s important to note that the specific discounts and eligibility requirements may vary by state and policy. To find out more about the discounts available to you, it’s best to contact a representative from the company or visit their website. Additionally, it’s worth shopping around and comparing rates from multiple car insurance providers to ensure that you’re getting the best deal possible.

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Case Studies: Farm Bureau vs. National General Car Insurance

Case Study 1: John’s Coverage Comparison

John, a resident of Iowa, was in search of an insurance provider that could cater to his specific needs as a farmer. He decided to compare Farm Bureau and National General car insurance to see which company offered better coverage options for his farm equipment and liability concerns.

Case Study 2: Sarah’s Cost and Availability Analysis

Sarah, a driver living in a state where both Farm Bureau and National General car insurance are available, wanted to find the most cost-effective option. She conducted a thorough analysis of the rates, discounts, and availability of both companies to determine which one offered the best value for her money. 

Case Study 3: Customer Reviews – Amy and Mark’s Experiences

Amy and Mark, two individuals with different insurance needs, share their experiences with Farm Bureau and National General Car Insurance. This case study delves into their customer reviews, highlighting the positive and negative aspects of each company’s customer service, claims processing, and overall satisfaction. It aims to provide a balanced view of the customer feedback for both the Farm Bureau and the National General.

Seamless Claims Process With Farm Bureau vs. National General

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Farm Bureau and National General car insurance companies offer multiple channels for filing insurance claims. Both companies provide convenient online claim submission options, allowing policyholders to report accidents and damages through their official websites or dedicated mobile apps.

Additionally, they offer traditional methods such as phone support for those who prefer speaking directly with a representative. The availability of user-friendly mobile apps enhances the overall claim-filing experience.

Average Claim Processing Time

The speed at which an insurance company processes claims is a crucial factor for policyholders. Farm Bureau and National General strive to expedite the claim settlement process to minimize disruptions for their customers. While specific processing times may vary depending on the complexity of the claim, both companies aim to provide efficient and timely service to ensure that policyholders receive the assistance they need promptly.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a vital role in assessing the performance of insurance companies. Both Farm Bureau and National General have received mixed reviews from customers regarding their claim resolutions and payouts.

While many policyholders have expressed satisfaction with the claim settlement process, some have reported challenges and concerns. Prospective customers need to consider these factors when evaluating the claim-handling capabilities of these insurers.

Exploring Farm Farm Bureau vs. National General Cutting-Edge Digital and Technological Features

Mobile App Features and Functionality

Farm Bureau and National General car insurance companies offer mobile apps designed to simplify policy management and enhance the customer experience. These apps provide features such as policy access, digital ID cards, claim filing, and bill payment.

Policyholders can conveniently manage their insurance policies, access important documents, and stay connected with their respective insurance providers through these mobile applications.

Online Account Management Capabilities

Both Farm Bureau and National General recognize the importance of online account management in today’s digital age. They offer robust online portals that allow policyholders to access and manage their insurance accounts.

Customers can update personal information, review policy details, make payments, and even request policy changes through these secure online platforms. This flexibility empowers policyholders to have greater control over their insurance policies.

Digital Tools and Resources

To support their customers, Farm Bureau and National General provide a range of digital tools and resources. These may include educational materials, coverage calculators, and risk assessment tools to help policyholders make informed decisions about their insurance needs. Additionally, both companies may offer online resources to assist with claims processing, including step-by-step guides and frequently asked questions (FAQs).

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Customer Feedbacks

Customer reviews can be a valuable source of information when you’re trying to decide which car insurance company to go with. Here’s a summary of customer reviews for Farm Bureau and National General car insurance:

Farm Bureau Car Insurance Reviews:

Overall, Farm Bureau car insurance has received mixed reviews from customers. On the positive side, many customers appreciate the personalized service they receive from their local Farm Bureau agent. Customers also report that Farm Bureau’s rates are often lower than those of other insurance companies. However, some customers have complained about poor customer service, difficulty getting claims processed, and unexpected rate increases.

National General Car Insurance has also received mixed reviews from customers. On the positive side, customers appreciate National General’s competitive rates and the variety of discounts available. Some customers also report that the National General’s claims process is relatively quick and easy. However, some customers have complained about poor customer service and difficulty getting claims processed.

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