Please check your policy or contact your agent to see if you have a deductible and how much it is.

Yes. State law requires you to carry at least the minimum financial responsibility limits of $25,000 per person, $50,000 per occurrence for Bodily Injury, and $10,000 for Property Damage to others.

Everyone is concerned with the amount they pay for car insurance. Here are a few suggestions to keep your rates as low as possible:

• Drive less
• Select your car carefully
• Choose higher deductibles
• Examine your coverages
• If you have an older car, consider the necessity of carrying Collision and/or Other Than Collision (Comprehensive) coverages
• Explore available discounts
• Most importantly, drive carefully and protect your driving record

Premiums are based on many factors. These include your age, driving experience, number of miles you drive, type of car you drive, and where your vehicle is garaged. Your driving record is very important.

Do your homework. Understand the various coverages and options available and what you need to purchase. Use the valuable experience of an insurance agent for advice. Choose a company and policy that will give you the best combination of price, coverage, and service. Be sure the company can provide the service you need when a claim occurs.

1. Call your Farm Bureau Insurance Agent
2. Provide the required information necessary to complete the Claim Notice of Loss (e.g. date of loss, description, injuries, etc.)
3. Your agent will notify the claims department of your loss for prompt handling of your claim
4. Glass claims can be called in 24 hrs, 7 days a week toll free at 1-877-322-5246

-OR-

On-Line by completing the Claims Notice of Loss

1. Complete all required information and click Submit
2. This will start the process for your claim

Our Office hours are 8:00 to 4:30 Monday through Thursday
8:00 to 3:15 on Friday

After Hours:
Claims can be reported 24 hours a day, 7 days a week by calling our After Hours number at 1-877-322-5246, or you may wait until the next business day.

You have the option to pay your premiums annually, semi-annually, quarterly, or monthly. If you choose to pay your premiums Monthly, you determine which day of the month you would like to have as your "due date". All invoices are produced and mailed 35 days before this due date. Payments must be received in our Home Office or County Office by the due date.

Your policy covers you while driving any where in the United States of America, its territories and possessions, Puerto Rico or Canada. It will not provide coverage in any other country. You should purchase coverage from that country or rental company prior to driving, if not in the US, Puerto Rico, or Canada. There is NO automatic coverage for driving in Mexico!

Our policy automatically covers rental vehicles for temporary use by the named insured or family member who is a resident of the insured's household. Rental companies offer a deductible buy-back option. You do not need to buy this coverage if you have coverage for collision and other than collision (comprehensive) under your policy and are not concerned about the deductibles which would apply (the same deductibles you carry on the vehicle you insure with us will apply to this rented vehicle). This automatic coverage applies only to private passenger vehicles. U-Hauls, motor homes and business vehicles are not covered by our policy. Utility and recreational trailers are limited to $2500 coverage. You should buy the rental company's coverage on those vehicles not covered by our policy. Check with your agent for specifics.

We will pay for towing if you have the optional coverage Emergency Road Service. This coverage pays for reasonable expenses for towing and labor costs (if the labor is done at the place of disablement) for the covered auto. Contact your agent to purchase this coverage.

Yes, called a total account discount. This credit is applied at each renewal if you maintain both your property and auto coverages with us. If you are not receiving this discount, consider the savings of insuring with us. Contact your agent for details.

Yes, provided you have their permission and are a family member or a listed operator on their policy. Make sure that you notify your insurance company or agent before getting behind the wheel.

A variety of coverages are available including comprehensive, collision, rental reimbursement, emergency road service, stereo equipment, accidental death, and disability income to name a few. Contact your agent for specific details, costs, and other options.

State law requires all Missouri motorists to have at least three coverages. They are Bodily Injury, Property Damage, and Uninsured Motorist coverage. These are the only coverages mandated by the state.

If your vehicle is financed, your lender may require that you buy two more coverages: Collision and Comprehensive (Other than Collision). These will protect you and the lender if your vehicle suffers damage or loss.

A deductible is the amount of damages that you agree you will be responsible for if you have a claim.

Most insurance policies have a deductible which states that a portion of the amount paid for the loss will be subtracted (deducted) from the amount the insurance company would otherwise pay. This amount is not paid to the company, it simply becomes your share of the loss and is deducted from the payment.

Collision provides protection for the upset of a covered automobile or its impact with another vehicle or object.

Other Than Collision covers damage to the covered automobile from risks such as falling objects, fire, theft, explosion or earthquake, windstorm, hail, water or flood, vandalism, riot, contact with a bird or animal, or glass breakage.

If you carry 25/50/25 "split" liability limits on your policy, the coverage would apply like this:

25- $25,000 would be the maximum payable per person injured in any one accident

50-$50,000 would be the maximum payable for all injured persons in any one accident

25- $25,000 would be the maximum payable for property damage of others in any one accident.

If you carry combined single liability limits, this would mean that you choose a limit and that could be distributed in any combination in the case of an accident. Example: You select $100,000 combined single limit. That $100,000 is the maximum payable for all bodily injury/property damage claimed in any one accident, whether paid for one person, several people, or property damage; or any combination.

Farm Bureau Town & Country Insurance Company can write your automobiles, home, farm, motorcycles, motorhomes, boats, mobilehomes, farm trucks and many other exposures. Through our other affiliates, we can provide for all your insurance needs from Life and Health, to retirement planning. Contact a Farm Bureau agent for details.

Monthly - You will be billed each month Quarterly - You will be billed every three months
Semi-annual - You will be billed every six months
Annual - You will be billed once a year
Electronic Funds Transfer Option - You may have the premium on any of the above payment plans electronically deducted from your designated bank account on the due date of your bill. View more EFT information and an application and change forms take advantage of this option.

A service charge will be added to policies billed on either monthly or quarterly payment plans. No service charge will be added to semi-annual or annual payment plans.

Deductibles serve several functions. Shifting the cost of small claims to the person buying the insurance (insured) enables the insurance company to reduce premiums. Small dollar claims often cost more to adjust and settle than the claim itself. The cost of insurance would be much higher if there were no deductibles. The higher the deductible, the lower your premium cost.

Some people think young drivers pay too much for auto insurance. They feel younger motorists are being penalized. But this isn't true. Young drivers are involved in 39% of Missouri's accidents. Over 21% of the drivers under the age of 24 are involved in an accident each year. By comparison, only 5% of motorists in the 65-74 age group have accidents annually.