Question about State Farm

[Vich]

Is it a better idea to buy it all online at StateFarms' website, or go to a StateFarm agent. I feel an agent can explain everything to me better. However i'm worried if they charge a ton? Or will it be the same price as online?

-Rich

 

[j00fek]

why would it be more?

 

[PAB]

Originally posted by: Vich
Is it a better idea to buy it all online at StateFarms' website, or go to a StateFarm agent. I feel an agent can explain everything to me better. However i'm worried if they charge a ton? Or will it be the same price as online?

-Rich

Unless you live in Indiana, you cant buy insurance from state farm online.

 

[lokiju]

They'll charge the same price as online and will often times find ways to save you even more that you wouldn't otherwise even have known about.

 

[Vich]

Originally posted by: lokiju
They'll charge the same price as online and will often times find ways to save you even more that you wouldn't otherwise even have known about.

:thumbsup:

 

[jadinolf]

The nice thing about State Farm is that they have real people to talk to. Go see them

I've been with them for 46 years and no complaints.

Renter's insurance is cheap from what I hear.

 

[mattocs]

Either way an agent has to come to your house or apartment and look at stuff.

 

[BoomerD]

O RYLY?
I had renters insurance for years and never had any agent come for an inspection. Even after our garage got burglarized and I turned in a HUGE claim for stolen tools and misc. we were not inspected. MAY be standard in some places, but I never experienced it...
Keep a very detailed log of your personal effects that you want covered, including receipts (if you have them ) serial numbers where applicable, and take photos of the stuff, in case of a claim, so you can actually prove you owned said stuff...

 

[Schadenfreude]

Originally posted by: BoomerD
O RYLY?
I had renters insurance for years and never had any agent come for an inspection. Even after our garage got burglarized and I turned in a HUGE claim for stolen tools and misc. we were not inspected. MAY be standard in some places, but I never experienced it...
Keep a very detailed log of your personal effects that you want covered, including receipts (if you have them ) serial numbers where applicable, and take photos of the stuff, in case of a claim, so you can actually prove you owned said stuff...

Through whom? Many different insurance companies have different working policies;

State Farm, on a bigger claim, would send out a field evaluator to examine the loss. It is, however, a good idea to keep track of what you own . . . you wouldn't believe what some people try to pass off as owning.

<-- State Farm claim lackey 😉

 

[BoomerD]

Had State Farm till we moved to Kahleeforneeya, then dropped them and went to Farmers. (surprisingly, they were MUCH cheaper) State Farm took care of me when my motel room got burglarized one time, and all my clothes and stuff got stolen, with no investigator. (I submitted a detailed police report). Farmers went from police reports and my itemized lists, and never sent a claims adjuster or agent to the house. In both cases, we had been customers for years with no previous claims against the policy.

 

[Slick5150]

Originally posted by: mattocs
Either way an agent has to come to your house or apartment and look at stuff.

I've had renters insurance from State Farm for 4 years, and have never had anyone come look at my stuff.

 

[theknight571]

I had State Farm when I was living in an apartment. When I initially signed up, I called the office closest to my house and they setup a time to come and talk to me at work... so I wouldn't have to take time off.

When I got married and moved I just called my agent and he took care of everything.

He did do a quick once over of the house when I moved, but nothing major.

I don't think they ever came out and looked at my apartment... but then it was a large complex and they may have already been familar with it.

I haven't <knock on wood> had to file a claim...so I can't say how good/bad they are.

 

[aswedc]

State Farm auto insurance tried to fvck me over bad. I would never use them again. Just wanted to put that out there. YMMV.

 

[doze]

Call around or request online quotes from several different places before you buy renters insurance as prices for the exact same plan from big insurance companies can range from $100~300 per year (for a single guy with normal coverage). I ended up going with Allstate b/c they gave me the best rate but rates also vary by location.

 

[TubeTote]

I'm an insurance and securities agent/broker (not with State Farm). I can't stress the importance of having a personal relationship with your agent or broker. Do you want service? Do you want to understand the product you are buying? If an agent or broker cares about his or her customers, they will take the time to explain your policies, visit with you in person, and get you the best possible rate with the most discounts. The online services are the biggest contributers to my business due to customer dissatisfaction.

 

[PAB]

Originally posted by: Schadenfreude

Originally posted by: BoomerD
O RYLY?
I had renters insurance for years and never had any agent come for an inspection. Even after our garage got burglarized and I turned in a HUGE claim for stolen tools and misc. we were not inspected. MAY be standard in some places, but I never experienced it...
Keep a very detailed log of your personal effects that you want covered, including receipts (if you have them ) serial numbers where applicable, and take photos of the stuff, in case of a claim, so you can actually prove you owned said stuff...

Through whom? Many different insurance companies have different working policies;

State Farm, on a bigger claim, would send out a field evaluator to examine the loss. It is, however, a good idea to keep track of what you own . . . you wouldn't believe what some people try to pass off as owning.

<-- State Farm claim lackey 😉

Some lackey in Winter Park had the nerve to call both my soda machines and 72" bbq grill business property.

Which division do you work out of?