State Farm Review

Accidents happen and State Farm understands that. They also understand renters insurance, homeowners insurance and automotive insurance. I hold all my insurance poilicies with State Farm and have since I was old enough to drive.

And yes, I've been in car accidents while insured with State Farm, two actually and one was my fault. One the first accident I totalled my car and was listed as an individual on my parents policy at the time. Because of their long-standing relationship with State Farm, I got accident forgiveness and my rates stayed the same and my coverage stayed the same.

Then I was hit by an uninsured driver who's car was not registered either. What a nightmare. I had to cover my deductable to get my car fixed but fortunately the damages were estimated over my deductable which now meant the uninsured owed State Farm money. They explained the process of trying to collect from the driver and explained it would take time. Yes, it did take time and they were able to collect on 95% of what was owed to me. And considering the situation, and I wasn't ever expecting to see the money again, this was a pleasant surprise. And once again, no change to my rates or coverage.

State Farm is the way to go. They also offer multi-line discounts if you have multiple policies held with them. So talk about a savings! And my local office is always on top of things.