Years ago, I was in an accident (my fault) and I asked State Farm if filing a claim would affect my insurance, since if it would I figured I might just pay the damages myself instead. They assured me it wouldn't, so I had them cover the damages. Months later, about a month or so from returning from a deployment, I received an email from them, telling me they were dropping me completely, and that I had a couple weeks after I returned to find a new insurer. I do give them credit for at least giving me that time, hence the two stars, but to not only do that after telling me my insurance wouldn't be affected by the claim, not to mention while on deployment, was reprehensible. And coming back, things are very busy, so a couple weeks, hardly enough time to fully research insurance options under the best of circumstances, just added to the stress of everything. They lost a customer for life due to that. In fact, even the SF agent back home disagreed with what they did, so much so that he offered to cover me against their policy, which is the only reason I would ever consider them again. I would only use SF if I went through a local agent that I knew very well and trusted. But otherwise (and even then), I have no intention of ever doing business with them again.