Reply #27: Sorry to hear that, but All State & State Farm were both horrible for us. [View All]

[Kittycat]

State farm refused to cover claims when another State farm person damaged our car. Claiming that they don't pursue state farm v. state farm cases. They wouldn't charge us the deductible, but the claim would raise our rates just for reporting it. They also didn't cover a homeowners issue we had. Then when we moved, we notified our agent that the new house had knob and tube, but that we had a union contractor to replace it all within 30 days. At first she was fine with it. Then a week before closing we were left scrambling to find a new insurance company when she notified us by mail, that she was canceling our policy because of it.

All State... Lightening hit our house, caused around $5K in damage. They increased our rates 80% - from $800 annually, to $1500. We lost our no claims discount (understandable), and then got a huge kick in the ass for apparently teasing god and forcing lightening to hit our house. Next time I'll remember to just drive my car in to it instead. Then at least I'd have someone to blame.

So now we're with Farmers, and our reps have been great. We did have our car with someone else when we were all state - AIG or something (they were great as well)??? But our rates were better overall with the switch. Now we have our cars and house insured for more - and it still costs around what we were paying before. Farmers was also nice enough to suggest sump pump back-up insurance - something that All State and State farm never recommended, but apparently would have caused us trouble if we flooded from that. Of course, it's not like State Farm ever paid out on a claim for us anyway (despite it not being our fault) - and we see what happens when All State pays out on an act of god.

In close... We switched to Farmers on suggestions of others, including my parents whom have had them for around 18 years now (and I know they've had claims on cars & house). It could be a regional thing, but we're in IL and have no complaints.