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Re: State farm rate increase
[Re: Megatrondiablo]
#1280596
02/27/15 05:07 PM
02/27/15 05:07 PM
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Joined: Nov 2006
Posts: 13,401 Mobile Alabama
TChunter
Booner
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Booner
Joined: Nov 2006
Posts: 13,401
Mobile Alabama
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I have never heard one praise report about state farm. It's always posts like this.
On the Eighth day God created flounder.
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Re: State farm rate increase
[Re: Megatrondiablo]
#1280600
02/27/15 05:12 PM
02/27/15 05:12 PM
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Joined: Aug 2001
Posts: 64,170 Luverne, AL
Skinny
GUVNER
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GUVNER
Joined: Aug 2001
Posts: 64,170
Luverne, AL
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They are irritating me too. A penny there a nickle there. Its adding up.
Never Trust Government
"You can be broke but you cant be poor." Ruthie-May Webster
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Re: State farm rate increase
[Re: Megatrondiablo]
#1280603
02/27/15 05:15 PM
02/27/15 05:15 PM
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Joined: May 2013
Posts: 33 Alabama
Buckmark334
spike
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spike
Joined: May 2013
Posts: 33
Alabama
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We dumped them years ago....never to return
Vince Majestyk: You make sounds like you're a mean little ass-kicker... only I ain't convinced. You keep talking and I'm gonna take your head off.
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Re: State farm rate increase
[Re: Megatrondiablo]
#1280609
02/27/15 05:18 PM
02/27/15 05:18 PM
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Joined: Feb 2015
Posts: 2,186 Central to South AL
Stickers
8 point
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8 point
Joined: Feb 2015
Posts: 2,186
Central to South AL
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I still have one auto I left with them to keep homeowners discounts- they do seem to be competitive on homeowners especially if you have liability umbrella and personal articles riders. My agents have been very good to work with, but I could not pass up the savings on moving the other autos. Do make sure if you have not pulled your tax records on your property to compare what they are insuring it at, you do. Cut my homeowners last year by challenging the value they had it insured for versus the lower tax value.
WDE
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Re: State farm rate increase
[Re: Megatrondiablo]
#1280624
02/27/15 05:35 PM
02/27/15 05:35 PM
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Joined: Sep 2012
Posts: 8,456 Harpersville, AL
tfd1224
14 point
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14 point
Joined: Sep 2012
Posts: 8,456
Harpersville, AL
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state farm is gonna price themselves out of the insurance business. they screwed me over years ago. i have saved buckets of money since then and havent looked back.
Yeah c’mon. Daniel White
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Re: State farm rate increase
[Re: Megatrondiablo]
#1280826
02/27/15 09:14 PM
02/27/15 09:14 PM
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Joined: Feb 2014
Posts: 123 mobile, al
Jonesie
3 point
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3 point
Joined: Feb 2014
Posts: 123
mobile, al
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I'll put myself out there again....SF agent here. Are you all finding out why you received an increase? The billing statement should explain any policy changes/ premium changes. If it doesn't add up or is not clear, please call your Agent's office and ask the agent or team members to to pull up your policy and see if there are any notes, recent coverage changes, driver classification changes, or anything that looks different. If they are unable to tell from policy view they can call an underwriter and find out why there was a change. Once an answer is obtained the agent or team members can offer suggestions. It could be a simple solution with overnight processing. If you have teenage or youthful drivers a review is a must to make sure drivers and vehicles are properly assigned. Homeowners insurance increases can sometimes be due to the insurance company not having a current alarm monitoring certificate on hand, which, can easily add up to a few hundred $ annually. So, I strongly suggest finding out WHY so you and the team can determine HOW. Stickers makes a good point. Replacement cost is based on today's labor and material costs. Dwelling coverage amounts and thus premiums are adjusted to meet replacement costs, not market value. Five years ago it may have cost $100k ( coverage)to replace a loss. Today it may be $120k based on labor and material costs meaning 120% insurance to value. You have the say so, but, I try to keep most at 100% IV. Ask your SF agent about option ID-increase dwelling option. If you are insured at100%, in a complete loss the option ID provides for ( at no additional expense) an additional 20% in loss recovery. So you'd get $120k to rebuild. In this example you would pay premium for $100k coverage to get $120k in a complete loss. Which is better than paying premium 120% insurance to value. Just trying to help. I'm licensed throughout the state so I can visit, quote, help, advise any of you guys, and gals. Being "there" is what we are all about. I can't count the number of people I've been "there" for in the event of fires, tornados, hurricanes, fatal accidents, floods, you name it. Have you thought about what you would do in a complete loss? Clothes, shoes, socks belts, medicine, make up, hair dryers, curling irons, bras, pots and pans, computers, phones, turkey decoy, grunt call, etc., etc. I have. I've been " there" many times. You get a lot more than just coverage, dec pages faxed to lenders, proof of insurance faxed or emailed to the dmv and replacement cards. You get a real person that's visible throughout the community. So, call your agent. Go see them. Get their cell number or Aldeer handle. And let them tell you why and together solve for how. Not trying to be a smarty pants, but, who is your geico agent? Where does he/she live? Insurance is just a monthly bill....til you need it....and I hope you don't, but when you do who do you want to call? Or, do you know who to call? I'm here if you have any questions. Glad to help. And I won't even ask for a guest hunt!! Cheers,
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Re: State farm rate increase
[Re: Jonesie]
#1280829
02/27/15 09:37 PM
02/27/15 09:37 PM
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Joined: Jan 2015
Posts: 510 Coosa/Clay line
Michael256
4 point
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4 point
Joined: Jan 2015
Posts: 510
Coosa/Clay line
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I had progressive for like 8 years but my 2012 Mustang was $130/mo in January. Bought a new truck, jumped to $171 a month. Went to Alfa, new truck with same $500/500 deductibles was just under a hundred. Wound up with $100 comp/$500 collison, and added my polaris rzr for about $120 a month. Might as them for a quote.
Last edited by Michael256; 02/27/15 09:37 PM.
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Re: State farm rate increase
[Re: Megatrondiablo]
#1280867
02/28/15 03:04 AM
02/28/15 03:04 AM
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Joined: Feb 2015
Posts: 2,186 Central to South AL
Stickers
8 point
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8 point
Joined: Feb 2015
Posts: 2,186
Central to South AL
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Jonesie- good post and a local agent is critical to have. I went to the local Geico office, met their local agent here and he introduced me to the admin person who handled my policy onboard. I did do the research online just to comparison shop, but agree knowing a person here local with a local telephone number matters "when you need them". I also called our local SF agent here and told them what I was doing which helped me decide what business to leave with SF. In this instance, SF got to keep the business they were most competitive on, and understood losing what they are not.
WDE
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Re: State farm rate increase
[Re: Megatrondiablo]
#1280891
02/28/15 03:36 AM
02/28/15 03:36 AM
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Joined: Jun 2008
Posts: 2,343 North Alabama
robinhedd
8 point
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8 point
Joined: Jun 2008
Posts: 2,343
North Alabama
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I was told by my State Farm agent that they have a rate increase every year no matter what. I call BS on that. I'm switching my cars & my homeowners, I can't pay these suckers at State Farm enough money. I'm done with them.
"Guess I just got too much Mathews in me!"
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Re: State farm rate increase
[Re: WhiteCityHunter]
#1280895
02/28/15 03:42 AM
02/28/15 03:42 AM
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Joined: Nov 2005
Posts: 3,834 Jasper
buckhunter2
10 point
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10 point
Joined: Nov 2005
Posts: 3,834
Jasper
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Shop your auto insurance every three years. I've done this and always found cheaper rates, for the same coverage when I did. Exactly- If you aren't shopping homeowners and auto every 3 years you are literally throwing money away.
You're only as good as your worst shot-
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Re: State farm rate increase
[Re: buckhunter2]
#1280929
02/28/15 04:30 AM
02/28/15 04:30 AM
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Joined: Nov 2011
Posts: 21,789 USA
Remington270
Freak of Nature
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Freak of Nature
Joined: Nov 2011
Posts: 21,789
USA
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Shop your auto insurance every three years. I've done this and always found cheaper rates, for the same coverage when I did. Exactly- If you aren't shopping homeowners and auto every 3 years you are literally throwing money away. Yes. They make millions, billions off laziness.
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Re: State farm rate increase
[Re: Jonesie]
#1280960
02/28/15 05:01 AM
02/28/15 05:01 AM
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Joined: Dec 2002
Posts: 51,973 Round ‘bout there
Clem
Mildly Quirky
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Mildly Quirky
Joined: Dec 2002
Posts: 51,973
Round ‘bout there
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Have you thought about what you would do in a complete loss? Clothes, shoes, socks belts, medicine, make up, hair dryers, curling irons, bras, pots and pans, computers, phones, turkey decoy, grunt call, etc., etc. No one ever thinks about the sheer amount of items they own until its' gone. It truly is staggering to think about having to replace even a portion of what you have to get going again.
"Hunting Politics are stupid!" - Farm Hunter
"Bible says you shouldn't put sugar in your cornbread." Dustin, 2013
"Best I can figure 97.365% of the general public is a paint chip eating, mouth breathing, certified dumbass." BCLC, 2020
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