Farm Bureau vs Safety Insurance Car Insurance for 2023
Farm Bureau and Safety Insurance, two titans in the car insurance industry, vie for prominence with a spectrum of coverage options and discounts, tailored to diverse customer needs.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.
On This Page
Our meticulous examination of auto insurance rates from Farm Bureau and Safety Insurance reveals intriguing insights into how various factors influence premiums. For customers with a pristine driving record, Safety takes the lead with a monthly rate of $54 compared to Farm Bureau’s $80. However, the competitive landscape shifts for those with a single ticket, accident, or DUI, where Farm Bureau consistently offers more affordable rates.
| Factor | Farm Bureau | Safety |
|---|---|---|
| Clean Record | $80 | $54 |
| 1+ Ticket | $100 | $66 |
| 1+ Accident | $120 | $77 |
| DUI | $140 | $107 |
| Poor Credit | $138 | $93 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Farm Bureau | Safety |
|---|---|---|
| Safe Driver | 8% | 10% |
| Low Mileage | 11% | 7% |
| Anti Theft | 9% | 20% |
| Paperless | 7% | 5% |
| Senior Driver | 16% | 20% |
| Good Student | 12% | 20% |
Farm Bureau Car Insurance
Pros:
- Extensive Coverage: Offers a wide range of coverage options including liability, collision, comprehensive, and specialized coverage for specific demographics like military personnel.
- Discounts: Provides various discounts, particularly for military personnel and optional coverage for roadside assistance.
- Positive Customer Feedback: Generally positive reviews regarding affordability, customer service, and claim processing.
- Experienced Agents: The review content showcases experienced and licensed agents providing guidance and support to customers.
Cons:
- Limited Case Studies: The provided case studies are limited, making it hard to grasp a comprehensive understanding of the company’s coverage in various scenarios.
- Specific Geographic Coverage: Information suggests they might have limited coverage areas, which might be a drawback for those outside those areas.
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Safety Insurance Car Insurance
Pros:
- Teen Driver Programs: Offers specialized programs for young drivers, potentially catering well to new or younger drivers’ needs.
- Discounts for Seniors: Provides discounts for senior citizens who have completed specific driving courses, addressing the needs of an older demographic.
- Positive Customer Feedback: Similar to Farm Bureau, it has positive reviews for competitive rates, claims handling, and helpful agents.
- Online and Digital Tools: Offers user-friendly mobile apps and online account management capabilities.
Cons:
- Limited Details: The review provides limited information about the company’s overall coverage and specific discounts offered.
- Geographic Limitations: Like the Farm Bureau, it might have limitations in terms of coverage area.
Farm Bureau: A Comprehensive Solution
Farm Bureau distinguishes itself by offering a broad range of coverage options, encompassing liability, collision, and comprehensive coverage. Notably, the company goes beyond the standard offerings, tailoring services to specific demographics like military personnel.
The inclusion of specialized discounts and optional coverage for roadside assistance underscores Farm Bureau’s commitment to meeting diverse customer needs.
Customer Feedback Reinforces Reliability
Positive customer feedback reinforces Farm Bureau’s reliability, with customers praising the company for affordability, excellent customer service, and efficient claims processing. The presence of experienced and licensed agents further solidifies the Farm Bureau’s commitment to providing guidance and support.
Safety Insurance: Commendable Yet Limited
Safety Insurance presents commendable features, including tailored programs for young and senior drivers. However, it falls short in comparison to Farm Bureau when it comes to the depth and breadth of offerings. Both companies face potential limitations in coverage areas, suggesting a similar geographical drawback.
Company History and Mission
Farm Bureau is a group of insurance companies that provide a range of insurance products, including car insurance, home insurance, life insurance, and more. The company was founded in 1939 with a mission to protect the livelihoods and futures of its customers by providing them with affordable insurance products.
Safety Insurance, on the other hand, was founded in 1979 and is a property and casualty insurance company. The company’s mission is to provide its customers with affordable and comprehensive insurance products, including car insurance, home insurance, and business insurance.
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Products and Services
Both Farm Bureau and Safety Insurance offer a variety of car insurance products and services to their customers. Farm Bureau offers liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. In addition, the company provides optional coverage for roadside assistance, rental car reimbursement, and accidental death and dismemberment coverage.
Safety Insurance offers similar products and services, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. The company also offers a specialized program for teen drivers that includes a series of safe driving courses to help young drivers become safer on the road.
Farm Bureau and Safety Insurance Discounts
Farm Bureau offers a variety of discounts to its customers, including:
- Safe driver discounts
- Multi-car discounts
- Homeowner discounts
- New graduate discounts
- Good student discounts
Safety Insurance also offers a variety of discounts to its customers, including:
- Safe driver discounts
- Multi-car discounts
- Anti-theft discounts
- Good student discounts
- Driver training discounts
Comparative Case Studies: Farm Bureau vs. Safety Insurance Car Insurance
Case Study 1: Smith Family’s Car Insurance
The Smith family, residing in a suburban area, sought car insurance coverage that offered comprehensive protection and affordable rates. They compared quotes from both Farm Bureau and Safety Insurance and analyzed the benefits and discounts offered by each provider. The Smiths ultimately chose Farm Bureau due to its competitive rates, excellent customer service, and comprehensive coverage options.
Case Study 2: Young Driver’s Car Insurance
Emma, a newly licensed driver, was looking for car insurance coverage that catered to her needs as a young driver. She considered both Farm Bureau and Safety Insurance and examined their specialized programs for teen drivers. After careful evaluation, Emma selected Safety Insurance, as their program included safe driving courses to help her develop responsible driving habits.
Case Study 3: Military Personnel’s Car Insurance
John, a retired military personnel, was seeking car insurance that offered specific discounts for veterans. He compared the offerings of both Farm Bureau and Safety Insurance and discovered that Farm Bureau provided discounts for active duty, retired, and reserve military members. As a result, John decided to choose Farm Bureau for his car insurance needs.
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Effortless Claims Handling With Farm Bureau vs. Safety Insurance
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
When it comes to filing a claim with Farm Bureau and Safety Insurance, both companies offer multiple convenient options for their policyholders. Customers can choose to file their insurance claims through online portals, over the phone, or by utilizing mobile apps. This flexibility ensures that policyholders can select the method that best suits their preferences and needs.
Average Claim Processing Time
One of the critical factors to consider when evaluating an insurance provider is the average claim processing time. Both Farm Bureau and Safety Insurance strive to expedite claim processing to provide quick assistance to their customers during stressful times.
While specific processing times may vary depending on the complexity of the claim, both companies are committed to efficient and timely resolutions.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable in assessing an insurance provider’s performance. In the case of Farm Bureau and Safety Insurance, customers have generally reported positive experiences with their claim resolutions and payouts.
Policyholders appreciate the ease of communication and promptness in addressing their claims. These positive customer reviews reflect the commitment of both companies to deliver reliable claim resolutions.
Exploring Farm Bureau vs. Safety Insurance Digital and Technological Innovations
Mobile App Features and Functionality
In today’s digital age, insurance companies recognize the importance of mobile apps in providing convenience to their customers. Farm Bureau and Safety Insurance have developed user-friendly mobile apps that offer a range of features and functionalities.
These apps enable policyholders to access their insurance information, file claims, make payments, and even receive real-time updates on their policies, all from the palm of their hand.
Online Account Management Capabilities
Online account management is a crucial aspect of insurance services. Both Farm Bureau and Safety Insurance provide their policyholders with robust online account management capabilities.
Customers can log in to their accounts through the companies’ websites to review policy details, make changes, and monitor their coverage. This online accessibility simplifies the insurance management process for policyholders.
Digital Tools and Resources
To empower their customers, Farm Bureau and Safety Insurance offer various digital tools and resources. These include educational materials, insurance calculators, and resources to help policyholders make informed decisions about their coverage.
These digital resources serve as valuable aids in understanding insurance products, coverage options, and pricing structures, ensuring that customers have the knowledge they need to make the right choices.
Customer Reviews
Both Farm Bureau and Safety Insurance have positive customer reviews online. Customers praise Farm Bureau for its affordable rates, excellent customer service, and quick claims processing. Safety Insurance customers appreciate the company’s competitive rates, helpful agents, and efficient claims handling.
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Frequently Asked Questions
Does the Farm Bureau offer roadside assistance?
Yes, the Farm Bureau offers optional roadside assistance coverage for an additional fee.
Does Safety Insurance offer rental car reimbursement?
Yes, Safety Insurance offers optional rental car reimbursement coverage for an additional fee.
Does the Farm Bureau offer discounts for military personnel?
Yes, the Farm Bureau offers discounts for military personnel, including active duty, retired, and reserve members.
Does Safety Insurance offer discounts for senior citizens?
Yes, Safety Insurance offers discounts for drivers who are 65 years or older and have completed an approved driver improvement course.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.