Hello everyone, my name is Marvin and I am a college student. 3 Years ago, I moved from Florida to…read moreMinnesota. Since Florida, I have been using State Farm and I was very satisfied with their service. So when I came to Minnesota, I did not hesitate to transfer my car insurance directly to this agency of State Farm. Garrett and Tony were quite welcoming and friendly. The first bill was in October 2017 and the total cost was $173.34 (which about 50% higher than I used to pay, but I thought it might just because of the state law and stuff), so I paid. Two months later, I had a small red light rear-end accident, no one was harmed, and the cars were completely fine. But for the first time involving something like this, we were so scared that we called our insurance companies immediately. For the rest of 2018, because of this record, my insurance payment rose to $239.15 and stayed that way. Until August 2018, it even rose to $296.32. Thank God I studied in the UK for six months from January 2019, so I suspended all insurance during this period. When I come back in August 2019, guess what happened? State Farm asked $315.66 a month. And this time, even the company representative found something's wrong, so they began to contact the State Farm head office and try to figure out what happened to my insurance. $300 car insurance? As a student, if I keep paying it, I will be soon enough broke before graduation! I finally decided to stop the entire insurance with State Farm before they charged me any dime again.
In September 2019, I started using P insurance company. In this insurance company, I got all the coverage I've got from State Farm, and I only need to pay $106.92 (this is still the case with that small accident record I had).
In the new year of 2020, my record was finally officially eliminated after three whole years. Now I only pay $89.96 per month and still get all the benefits that I used to get from State Farm. If you want to do a calculation, if I started using P company instead of State Farm back to three years ago, and paid $89 instead of $173, $106 with the accident record instead of $239, $296 or even $315, I would have saved a LOT OF money. In fact, over these three years, I spent an extra $2,201 for nothing, Isn't this just a terrible thing? I'd like to say that I'm not aiming at this specific State Farm agency. In fact, the staff here, Tony and Garrett were very nice gentlemen. I am only complaining about this unfortunately successful insurance company and their unreasonable charging system. Buying insurance is not buying clothes. The price does not necessarily determine the quality. I would like to suggest that if you can find an not necessarily famous insurance company that can offer you the same coverage for a cheaper price, choosing them will save yourself to a huge amount of unnecessary expenses. Thank you for your time in reading my story.