State Farm Insurance - Your opinion please - Page 2 - Mercedes-Benz Forum

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post #11 of 20 (permalink) Old 01-21-2009, 08:30 PM
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Make sure you write an article about this in your local paper. They love the publicity
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post #12 of 20 (permalink) Old 01-21-2009, 08:32 PM Thread Starter
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Quote:
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Make sure you write an article about this in your local paper. They love the publicity
Remind me not to get on your bad side. lol

If I don't hear something I like, this might just happen.
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post #13 of 20 (permalink) Old 01-21-2009, 08:53 PM
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Here's my take on insurance. Change all your insurances if you like, but make very sure that you can be re-insured for your life insurance needs, before you cancel that policy. Usually, life insurance you bought some years ago, will be a better deal for you, because for one, you bought it at a lower age, which transcribes to lower premiums, and 2, you are insured and maybe trying to get a new life policy will require a medical exam, and you don't want to go there if you can avoid it.

For insurance in general, I would shop around, paying close attention to companies that sell insurances on the internet. I'm talking about well known companies, not companies that no one has ever heard of. The reason for this is that if you know what your needs are, ie, you don't need a salesman telling you what levels of insurance you need, than why pay a commission. Find the cheapest policies that satisfy your needs, and buy them. If on the other hand, you need help in determining your insurance levels, then having an insurance agent is fine, but realize that you'll probably pay a premium for his services, in the form of higher insurance costs for the same insurance coverage.

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post #14 of 20 (permalink) Old 01-22-2009, 09:25 AM
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I have been with State Farm (autos and home) over 20 years, and had a good relationship with them. Only 1 or 2 claims, on the auto policy one for a minor fender bender and one for a windshield I believe.)


About 7 years ago my wife's purse was stolen at work and we filed a claim under homewoners insurance and when they paid off.

When we divorced she kept the house AND the Homewoner's policy, 3 years ago. After this, she made a couple of strange big claims under the policy for some claims I knew nothing about, and State Farm cancelled the home insurance (she insured her new Accord elsewhere and wrecked in in Florida a couple of times)


I found out that my State Farm Agent of 20 years interceded
for her to try and keep the San Francisco house insurance policy going but failed.


State Farm cancelled and refused to renew because it smelled fraud. They said normal claims are one per house under a homeowner's policy each 15 years. But she made 3 of them in 7 years, so they got rid of her. So did I, via divorce. Creep.

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post #15 of 20 (permalink) Old 01-22-2009, 09:44 AM
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Relevent or not
The Missis and myself have basically never claimed on any insurances
but know ( or knew ) those who claim quite regularly on property insurance
Well they used too
because
Most property insurers now do like the car insurers
and have
A "no claims" bonus
work it out folks
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post #16 of 20 (permalink) Old 01-22-2009, 11:56 AM
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When I first moved back to America several years ago, I went to the state farm office and was told they couldn't cover me because I didn't have a driving record in any database.
After paying for coverage thru Geico and then Allstate for a few years, I switched to state farm -- much lower rates with lots more coverage. Had 1 claim for a car (minor fender bender), was handled with no problems. Cost of the policy did not increase.

I went in the other day to see about the home owners coverage because I had lost my awning during a recent wind storm. Found out I had a $1,000.00 deductable and decided I could replace the awning for about the same cost. The agent did say to save all of my receipts and if I went over the deductable they would reimburse.

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post #17 of 20 (permalink) Old 01-22-2009, 04:57 PM Thread Starter
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Thanks for all the helpful replies guys

Cascade, I'm happy for you that you were able to get away from that situation.
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post #18 of 20 (permalink) Old 01-22-2009, 05:18 PM
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Originally Posted by drewprof View Post
No that's great, it makes revenge even sweeter. Invite the dude or dudette for lunch or diner and make sure that there will be a lot of people, you know like a party. Tell him that you will be updating your policy and there will be plenty of people for him to mingle around and prospect.
Once seated at the table, drop the bomb. Pick a moment when his mouth is full.
Yeah, and then kick him right in the balls, and tell him to jive his dragged ass out a there.

-Marty


"...pour out of one vessel into another; and as those old Romans robbed all the cities in the world, we skim the cream of other men's wits, pick the choice flowers of their tilled gardens to set our own sterile plots."
-a Richard Burton
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post #19 of 20 (permalink) Old 01-22-2009, 07:43 PM
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Yeah, and then kick him right in the balls, and tell him to jive his dragged ass out a there.
Then sue me for damages and collect from the policy
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post #20 of 20 (permalink) Old 01-23-2009, 12:05 AM
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These people have been on my permanent DO NOT DO BUSINESS WITH WHATSOEVER list after they dropped me after getting one (1) ticket and an under $150 theft (below deductible) in the same year over 30 years ago. I was 17 at the time and because I was dropped, it was very difficult for me to get insurance. Worse, my father had to specifically exclude me from driving his (POS) car on the insurance, which was a real potential problem because my dad was not well and my car wasn't always operational.

So, I got very, very expensive insurance through a company that was later discovered to be quite profitable due to its complete lack of paying any claims. Fortunately, I did not have to find this out for myself, and about a year after being dropped I went with Farmers, which I still have.

They occasionally send me some letters and advertising to get my business, and I am sometimes tempted to tell them why I would never do business with them, and give them my rough estimation of how much money they lost over the last 30 years because they had dropped me. But I like that they continue to waste advertising money my way.

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