Farm Bureau vs Southern Farm Bureau Car Insurance for 2023
This comprehensive comparison dissects the offerings of Farm Bureau and Southern Farm Bureau, two insurance powerhouses deeply rooted in serving rural communities, shedding light on their unique strengths and catering approaches.
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Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
UPDATED: Jan 8, 2024
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: Jan 8, 2024
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
| Factor | Farm Bureau | Southern Farm Bureau |
|---|---|---|
| Clean Record | $80 | $75 |
| 1+ Ticket | $100 | $95 |
| 1+ Accident | $120 | $110 |
| DUI | $140 | $130 |
| Poor Credit | $138 | $100 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Farm Bureau | Southern Farm Bureau |
|---|---|---|
| Safe Driver | 8% | 7% |
| Low Mileage | 11% | 10% |
| Anti Theft | 9% | 8% |
| Paperless | 7% | 6% |
| Senior Driver | 16% | 12% |
| Good Student | 12% | 11% |
Farm Bureau Car Insurance
Pros:
- Established Reputation: Farm Bureau, founded in 1939, has a long history and a strong reputation in the insurance industry.
- Nationwide Coverage: With a presence in all 50 states, Farm Bureau provides coverage to a wide range of customers.
- Customizable Policies: Known for offering customizable policies, allowing drivers to tailor coverage options to their specific needs.
- Affordable Pricing: Farm Bureau is recognized for its affordable pricing and discounts for safe driving and good grades.
Cons:
- Limited Availability: While Farm Bureau operates in all 50 states, its availability might be limited in certain regions within each state.
- Mixed Customer Reviews: Some customers have reported issues with claims processing and difficulties in reaching customer service representatives.
Southern Farm Bureau Car Insurance
Pros:
- Specialized Farm Coverage: Southern Farm Bureau specializes in providing insurance solutions tailored to the needs of farmers and rural residents.
- Regional Expertise: Focused on 11 southern states, Southern Farm Bureau has in-depth knowledge of the insurance needs in its specific region.
- Affordable Policies: Like Farm Bureau, Southern Farm Bureau is known for offering affordable policies and discounts for various factors.
- Positive Customer Feedback: Generally positive customer reviews regarding personalized service and expertise in farm insurance.
Cons:
- Limited Geographic Presence: Southern Farm Bureau is available only in 11 southern states, restricting its coverage area.
- Potential for Regional Variation: Due to its regional focus, the coverage options and customer experience may vary based on location.
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Best Overall Southern Farm Bureau Car Insurance
After a comprehensive comparison of Farm Bureau and Southern Farm Bureau car insurance, Southern Farm Bureau emerges as the top choice. Several factors contribute to this decision:
Specialized Farm Coverage: Southern Farm Bureau demonstrates a clear expertise in catering to the insurance needs of farmers, offering unique coverage options specifically designed for farm vehicles and equipment. This specialization is particularly beneficial for customers in rural communities.
Affordable Pricing and Discounts: Both Farm Bureau and Southern Farm Bureau are known for their affordable pricing and discounts. However, Southern Farm Bureau’s emphasis on providing hometown service to farmers in 11 southern states, combined with competitive rates, gives it an edge.
Customer-Friendly Approach: Southern Farm Bureau’s reputation for exceptional customer service, as highlighted in real-life scenarios, aligns with its mission to provide “hometown service from people you know and trust.” This personalized approach is crucial in addressing the diverse needs of customers.
Student-Friendly Policies: In the case study involving a college student, Southern Farm Bureau’s understanding of the financial constraints of students and its offering of affordable policies with flexible payment options make it a preferred choice for a broader audience.
Multi-Vehicle Coverage for Businesses: For small business owners like Thomas, Southern Farm Bureau’s specialized commercial auto insurance expertise and customizable coverage options demonstrate a commitment to meeting specific needs, making it a suitable choice for businesses with multiple vehicles.
Southern Farm Bureau stands out as the best overall choice, offering a combination of specialized coverage, competitive pricing, excellent customer service, and a customer-friendly approach that addresses a variety of insurance needs.
Farm Bureau History
Farm Bureau, established in 1939, boasts a robust history rooted in providing insurance solutions to rural communities and farmers across all 50 states. Founded with a mission to deliver affordable coverage with a personalized touch, Farm Bureau has grown into a trusted entity in the insurance industry.
Over its decades-long journey, the company has expanded its offerings to include a diverse range of insurance products, with a commitment to serving the unique needs of rural residents and fostering a sense of community.
Southern Farm Bureau History
Southern Farm Bureau, founded in 1946, has deep roots in the Southern United States, specifically serving farmers and rural residents in 11 southern states. With a mission focused on providing “hometown service from people you know and trust,” Southern Farm Bureau has become synonymous with tailored insurance solutions designed to cater to the distinct challenges faced by agricultural communities in the southern region.
The company’s origin story reflects a dedication to fostering strong local relationships and addressing the insurance needs of its communities with a personalized approach.
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Products and Services
Both Farm Bureau and Southern Farm Bureau offer a range of auto insurance products, including liability, collision, and comprehensive coverage. They also offer coverage for other types of vehicles, such as boats, RVs, and motorcycles. Farm Bureau is known for its customizable policies, allowing drivers to select coverage options that best suit their needs. Southern Farm Bureau offers unique coverage options for farm vehicles and equipment, as well as for crops and livestock.
Pricing and Availability: The cost of car insurance from Farm Bureau and Southern Farm Bureau can vary depending on several factors, such as the driver’s age, location, and driving history. However, both companies are known for their affordable pricing and discounts for safe driving and good grades. It’s worth noting that both Farm Bureau and Southern Farm Bureau are only available in certain states, with Farm Bureau serving all 50 states and Southern Farm Bureau serving 11 southern states.
Farm Bureau and Southern Farm Bureau Discounts
Farm Bureau and Southern Farm Bureau offer several discounts for their auto insurance products, including safe driver discounts, multi-vehicle discounts, and discounts for good grades. They also offer unique discounts for being a member of certain organizations, such as the National FFA Organization or the National Rifle Association.
Case Studies: Real-Life Scenarios Comparing Farm Bureau vs. Southern Farm Bureau Car Insurance
Case Study 1: John’s Farm Insurance Dilemma
John, a farmer from the Midwest, is in search of the best insurance coverage for his farm and vehicles. He has heard about both Farm Bureau and Southern Farm Bureau and wants to compare their offerings. John’s main priorities are affordable premiums, coverage for his farm equipment, and reliable customer service.
John decides to reach out to both the Farm Bureau and Southern Farm Bureau to discuss his specific needs. Farm Bureau offers him a customizable policy that allows him to tailor coverage options to protect his farm equipment adequately. They also provide competitive pricing and discounts for his safe driving record.
Southern Farm Bureau, on the other hand, specializes in catering to the insurance needs of farmers and offers unique coverage options specifically designed for farm vehicles and equipment. They have a strong presence in the Midwest region and boast a reputation for providing exceptional customer service.
After careful consideration, John decided to choose Southern Farm Bureau for their expertise in farm insurance and personalized approach to serving his needs.
Case Study 2: Sarah’s Student Car Insurance
Sarah, a college student, recently obtained her driver’s license and is eager to purchase her first car. She needs affordable car insurance that provides basic coverage while accommodating her tight budget and student lifestyle.
Sarah decides to explore her options with the Farm Bureau and Southern Farm Bureau. Farm Bureau offers her competitive rates for young drivers and provides discounts for good grades, which aligns well with her student status. They also offer a range of coverage options to meet her needs.
Southern Farm Bureau, on the other hand, understands the financial constraints of students and offers affordable policies with flexible payment options. They provide basic coverage tailored to young drivers and have a reputation for excellent customer service.
After careful evaluation, Sarah chose Southern Farm Bureau for their affordability and student-friendly approach to car insurance.
Case Study 3: Thomas’ Multi-Vehicle Coverage
Thomas is a small business owner who owns multiple vehicles, including cars and trucks used for deliveries. He needs insurance that can cover all his vehicles under one policy to simplify his insurance management.
Thomas reaches out to both the Farm Bureau and Southern Farm Bureau to discuss his multi-vehicle insurance needs. Farm Bureau offers him a comprehensive commercial auto insurance policy that can cover all his vehicles under a single policy, providing convenience and streamlining his insurance management.
They also offer competitive rates for business owners and tailored coverage options to protect their vehicles and deliveries. Southern Farm Bureau recognizes the unique needs of small business owners and offers commercial auto insurance solutions that can cover multiple vehicles.
They provide flexible coverage options, including liability and cargo coverage, to ensure comprehensive protection for Thomas’ business. After careful consideration, Thomas chose Southern Farm Bureau for their specialized commercial auto insurance expertise and customizable coverage options that meet his specific needs as a small business owner.
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Seamless Claims Process With Farm Bureau vs. Southern Farm Bureau
Ease of Filing a Claim
When it comes to filing a claim with Farm Bureau or Southern Farm Bureau, both companies offer multiple convenient options. Policyholders can choose to file a claim online through the company’s website, over the phone by contacting their customer service hotline, or by utilizing their respective mobile apps. This flexibility in the claims process ensures that customers can choose the method that best suits their preferences and needs.
Average Claim Processing Time
One critical factor in evaluating an insurance company is the speed at which they process claims. While the exact processing time may vary depending on the complexity of the claim and other factors, both Farm Bureau and Southern Farm Bureau are known for their efficient claims processing. On average, policyholders can expect their claims to be handled promptly, allowing for a quicker resolution and payout.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable when assessing an insurance company’s claims process. Both Farm Bureau and Southern Farm Bureau have generally positive reviews from customers regarding their claim resolutions and payouts. Many policyholders appreciate the smooth and hassle-free experience they have when making a claim.
However, it’s essential to note that, like any insurance company, there may be occasional complaints or concerns. Potential policyholders should review customer feedback specific to their region or state for a more accurate assessment.
Exploring Farm Bureau vs. Southern Farm Bureau Cutting-Edge Digital and Technological Features
Mobile App Features and Functionality
Both Farm Bureau and Southern Farm Bureau offer mobile apps that provide policyholders with convenient access to their insurance information. These apps typically allow users to view policy details, pay premiums, file claims, and even request roadside assistance.
The functionality and user-friendliness of these apps can significantly enhance the overall customer experience, making it easier for policyholders to manage their insurance on the go.
Online Account Management Capabilities
In addition to mobile apps, both companies offer robust online account management capabilities through their websites. Policyholders can log in to their accounts to access policy documents, make payments, update personal information, and track the status of their claims. These online account management tools empower customers to have more control over their insurance policies and streamline various administrative tasks.
Digital Tools and Resources
Farm Bureau and Southern Farm Bureau also provide a range of digital tools and resources to help policyholders make informed decisions about their insurance coverage. These may include online calculators to estimate insurance needs, educational articles and videos, and tools to request insurance quotes.
These resources are designed to assist customers in understanding their insurance options better and choosing the coverage that best suits their unique needs.
Customer Reviews
Customer reviews for Farm Bureau and Southern Farm Bureau are generally positive, with many customers praising the companies’ personalized service and affordable pricing. However, some customers have reported issues with claims processing and difficulty reaching customer service representatives.
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Frequently Asked Questions
What is the mission of the older of the two companies?
Farm Bureau, established in 1939, aims to provide affordable insurance coverage to rural communities and farmers while emphasizing personalized service and support.
In which regions is Southern Farm Bureau exclusively available?
Southern Farm Bureau operates in 11 southern states, focusing on delivering insurance solutions tailored to the needs of farmers and rural residents in the Southern United States.
Do both companies offer coverage for vehicles other than cars?
Yes, both Farm Bureau and Southern Farm Bureau extend their coverage to a range of vehicles, including boats, RVs, motorcycles, farm equipment, and more.
Are there specific discounts available for members of certain organizations with these insurers?
Both Farm Bureau and Southern Farm Bureau offer unique discounts for being a member of organizations such as the National FFA Organization or the National Rifle Association.
What digital tools do these companies provide to enhance customer experience?
Farm Bureau and Southern Farm Bureau offer mobile apps for convenient policy management, robust online account management capabilities, and a variety of digital tools and resources to help policyholders make informed decisions about their insurance coverage.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tonya Sisler
Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Content Team Lead
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.