How is State Farm as an Insurance Company?

Question

Does anyone have personal experience you could share? I'm changing companies and they are the most reasonable quote - but cheaper isn't always the best....

Answer 1

i dont like them....i was in an accident that wasnt my fault and state farm cancelled my policy...the other driver didnt have insurance but i had uninsured motorist on my policy so state farm had to pay out for my repairs....something about them cancelling my policy didnt set well with me

Answer 2

state farm has been real good.  We had allstate and they raised the price by like 100 one year for no apparent reason. and we have a perfect driving record.

Answer 3

I have had them for many years on my vehicles and no problems. They have even taken care of some problems most companies won't. Their Homeowners insurance was way too high so I went with another company.

Answer 4

I've heard nothing good about them.

They also overcharged me 80 bucks a month over my monthly payment for two years.

When I asked them about it, they said it was my fault and they couldn't offer me reimbursement or credit.

Answer 5

any of the big companies (all state, state farm, progressive, geico) are going to give you good service.

Its when you get those little brands that no one has ever heard of that there are problems.

Answer 6

We have been using them for about 20 years.  No complaints. The rates are reasonable.  We like our agent.  We also have our house and life insurance with them.  We get a multiple policy discount for this.  Our son is in college and gets a good student discount as long as he keeps his GPA over 3.0.

We haven't had the need to file any claims.

My brother has the same agent I use.  He filed a claim for a totaled vehicle that wasn't his fault (he is in a no-fault state).  He had excellent service.

Answer 7

I used State Farm for about four years and my agent was great.  I now have Country Insurance because the customer service is better and the premiums are lower.  I also have life through Country, and I would recommend them.

I will never go back to State Farm thanks to a terrible claims situation.  Last year my wife suffered some pretty bad whiplash from a rear-ender that came from a State Farm driver.  State Farm, taking 100% of the liability, wouldn't cover 75% of the medical claims.  It took several months, countless hours and plenty of legal advice from a lawyer to get State Farm to cover medical expenses and some pain and suffering.  The claims rep had the nerve to say my wife was overexaggerating and that five doctor's appointments was excessive, "No one can have that kind of whiplash from a 20mph rear-end collision," he would say.  The funny thing is, the doctor didn't want to release my wife yet.  So, needless to say, State Farm is at the top of my s*** list.  Stay away!

Answer 8

i love state farm! I have them for renters insurance and car insuracne i have NEVER had any problems with them at all!

Answer 9

one of the best in the u.s.  better than most premium wise  and excellent in settling claim and rental cars . have had them for 26 years and no complaints

Answer 10

Excellent!! Just because they are cheaper doesn't mean bad service. There ratings on your driving record puts you in a better bracket. They have alot of things they do that other companies do not. Ask your local rep what they offer that other companies don't. Depending on your coverages, lets say you add towing & you need your car towed 10 times, that doesn't count against you as a claim, where other companies it may be the difference between you staying insured or being cancelled. They forgive your first "At Fault" accident.

I have a few personal experiences with state farm, none I want to mention here. All I can say is when I got my quote, it  was $489 a year cheaper than I was paying. I've been insured with State Farm for about 7-8 years now. Even if I had to pay a little more I would stay with them for the service they provide me. I hope this helps make up your mind. Good Luck!