Farm Bureau vs Root Car Insurance for 2023
Comparing two stalwarts in the car insurance arena, Farm Bureau and Root Car Insurance, this article provides a detailed examination of their offerings, strengths, and unique features, guiding readers towards an informed decision in the complex landscape of auto insurance.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Nov 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Navigating the complex terrain of car insurance rates becomes a seamless journey with our comprehensive data analysis comparing leading companies. Unveiling the intricate interplay of factors such as credit score, mileage, coverage level, and driving record, this guide sheds light on the standout performer in tailoring advantageous rates for diverse customer profiles. Whether you prioritize pristine driving records, seek extensive coverage, or aim to balance costs with mileage considerations, our data-driven insights will direct you to the insurance provider that aligns perfectly with your specific needs. Join us on a succinct exploration of the nuanced world of auto insurance rates, where informed decisions are not just possible but empowered.
| Factor | Farm Bureau | Root |
|---|---|---|
| Clean Record | $80 | $43 |
| 1+ Ticket | $100 | $105 |
| 1+ Accident | $120 | $127 |
| DUI | $140 | $130 |
| Poor Credit | $138 | $74 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Farm Bureau | Root |
|---|---|---|
| Safe Driver | 8% | 7% |
| Low Mileage | 11% | 8% |
| Anti Theft | 9% | 6% |
| Paperless | 7% | 9% |
| Senior Driver | 16% | 10% |
| Good Student | 12% | 12% |
Farm Bureau Car Insurance
Pros:
- Established in 1939, a reputable and experienced company.
- Offers a wide range of insurance products beyond car insurance.
- Presence in 14 states.
- Various discounts available, including multi-car and safe driver discounts.
Cons:
- Limited digital features compared to newer companies.
- Coverage and rates might vary by state.
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Root Car Insurance
Pros:
- Innovative approach using telematics for usage-based insurance.
- Available in 30 states.
- Emphasizes fair and personalized insurance rates based on driving behavior.
- Discounts for safe driving and good student performance.
Cons:
- Limited history and potentially less experience in claim handling.
- Coverage heavily relies on tracking driving habits.
Best Car Insurance Company: Root Car Insurance
Company History and Mission
Farm Bureau was established in 1939 and has since grown to become one of the largest and most reputable insurance companies in the United States. The company’s mission is to provide its customers with personalized service and products that protect their assets and futures.
Root Car Insurance, on the other hand, is a relatively new insurance company that was established in 2015. The company’s mission is to make car insurance fair and accessible to everyone by using data and technology to provide personalized and affordable coverage.
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Products and Services
Farm Bureau offers a wide range of insurance products, including car insurance, homeowners insurance, life insurance, and business insurance. The cost of their services varies depending on the state you reside in and the coverage options you choose.
Farm Bureau operates in 14 states across the country, including Arkansas, Colorado, Florida, Iowa, Kansas, Louisiana, Minnesota, Mississippi, Nebraska, New Mexico, North Carolina, South Carolina, Tennessee, and Texas.
Root Car Insurance offers usage-based insurance policies, which means your premiums are based on your driving behavior. The company uses telematics to track your driving behavior and calculate your premiums accordingly.
Root Car Insurance is available in 30 states across the country, including Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and West Virginia.
Discounts and Qualifications
Farm Bureau offers a range of discounts to their customers, including safe driver discounts, multi-car discounts, and bundling discounts for customers who purchase multiple policies from them. To qualify for these discounts, you need to have a good driving record and maintain a clean driving history.
Root Car Insurance also offers discounts to their customers, including safe driver discounts, good student discounts, and discounts for drivers who complete their test drive program. To qualify for these discounts, you need to maintain a good driving record and demonstrate safe driving habits.
Case Studies: Farm Bureau vs. Root Car Insurance
Case Study 1: John’s Experience With Farm Bureau Car Insurance
John, a resident of Florida, decided to explore his car insurance options and chose Farm Bureau as his provider. He was attracted to Farm Bureau’s reputation for personalized service and their wide range of insurance products. John opted for a comprehensive coverage plan that included car insurance, homeowners insurance, and life insurance.
Case Study 2: Sarah’s Experience With Root Car Insurance
Sarah, a young driver from Colorado, wanted a car insurance policy that would reflect her driving behavior and offer affordable rates. After researching her options, she decided to try Root Car Insurance. Root’s usage-based insurance policy caught Sarah’s attention, as it offered premiums based on her driving habits.
Case Study 3: Maria’s Experience With Farm Bureau and Root Car Insurance
Maria, a resident of Texas, was in search of a new car insurance provider that offered both comprehensive coverage and affordable rates. She decided to compare Farm Bureau and Root Car Insurance to make an informed decision. She opted for a car insurance policy that included additional coverage for her business vehicles.
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Farm Bureau vs Root: A Detailed Comparison of Claims Process for Better Search
Ease of Filing a Claim (online, over the phone, mobile apps)
Both Farm Bureau and Root Car Insurance offer convenient options for filing claims. Farm Bureau allows customers to file claims either online through their website or by contacting a local agent. Root Car Insurance, on the other hand, provides a mobile app that allows users to easily file claims using their smartphones.
Average Claim Processing Time
Farm Bureau has garnered a positive reputation for efficiently handling claims. While specific average claim processing times may vary, customers generally report prompt and timely processing. Root Car Insurance, being a relatively new player, aims for efficient and speedy claims processing to enhance customer satisfaction.
Customer Feedback on Claim Resolutions and Payouts
Farm Bureau has a history of delivering satisfactory claim resolutions and payouts, garnering a good reputation for customer service. Feedback suggests that customers are content with the way their claims are handled and resolved. Root Car Insurance, although newer, has received positive feedback regarding its claim resolutions and payouts, showcasing its commitment to providing satisfactory claim experiences for its policyholders.
Farm Bureau vs Root: Exploring Digital and Technological Features for Informed Choices
Mobile App Features and Functionality
Farm Bureau offers a user-friendly mobile app that allows customers to manage their policies, access important documents, and even file claims seamlessly. Root Car Insurance takes advantage of technology with a dedicated mobile app that not only allows policy management but also tracks driving behavior to offer personalized insurance rates based on actual driving habits.
Online Account Management Capabilities
Both Farm Bureau and Root Car Insurance provide comprehensive online account management capabilities. Customers can access their accounts online to review policies, make payments, update information, and track claim statuses. The online platforms of both companies are designed to provide a smooth and intuitive experience for users.
Digital Tools and Resources
Farm Bureau integrates various digital tools and resources into its online platform, offering educational materials, insurance calculators, and other resources to help customers make informed decisions about their insurance coverage.
Root Car Insurance utilizes advanced digital tools to track driving behavior and provide personalized insurance rates based on real-time data, aligning with their mission to make car insurance fair and accessible.
Customer Reviews
Farm Bureau has an excellent reputation for providing excellent customer service and handling claims promptly and efficiently. According to a recent survey conducted by J.D. Power, Farm Bureau ranked above average in overall customer satisfaction.
Root Car Insurance, being a relatively new company, doesn’t have as much data to go off of. However, customer reviews have generally been positive, with many customers praising the company’s usage-based insurance policies and affordable rates.
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Frequently Asked Questions
How can I purchase insurance from the Farm Bureau?
You can purchase insurance from Farm Bureau by contacting a local agent or visiting their website.
What is usage-based insurance?
Usage-based insurance is a type of car insurance policy where your premiums are based on your driving behavior.
What discounts does Root Car Insurance offer?
Root Car Insurance offers a range of discounts, including safe driver discounts, good student discounts, and discounts for drivers who complete their test drive program.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.