State farm is teh Ghey

SON240sx Automotive
1

My mom works beside state farm who i am insured with. Well it just so happens that my mom is friends with my agent aswell. She tells my mom that I have two tickets that are going to affect my insurance and i need to bring in my report card from last year to get the good student discount.

I go in to see her today at 9am. She slaps me and says u dummy u have two tickets. We get to her computer and what are those tickets you ask? One is “False start from a stop”(originally a not signal due to not working signals but lowered in court) and the other was a LEGIT 11 over the speed limit. Or on her computer "speeding under 17km/h. So i said ok well how much am i looking at here.

So i say well how much is it going to cost me. She goes well currently you are paying 1500 for every 6 months. With these tickets and without ur good student your looking at around 4500. With ur good student 3300. So im like hmm 2 retarded harmless tickets and it more than doubles? does this make sense. Wait no it doesnt state farm is gay. So i say well i allready have a quote for 170/month. She says with who, i say belair. She goes oh no not belair. They check run a check on u every month, if u get one ticket ur premium doubles blah blah the basic insurance stay wiht us BS…Well i said to get, if u want 3300 thats tripple what they want to charge me.

I go home, call them up ask them a series of questions i had prepared. It turns out that ur on a one year contract term. A locked rate, so even if u get a ticket it wont be untill you get a new contract that it will go up, and they warn u 45 days in advance that it will go up. There is also a cancellation fee which is a percentage of whats left. Which is dick all. When i go to school in september im better off keeping my car with me because its cheaper for on year with belair than it is with statefarm for 6 months…

What did i learn in the end…never listen to ur mom when she goes “My friend is an agent she will look after you” 2 years of being fucked with by state farm is over. They are over charging bastereds and make too many billions to rip people off like this…im happy now that ill be paying 170 a month…HAHA oh ya this is for my buick…but the 240 will cost me 230 full covered so 2800 a year which is still cheaper than state farm for 6 months HAHAHA fags…

anyways thought id share my experience today with ya’ll son’rs out there

2

Tell you mom that agent is NO friend. Sounds more like a mortal enemy.

3

Hey man i am with state farm i am paying 260$ a month i am 19 …i did have a careless driving on my record but i went tn a first attendence and my record is totally clean now, so i dunno state farm was the cheapest i could find for my car some insurance would not even insure a new driver when i started to drive others wants 500$ and up month so i dunno i have had a good experince with them…

4

state farm starts out cheap - then they try voiding the “discounts” they have given you. that’s what they tried to do to me.

5

State Farm tried to bend me over numerous times

First off they sent me a letter saying they were not going to renew my policy, because they were no longer insuring people under 25.

Fine, I’d heard of them doing this … problem was, I was already 25.

They apologized, but informed me, that due to their “losses” in payouts last year (they lost negative $7,000,000) my rates were going to go up. I got my 25 years-old discount, but their “newly adjusted rate” was miraculously the same amount I was paying when I was 24. To the cent.

Took my car off the road for the winter. Called in to cancel my insurance. Over the phone, it was all good, once I explained I would renew in the spring time.

A month later, I notice hey … money is missing from my bank account. Got my statement, and sure enough, State Farm kept withdrawing my monthly payment.

Enraged, I called them up. Apparently, since I never sent in a written letter of cancellation (which was never mentioned when I called to cancel) they only suspended my account for 15 days, then started it up again. Guy was somewhat apologetic, said he’d put a note on my account to not uncancel it again.

Another month goes by, this time I get a $25 NSF charge from my bank. Called the bank, and State Farm had tried to take out my insurance payment, but since I hadn’t put any money in my chequing account, they couldn’t get it.

Again, I call them up, screaming and yelling. Same song and dance about needing a letter from me. As I’m talking to the rep, I print one off quick, full of expletives and such, sign it, and fax it to him. I get a phone call about 10 minutes later telling me a fax won’t do. It needs to be registered mail. Off I go to send it.

A week later I got a letter from State Farm. Great. Finally confirmation of the cancellation. Or so I thought. It was a letter of cancellation. State Farm canceled my coverage DUE TO NON-PAYMENT!!!

Guess who ends up with a black eye on his insurance record for cancellation? Somehow, not being able to pay for your insurance makes you a more dangerous driver. State Farm offered to take me back at about $4,000 a year. That’s for a 25-year-old dude (then … sigh) with a 100% squeaky clean driving record.

No other insurance company would touch me.

Now, thankfully it’s off my record. But, because I didn’t drive for the past while (well, I had no record of insurance for that time) I’m back to being considered as high a risk as any of you 17-year-old stick shift RWD neophytes.

And for the record, my State Farm agent was a friend too. Agents can’t do fuck all. The only way she could screw with the numbers was to say I was married.

Insurance is teh Ghey.

State Farm just happens to hung like a mule … with a barbed schlong, and STDs. And they won’t even buy you dinner.

6

you got it easy

i pay over 400 /month on a 92 dodge shadow

7

with how many accidents or tickets?

8

I pay $291/month for my car. 18, clean record. thats without full coverage but i have fire, theft, vandilism. From what i hear from a teacher of mine is belair is good with their cheap rates until you get into an accident that is your fault. Then they take their sweet time to pay you. He says his sister got into an accident over 7 months ago and still hasnt got anything. I dont know if this has happened to anyone else but i guess thats how they keep their rates down.

9

Bel Air is the best bar none. Due to some problems with my bank, I got nailed three times with non-payment. They contacted me to warn me that they were going to cancel my policy in 45 days, and I told them is there any way this can be fixed. They just asked me to pay next month’s in advance. I did it. They fixed it. Nothing happened to my rates or anything.

10

All State… $153.08 a month

1 speeding ticket & 1 at fault currently on my record. previously had 3 or 4 speeding tickets all which are off now.

And they know my car is modified but dont care :stuck_out_tongue:

11

you guys are all getting raped! for my 240 and my bike i pay just about 150 per month which includes full covereage for both my bike and car and once i decide to park them away for winter i only have to pay 4 bucks a month for fire and theft…

so i suggest you guys find other insurance companies

btw im 20 and on my g2.

12

…and not from Toronto/Scarborough (according to your sig, sorry if i’m mistaken).

The area you live is one of the biggest factors, right up there with age, driving record, and car model.

13

Many of you pay less than I do and I’m on group insurance, clean record since I started driving at 17 and I’m probably older than most in this thread. My area is high risk area for accidents according to my insurer. I get bum raped because of it. Insurance is a scam, what can I say, if you want to drive you have to pay. Until our wonderful government puts an end to this (which they won’t), nothing will change unless you get married.

Andrew.

14

yeah andrew, you get it like the worst of anyone i have ever heard of…its ridiculous.

you gotta find a way to cheat the system.

15

lol stupid insurance… rips ppl off… alot of ppl dont even have insurance lol some 240sx owners aswell lol BUT DONT DO IT… always insure car before driving… better safe then sorry

16

silverwheel bitches! $200/year

17

I’ve heard a little bit about them, what’s the deal with it exactly? I thought they put milage limits on your vehicle because it’s considered to be a “Sunday Driver” basically. Can you expand?

18

Who here has 10 years driving experience and another car insured?

Plus the savings you get from silverwheels is offset by the premium you have to pay on the beater.

19

Yea I am 17 years old, I pay $239 a month at Belairdirect, I never had anyproblems…they always inform me about everything and its good service…My record is squeaky clean but that locked contract is true and you also have 7 months or something to clear your record with a mint record after that or something I forget what the dude told me.

20

belair seams to be the good way to go for us young bucks…im turning 20 in two days and have been paying $300 since i was 17