Every year, our agents receive a lot of questions from people like you. They are stopped in the grocery store, at their child’s T-ball games, after church on Sundays. People have insurance questions and our agents are happy to answer them. Our agents get some crazy questions, but there are themes – things people ask about again and again. We share the answers to some of the most common insurance questions.

  1. My Family Is Growing and Changing. What Do I Need to Think About to Be Sure I’m Covered?

    If one thing is true in life, it’s that things are always changing. Whether you are having children, sending your kids to college or getting ready to retire, the right insurance coverage can help. But your coverage needs evolve over time. Whether you are just getting married and buying your first home or teaching your teen to drive, preparing them for college or getting ready to retire, your insurance needs are different in different phases of life. Luckily, we have the tools to help you through every phase, and make sure you have the right coverage every step of the way.

  2. My Child Is Learning to Drive. How Can We Save on Insurance Rates?

    This is a great insurance question to ask if you want to keep your premium low. You may feel like your auto insurance rates automatically increase when your child turns 16. You’re not alone – young drivers are not always the safest drivers on the road, and their rates can reflect that. It can take a while to develop good driving habits. That’s why we have a Young Driver Safety program for drivers under 25. When a younger driver successfully completes the program, they could earn a Safe Young Driver Discount.

  3. I’m Retiring Soon! Do I Need the Same Coverage as When I Was Working?

    Life sure changes when you retire – and your insurance should evolve with you! Many people wonder if they still need life insurance and disability coverage when they retire. The short answer is: It depends. If you are looking to transition a business, will be caring for an aging family member or are preparing for end of life costs, your life insurance could be beneficial and provide a lot of financial stability during and after your transition into retirement.

    Disability insurance may be a different matter. Your disability coverage is designed to protect your income if you are hurt or too sick to work. Your individual policy is designed to supplement your employer’s policy (if they offer coverage), but those plans stop when you retire or leave the company. When you stop working, your disability insurance may not be necessary. Contact your agent to talk through your specific needs.

  4. I Want to Turn My Passion into a Side Business. What Should I Think About?

    Opening a business is a big step! Whether you want to be self-employed full time, or you simply want a side hustle for extra income, you should think about what kind of protection you need to protect your time, talent and inventory. You should also think about where you will be operating your business. Can you run it from your home, will you sell your products online or will you open pop up shops or a storefront somewhere? Each option has insurance implications that you will want to think through. Your agent can help you answer the most important questions regarding your small business.

  5. How Can I Save Money on My Insurance?

  6. When you are looking at your budget, you are likely looking for ways to save. And we can help! Whether you are looking to earn discounts on auto insurance or you want to see if you can get a better deal on your homeowners premiums, our agents are always on the lookout for ways you can save. From auto to homeowners insurance, we can provide discounts and ways to ease your costs, improving your bottom line.

    In a way, we designed our annual SuperCheck® with you in mind. We want to be sure that we “right size” your coverage every year. We don’t want you to have gaps in your insurance, but we also don’t want you to pay for services you don’t need. Your SuperCheck is your chance to talk about what is going on in your life with your agent so they can be on the lookout for potential savings.

Do you think insurance is complex and difficult to understand? You’re not alone. Your Farm Bureau agent is here to answer every insurance question, large or small. We want to see you succeed, and we’re happy to help you get there. If you have questions, we’ll work hard to answer them. It’s your future. Let’s protect it.®