Farm Bureau vs Shelter Insurance Car Insurance for 2023

Looking for the best car insurance company can be challenging with so many options out there. In this review, we will compare Farm Bureau vs Shelter Insurance Car Insurance for 2023, and help you make an informed decision. Both companies offer different benefits and features, and it’s essential to understand them before making a decision. In this article, we will discuss the company’s history, mission, products, services, cost, and discounts available to customers. We will also provide a summary of customer reviews to give you an idea of their experiences with these two companies.

Interesting Attributes: Before diving into the details of Farm Bureau car insurance vs Shelter Insurance car insurance, here are three interesting attributes of the car insurance companies to give you a glimpse of what they offer:

• Farm Bureau offers a unique “multi-line” discount for customers who bundle their car insurance with other insurance products, such as homeowners or farm insurance.
• Shelter Insurance offers a mobile app for customers to manage their policies, file claims, and even pay bills.
• Both companies offer 24/7 customer service and roadside assistance to ensure their customers’ safety and satisfaction.

Company History and Mission:

Farm Bureau was founded in 1939 to serve the needs of farmers and rural communities. The company has since expanded its services to provide coverage to all types of drivers across 14 states, including Arkansas, Colorado, Florida, and Georgia. Farm Bureau’s mission is to provide reliable, affordable insurance to their customers while supporting and strengthening rural communities.

Shelter Insurance was founded in 1946 and is headquartered in Columbia, Missouri. The company operates in 18 states, including Alabama, Kansas, Missouri, and Tennessee. Shelter Insurance’s mission is to be a “quality insurance company committed to providing excellent customer service and competitive prices.”

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Products and Services:

Both Farm Bureau and Shelter Insurance offer a variety of car insurance products and services to their customers. Here are some of the main ones:

• Liability Coverage: Protects you from financial loss if you are responsible for an accident that causes injury or property damage to another person.
• Collision Coverage: Pays for damages to your vehicle if you collide with another car or object.
• Comprehensive Coverage: Covers damage to your car that’s caused by non-collision events, such as theft, vandalism, or natural disasters.
• Personal Injury Protection: Covers medical expenses and lost wages if you or your passengers are injured in a car accident, regardless of who is at fault.
• Uninsured/Underinsured Motorist Coverage: Protects you if you are involved in an accident with someone who has no or insufficient insurance coverage.

The cost of these services will depend on several factors, including your driving record, age, location, and the type of car you drive. It’s best to get a personalized quote from each company to compare their prices accurately. Farm Bureau operates in 14 states, while Shelter Insurance operates in 18 states.

Farm Bureau and Shelter Discounts:

Both Farm Bureau and Shelter Insurance offer several discounts to their customers to help lower their insurance costs. Here are some of the most common ones:

• Multi-Line Discount: If you bundle your car insurance with other insurance products, such as homeowners or farm insurance, you can save up to 20% on your premiums with Farm Bureau.
• Safe Driver Discount: If you have a clean driving record and no accidents or tickets in the past few years, you may qualify for a safe driver discount.
• Good Student Discount: If you’re a full-time student with good grades, you may qualify for a discount with both companies.
• Multi-Car Discount: If you insure multiple cars with the same company, you may qualify for a multi-car discount.

Customer Reviews:

Reading customer reviews can give you an idea of how well the company serves its customers and handles claims. Here is a summary of customer reviews for Farm Bureau and Shelter Insurance:

Farm Bureau: Many customers report that Farm Bureau has excellent customer service and provides personalized attention to their needs. However, some customers have reported issues with claims processing and communication with their agents. Overall, Farm Bureau has a 3.8-star rating on Trustpilot, based on 285 reviews.

Shelter Insurance: Customers generally report positive experiences with Shelter Insurance, citing the company’s responsive customer service and efficient claims processing. However, some customers have reported issues with rate increases and lack of transparency with their billing. Overall, Shelter Insurance has a 4.0-star rating on Trustpilot, based on 370 reviews.

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FAQs:

Q: Does Farm Bureau or Shelter Insurance offer roadside assistance?

A: Yes, both companies offer 24/7 roadside assistance as part of their car insurance coverage.

Q: Can I get a quote online for Farm Bureau and Shelter Insurance?

A: Yes, both companies offer online quote tools on their websites, making it easy to get a personalized quote.

Q: What types of discounts are available for car insurance with Farm Bureau and Shelter Insurance?

A: Both companies offer discounts for safe drivers, multi-car policies, good students, and bundling insurance products. Farm Bureau also offers a unique multi-line discount for customers who bundle their car insurance with other insurance products.

Q: How can I file a claim with Farm Bureau and Shelter Insurance?

A: You can file a claim with either company by contacting their customer service department by phone, email, or online. Both companies have dedicated claims representatives who can guide you through the claims process and answer any questions you may have.