Is South Carolina Farm Bureau Good for Auto Insurance?
Last Updated on April 2, 2021
South Carolina Farm Bureau provides auto insurance and other insurance products across South Carolina.
Based in West Columbia, South Carolina Farm Bureau is one of the state’s largest auto and home insurance companies.
Is South Carolina Farm Bureau good for auto insurance? Should you buy car insurance through South Carolina Farm Bureau? Find out everything you need to know about this insurance company today in our review.
Table of Contents:
- About South Carolina Farm Bureau
- South Carolina Farm Bureau Insurance Products & Services
- How Does South Carolina Farm Bureau Auto Insurance Work?
- What Makes South Carolina Farm Bureau Auto Insurance Unique?
- South Carolina Farm Bureau Auto Insurance Discounts
- South Carolina Farm Bureau Reviews: What Do Customers Have to Say?
About South Carolina Farm Bureau
South Carolina Farm Bureau is an insurance company and agricultural advocacy organization based in South Carolina.
The company insures drivers and homeowners across the state, including those in urban and rural areas. You don’t need to be a farmer to buy an insurance policy. The company insures everybody, and they’re one of the most popular insurers in the state.
South Carolina Farm Bureau is part of the Farm Bureau network. To buy insurance products through South Carolina Farm Bureau, you must be a Farm Bureau member. Anyone can sign up: you just need to pay an annual fee.
South Carolina Farm Bureau dates back to the early 1950s. At the time, it was difficult for South Carolina’s farmers to buy insurance. The South Carolina Farm Bureau Foundation, founded in 1944 by the state’s leading farmers, decided to take action: they started to sell insurance.
South Carolina Farm Bureau has sold car insurance since 1952. Today, the company continues to insure thousands of drivers and homeowners across South Carolina.
| South Carolina Farm Bureau Contact Info | |
|---|---|
| Address | 724 Knox Abbott Dr Cayce, SC 29033 |
| Telephone | 1-800-799-7500 |
| Website URL | https://www.scfbins.com/ |
South Carolina Farm Bureau Insurance Products & Services
South Carolina Farm Bureau is one of the largest property and casualty insurance companies in South Carolina. The company provides homeowners insurance, car insurance, and more, including all of the following:
Auto Insurance: South Carolina Farm Bureau sells car insurance across South Carolina. The company provides personal car insurance to ordinary drivers and commercial car insurance to business owners. South Carolina Farm Bureau also insures recreational vehicles (RVs), motorcycles, boats, golf carts, and other alternative vehicles.
Property Insurance: South Carolina Farm Bureau sells all types of property insurance across South Carolina, including homeowners insurance, manufactured home coverage, condo insurance, renters insurance, earthquake coverage, fire and flood insurance, and more. The company takes pride in paying more than $71 million in losses after Hurricane Hugo struck the state in 1989. South Carolina Farm Bureau made a name statewide for its quick claims response. The company’s strong response led to a surge in its number of property insurance policyholders throughout the 1990s.
Farm Insurance: South Carolina Farm Bureau has offered reliable, affordable farm insurance to farmers across South Carolina for over 50 years.
Umbrella Coverage: Extend your liability coverage with umbrella coverage. You can get peace of mind while protecting your home, business, and other assets.
Business Insurance: South Carolina Farm Bureau sells business insurance to small business owners, independent contractors, entrepreneurs, and others.
Health Insurance: South Carolina Farm Bureau offers health insurance to individuals and businesses. The company has partnered with some of the top-rated health insurance carriers in the state to offer health insurance to Farm Bureau members.
Financial Services: Like most Farm Bureau organizations, South Carolina Farm Bureau offers estate and retirement planning and other banking services through Farm Bureau Bank.
How Does South Carolina Farm Bureau Auto Insurance Work?
South Carolina Farm Bureau auto insurance policies can meet or exceed the state’s minimum insurance requirements. You can buy bare minimum liability insurance. Or, you can buy full coverage insurance with optional add-ons.
Liability Insurance: South Carolina requires drivers to carry a minimum of $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability coverage. South Carolina Farm Bureau expresses this as a 25/50/25 policy. Some drivers buy added liability insurance, raising limits to 100/300/100 or similar. South Carolina Farm Bureau lets you adjust coverage based on your needs, budget, and aversion to risk.
Comprehensive & Collision Coverage: Comprehensive coverage covers damage to your vehicle that occurs outside of an accident. It also covers theft, vandalism, storm damage, animal-related collisions, and other incidents. Collision coverage covers the cost of repairing your own vehicle after an accident, regardless of fault. Both coverages are optional. They’re both parts of any full coverage car insurance policy.
Uninsured Motorist Coverage: South Carolina has relatively high rates of uninsured motorists. That’s why South Carolina is one of the few states that require drivers to carry uninsured motorist coverage equal to your minimum liability coverage (25/50/25).
Underinsured Motorist Coverage: South Carolina Farm Bureau offers underinsured motorist coverage. All insurance companies are required by state law to offer this coverage to drivers. However, unlike with uninsured motorist coverage, you are not required to purchase underinsured motorist coverage.
Medical Payments Coverage: South Carolina Farm Bureau offers medical payments coverage as an optional add-on. It covers medical expenses, funeral costs, and similar expenses after an accident.
Classic & Antique Car Coverage: South Carolina Farm Bureau insures classic cars and antique cars across the state.
Alternative Vehicle Coverage: South Carolina Farm Bureau offers coverage for alternative vehicles, including boat insurance, motorcycle insurance, RV insurance, ATV insurance, and even golf cart insurance.
What Makes South Carolina Farm Bureau Auto Insurance Unique?
Drivers in South Carolina have plenty of options for car insurance. South Carolina Farm Bureau is one of the most popular insurance companies in the state. Here are some of the things that make the company unique:
Locally Owned and Operated: South Carolina Farm Bureau is headquartered in West Columbia, South Carolina. The organization was founded by a group of South Carolina farmers in the 1940s, and the organization has always operated in South Carolina.
Access to the Farm Bureau Network: With South Carolina Farm Bureau, you get the service of a small, local company with the amenities of a larger firm. South Carolina Farm Bureau members have access to other Farm Bureau services, including banking services and more.
Support for Agricultural Initiatives: Like other Farm Bureau organizations, South Carolina Farm Bureau supports agricultural initiatives across the state.
Must Pay an Annual Membership Fee: You must be a South Carolina Farm Bureau member to buy insurance through the organization.
DriveDown Deductible Rewards Program: DriveDown is a deductible rewards program that lets customers save on their deductible in exchange for driving safely.
MOBILE Agent App: South Carolina Farm Bureau offers a free mobile app called the MOBILE agent app. The app gives you on-the-go access to your Farm Bureau insurance account. You must have this app to enroll in the DriveDown program.
South Carolina Farm Bureau Auto Insurance Discounts
South Carolina Farm Bureau offers over dozens of discounts. By taking advantage of discounts, you can significantly lower your monthly premiums.
Discounts available through South Carolina Farm Bureau include:
Account Discount: If you have a qualifying property policy through your Farm Bureau insurance agent, then you could qualify for an account discount.
Account Loyalty Discount: You can receive an account loyalty discount even if you don’t have a property policy. If your parents have an active Farm Bureau homeowners insurance policy, then you could qualify for an account loyalty discount even if you’re not currently a Farm Bureau member. You must be under age 25 to qualify for this discount.
Adult Driver Training Discount: Drivers over 25 who complete an approved driver training course could receive a discount on car insurance. The course must include four or more hours of classroom instruction.
Student Away at School Discount: If you are a student under age 25 attending school more than 100 miles from home with no access to a vehicle, then you can save money on your insurance policy while still driving your car (or your parents’ car) when visiting home.
Claims-free Discount: If you have no chargeable claims on your policy over the last five years, then you qualify for South Carolina Farm Bureau’s claims-free discount.
Continuous Coverage Discount: If you have had no coverage gaps for any vehicle on a Farm Bureau policy in the last three years, then you qualify for a continuous coverage discount.
Farm Discount: Get a farm use discount for certain qualifying vehicles.
Financial Responsibility Discount: If you have no bounced checks or other payment issues within the last three years, then you receive a small discount.
Good Student Discount: Drivers between ages 15 and 24 attending school full-time can receive a discount if they’re ranked in the upper 20% of their class, have a B average or better, have a 3.0 GPA or better, or are listed on the Dean’s List or Honor Roll. Students can also qualify for this discount if homeschooled.
Loyal Customer Discount: Have you been a South Carolina Farm Bureau customer for two or more years? You could qualify for a loyal customer discount.
Multi-Vehicle Discount: If you insure multiple vehicles with South Carolina Farm Bureau, then you could qualify for a discount across all vehicles.
No Moving Violations Discount: Moving violations include speeding tickets, reckless driving citations, and other charges. You must have no moving violations within the last three years to qualify for this discount.
Personal Financial Discount: South Carolina Farm Bureau could give you a discount based on your payment history, credit score, and similar factors. Drivers with a good credit score or payment history may pay less for car insurance.
Youthful Driver Training Discount: Drivers under age 25 who successfully completed a driver training course may qualify for South Carolina Farm Bureau’s youthful driver training discount.
South Carolina Farm Bureau Reviews: What Do Customers Have to Say?
South Carolina Farm Bureau has a D- rating with the Better Business Bureau (BBB), which is an unusually low rating compared to other insurers. The company’s BBB page has 28 total complaints over the last three years.
AM Best assesses the financial strength of insurance companies across the United States. The company recently rated South Carolina Farm Bureau as a B++ (Good) rating. That’s a poor financial strength rating compared to most other insurance companies in the United States. However, the company’s outlook is stable, and South Carolina Farm Bureau has maintained this rating from 1960 all the way up to 2020 without interruption.
WalletHub gives South Carolina Farm Bureau an average rating of 4 stars out of 5 based on 14 reviews, while Clearsurance gives the company 4.26 stars out of 5 based on 29 customer reviews.
Overall, South Carolina Farm Bureau has average to good reviews online. It’s one of the most popular insurance companies in South Carolina, and most drivers are happy with their claims and customer service.
Final Word – South Carolina Farm Bureau Review
South Carolina Farm Bureau is part of the Farm Bureau network of insurance companies. Having served South Carolina drivers since the 1950s, South Carolina Farm Bureau has proven experience dealing with auto insurance claims across the state.
To learn more about South Carolina Farm Bureau or to request a quote today, visit SCFBIns.com.
