State Farm is Tragically-corrupt, and dishonest. I started doing comparisons online in mid-October. I got a quote of something in the neighborhood of $40 or $50 dollars from State Farm. I called in to the Agent, and She said That'll be $200+ (Almost just Shy of $300.) I said there Seems to be quite a disconnect between what I was Quoted, and what you're Trying to Charge me...and, I don't think there is any way even to Bridge the gap, because you are just too high. She said "Wait a minute, Sir. There seems to be a problem with my Computer system, that is just the numbers that it Autofills-in. I was within milliseconds of hanging-up. We eventually did, however, get it down to $67. She still had all kinds of junk coverages, I had Never asked for, that she threw-in. I was happy (Sorta) with the $67 dollar rate.
A few days later, I asked why we had the Uninsured/underinsured coverages on there, If I had never asked for them. I also Asked, why the Property portion was Raised without my consent, on Each of the Cars. She said she will remove the UM, and have it backdated to the Beginning of the policy, as it Should be. I said great, Thanks!!
Weeks went by, and I kept asking, about the UM being on there. She said Fine, it has been taken off and I backdated it. That never happened. I called in for weeks, kept asking why it's Still on there. Nothing happened. This, After I was told it was *ALREADY* Removed!! If it is already removed, why, then, is my rate exactly the same? It didn't make sense. She stopped answering my Calls. Such a Simple request, right? Messages to her State Farm portal were Never answered. So, I emailed her repeatedly, over the course of eight weeks, 'No Response'. "Like a good neighbor, state farm is there." I also left Voicemails, which were Never returned. No email was returned. No phone call or message was Returned. Complete Radio Silence.
Why, then, is is so Impossible to remove coverages that I had Never Requested, and explicitly said I didn't Want?!? She Constantly Tried to Upsell me. That was before she Stopped talking to me. Constantly. On Everything. She Added Stuff to my Homeowners' policy, Also, without my Permission. Things that I also didn't want, and had never requested.
I Figured-out, that I would have Better Luck, in communicating with Another of her Staff. This worked good, for a Little While. They had me send them back these forms to Reject UM (Why, do I even need to Sign these, in the first place?) Okay, sent them back immediately, and she said she's get them over to Underwriting, and they'd remove them from All cars, and once again I was promised, in Writing, that it would be Backdated back to the beginning of the Policy. Well, you guessed it, That never happened, and, Once again, I was Left with Empty Promises. AGAIN; Days turned into Weeks, Weeks Turned into Months. And, I'm back at Calling them up Again and doing My Own Following up... for Them. It turns-out, it was Never applied.
Now, my premiums went up by an Astounding 50% ...maybe This is retaliation?!? Why not went down, why went Up?!? A Marked 50% Increase, This, despite the Fact that I *Literally* am not Driving *any* of my Cars, Just in time for the Holidays state farm decides to rip us Off. Great! No Explanation was Given. We believe, She 'deliberately' Sabotaged our Premiums, so that she could get a Hefty Commission. At the Expensive, or her Own customer! Merry Christmas.
A second Agent's Office, asked for the Same Forms, and Supposedly Sent them in. STILL** no change, after two months of Fighting this! Wait, after numerous More inquiries, I'm told that they Selectively-applied the UM to Just one Car....my cheapest Car! Ha! How do you Like that? I submitted the Forms for All three cars, at the exact same time, to numerous Agents, and what do I get? A partial decrease, on just One car! What! WHY?!? no backdating, STILL, to Speak of. This makes zero sense, why they would do This. Well, it Does, if you think State Farm is Just out to Scam people for the holidays.
I called-in to State Farm, on the 17th of December. The representative that Answered sounded so Incredibly Supremely annoyed that I had bothered her. This, is before I explained any of the Details! She listened to my Complaint, and Said she'd get me Right-over to an Agent who would help me, and we cold, Finally, get some of these Issues resolved. "Click!" Call dropped, with a thud. This, apparently, was Deemed a 'successful' resolution phone call, by State Farm. I was given an opportunity to leave feedback on the Call, after this Disconnection which I previously had Opted-in to. I left all 1-Stars, since the agent Really didn't Help me at all. ...Nobody ever Reached-out to me on this. Merry Christmas
To date, State Farm has never Once honored the Terms of all of their written, legal documents. They have not held up oral Promises. Or emails in Writing, from Multiple Agents). We never got any of this promises. Nothing, Just Lies. read more