State Farm Group - Auto

276 ratings (266 Epinions reviews)
Epinions Product Rating: Very Good
5 stars
88
4 stars
42
3 stars
17
2 stars
26
1 star
93
Share This!
  Ask friends for feedback

They aren't quite the neighbor they claim to be

Oct 28, 2008
Review by  
Not yet rated

Pros:State Farm is great if you never have to file a claim. 

Cons:State Farm penalizes you for filing claims (even if those claims are denied).

The Bottom Line: Avoid State Farm & research other companies


I've had insurance with State Farm since I was 15 years old.  I have never had a wreck, have no tickets on my record.  I did have hail damage in 2002. 

My husband & I got a homeowner's policy on our first home in 2001.  We made no claims until a tornado hit our area.  We all sustained damages and all of my neighbors (who weren't with State Farm) received new roofs.  While my neighbor was getting a new roof, his contractor said that our roof was more heavily damaged than our neighbor's roof.  We called State Farm & were told we had to file a claim to arrange an adjuster to come out TO SEE IF WE WERE ELIGIBLE for a new roof.

We did just that.  However, State Farm's adjuster said there was nothing wrong with our roof & denied our claim.  AND then our insurance rates went up.  WHY?  Because we FILED a claim.  State Farm said it didn't matter the claim wasn't paid.  We had the audacity to file. 

Still, we stayed with them.  Last week, my husband was weed-eating the lawn and a random rock flew out & shattered our glass sliding door.  We have called the glass company & they said there is no way to fix it -- The whole door will have to be replaced. 

We have a $500 deductible.  The bill (for installation plus the door) will come to around $900.  Our State Farm agent has told us NOT to file a claim because that will raise our rates $180 per year for three years.  So the fact that State Farm has to pay out $400 on an insurance claim is going to cost us $540.  That's a nice return on State Farm's $400 investment. 

We will be looking for another insurance company.  Hopefully one that doesn't profit when the inevitible DOES happen. 


Recommend this product? No


Share this product review with your friends   
Share This!


Related Deals You Might Like...

FATHEAD Farm Animals Group One Graphic Wall Décor

FATHEAD Farm Animals Group One Graphic Wall Décor

FATHEAD Farm Animals Group One Graphic Wall Décor
Sears Marketplace
FATHEAD Farm Animals Group Two Graphic Wall Décor

FATHEAD Farm Animals Group Two Graphic Wall Décor

FATHEAD Farm Animals Group Two Graphic Wall Décor
Sears Marketplace
Brand State Farm Pedometer 50 Million Dollar Challenge - Battery Included

Brand State Farm Pedometer 50 Million Dollar Challenge - Battery Included

Brand new State Farm Pedometer from the 50 Million Pound Challenge. It works great and counts your steps when you attach to your belt or pocket. Batte...
eBay

$5.95

+$1.93 shipping
State Farm Logo Golf Ball

State Farm Logo Golf Ball

Sign up for my store newsletter new golf balls added weekly be sure to add me to your favorites list Combined shipping $3.00 first ball $1.00 each add...
eBay

$7.21

+$3.00 shipping
Farm Museums In The United States eBook

Farm Museums In The United States eBook

Buy Farm Museums In The United States by The Authors of Wikipedia and Read this Book on Kobo's Free Apps. Discover Kobo's Vast Collection of Ebooks T...
Kobo eBooks

$1.91

FREE Shipping
Horse Farms In The United States eBook

Horse Farms In The United States eBook

Buy Horse Farms In The United States by The Authors of Wikipedia and Read this Book on Kobo's Free Apps. Discover Kobo's Vast Collection of Ebooks To...
Kobo eBooks

$1.91

FREE Shipping
Fox Farm 790058 1.5 Cu. Ft. Ocean Forest Potting Soil

Fox Farm 790058 1.5 Cu. Ft. Ocean Forest Potting Soil

New 1.5 cubic foot bag of Ocean Forest Potting Soil Mix by Fox Farm Co. Ocean Forest ® Potting Soil Good Things From the Earth and Sea! The ultimate ...
eBay

$18.99

+$15.68 shipping
Fox Farm Ocean Forest 1.5 Cu Ft - Natural Organic Potting Soil Foxfarm Peat Moss

Fox Farm Ocean Forest 1.5 Cu Ft - Natural Organic Potting Soil Foxfarm Peat Moss

Package Price? Questions? Call Us @ 810-299-2420 M-F 9AM-5PM EDT NEW Fox Farm Ocean Forest 1.5 cu ft - natural organic potting soil foxfarm peat moss ...
eBay

$47.38

FREE Shipping
Farming

Farming

An introduction, in simple text and illustrations, to farming and the work done on a farm throughout the seasons.
eCampus.com
Farm and Tractors Personal Checks

Farm and Tractors Personal Checks

Spend an Evening on the Farm with These Tractor Checks! - From dawn to dusk, the farm is alive with animal sounds and the revving engines of busy trac...
Bradford Exchange Checks

$6.99

+$2.95 shipping