The agents are very easy to work with. The premiums are some of the best.

None

I strongly recommend State Farm. They treat me fairly well.

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None

They used to be very high quality for the premium price you paid. In the past you were guaranteed quick results with fast claim settlements.

They are very low quality now for the premium price you pay. Get ready for a fight to settle a claim - especially if it isn't a black and white issue. The beurocracy of this company and the multiple people you must deal with to get anything accomplished is a nightmare. Individually, the empoyees are friendly, but don't be surprised when you are lost in the paperwork. Don't expect full payment for what it costs in the real world to repair something.

Not recommended. My vehicle was in a minor wreck during an ice storm, the impact threw the balance shaft belt, causing engine damage (verified by a mechanic). They would only cover the damage to the dented fender because it was the only "visible" damage. The car ended up not being repaired and was sold as salvage. The rest of the story is too tedious to retell, but this is the type of service you can expect from this company.

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Allstate-much better in my case.

The premiums seem reasonable as long as you take advantage of multicar and other desirable discounts. Also have homeowners with them. If you find a good agent, it makes it a lot easier to deal with the company. I have received a few quotes from "discount" companies, and my SF rates seem extremely competitive (I'm guessing due to the discounts).
The brand name also makes it easy when dealing with auto contacts.

Without a good relationship with the agent, claims are not a pleasant or quick process.

I would recommend State Farm only to those who can find a good agent in their area. And by a "good agent", I mean someone who is willing to sit down with you and actually try and find what best fits your situation (not necessarily the highest premium) and someone who isnt afraid to tell you that you probably DONT need a product or feature. I think this advice actually fits most insurance companies.
I think the only real good time to evaluate an insurance company is when a claim needs to be paid. If claims are not paid in full and in a timely matter, all the rest of the fluff isn't worth the brochures they are written on. Fortunately, State Farm was up to the task on my only claim thus far.

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None in past 10 years.

Always get the cards on time, and staff isnt rude.

You do NOT....I repeat NOT get what you pay for!! They do not fight to win your claim at ALL, despite the easily proveable evidence! The only time they persue your claim is when you call them and ask them to, and even then you get the run around with the no positive results.

Pay elsewhere, stay away from them!! The paid representatives are lazy, and have to be constantly reminded by the client to do the job that they are paid for, unprofessional!!!! F-

Do not give them your monthly ransom on vehicle insurance, pay elsewhere.

Friendliness of staff

Lack of customer loyalty
Rate increases

Have been with State Farm for 9 years -- accident free and claim free. My rates went down approx. 20% when I turned 25. Then bad luck hit. 3 accidents in 2 years -- 1 my fault (I dropped my new motorcycle - cosmetic damage)in the 2 others I was rear ended(one at a red light & one in the snow) State Farm told me I was "high risk" and did not fit into their rate structure any longer. My entire family has used them for > 25 years. I asked for higher rates, but they said "TERMINATED" So much for loyalty...

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Progressive -- just starting

Never in my life have I met an agent who was so helpful (Dave Valencia), even with minor questions, my agent is there to help. The rates are great!! I just got married and they handled everything for me. The free towing has helped me tremendously (I used it three times in one month) and not once did they bat an eye. There may be one or two places that are a little cheaper, but I love the service that they give me, its worth the extra $5.00 a month (just avoid fast food). They also show me ways to lower my rates and get the coverage that I need. Even when I'm out of town other agents have been so helpful. ******

I would recommend this insurance to anyone who has a car. Like a said avoid BK or the Golden arches once a week and you won't notice a difference in cash flow. If you want service I feel almost all of their agents are there to help, even if your policy isn't with them.

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Oregon Mutual: A good company, the agent is the one that helped the most with that. Hartford of Conneticut: I would never carry insurance with them, the are the sleaziest people.........

Multi vehicle discount.The agent is right here in Calgary, unlike some insurance companies where you deal with someone in Toronto on a 1-800 phoneline.

Insurance rates increase dramatically for no-accident drivers every 6 months, so State Farm's rates are now much higher than other companies. Strangely, their rates for high risk drivers under 25 are lower than other companies, so it seems the good drivers are subsidizing the bad drivers in State Farm's pool of insured drivers.I switched 2 vehicles to Scotia insurance and saved about 60% on the premiums.Claims handling at State Farm is a pain, and none of the body shops like dealing with them, which then becomes YOUR problem.

NOT RECOMMENDED.

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Does not compare favorably with other companies I have used,e.g. Allstate, Scotia.

Great Rates, Personalized Service

No Weakness, only a wish - That I could pay my premium on my charge card

I have had an excellent experience with State Farm. The rates are good for NJ and my local agency (Ramsey, NJ) has been wonderful (personalized and freindly). I truly feel they are looking out for my best interest.

Additionally, every year I receive a reimbursement check back from State Farm due to the lowering number of claims submitted.

I have not had any tickets or accidents while being with State Farm, but considering my experience so far it's nothing I worry about.

DC

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Allstate (read that review)

The best service possible. Friendly and accessible agents. Offices everywhere. Monthly payments with no finance charges. They also have a deal with a bank in Chicago and will arrange financing for vehicles at excellent rates- no sliding rates.

Costs a little more, but I don't really think that's a weakness. You get what you pay for. They also recently settled a lawsuit for encouraging repair shops to use less than the best parts.

I've had two accidents with two totalled vehicles in the past three years. One was my fault and the other wasn't. When my truck was totalled, it wasn't my fault and I only had liability. State Farm had no obligation to me at all and they still helped me out. They passed along all paperwork that came through their offices and were generally attentive and supportive. The other driver's insurance were horrible to deal with. They avoided me and were unavailable and sleazy.

Last year I totalled a motorcycle at the race track at a "safety school". State Farm replaced it. My insurance went up, but that's the way it goes. I'm just happy they payed. It took them three weeks to take care of it and they were very apologetic. They said the damage was right on the line for totaling it and asked if I would like it replaced or repaired. I like that they gave me the choice. And they arranged financing for the totalled bike and it's replacement at a very good interest rate.

I am very pleased with the treatment I've received from State Farm. My family has used them forever and I don't want to use anyone else. I'm not tempted by lower rates since I feel that what I pay for is service. They're always there for me.

Excellent customer service.
No-hassle claims.
Could choose the repair shop I wanted.

None that I've experienced

I have nothing but positive things to say about State Farm Insurance. During the past two years I've had a string of bad luck - three accidents - only one which was my fault. For each claim State Farm was helpful and shielded me from the other person's obnoxious adjusters. I don't think I'm paying more than I would at another company and even if I was I would find it worthwhile to stay at State Farm. When I had to deal with Pemco (their customer's fault) it was a nightmare.