Frustrating Experience with State Farm
I wanted to share my frustrating experience with State Farm. Our agent has been unhelpful, dragging out our applications and withholding important policy information. We’ve decided to switch to All State, where we’ll be paying less for similar coverage, and their customer service has already been an improvement. Now that we’re ready to cancel our State Farm policies, they haven’t provided confirmation, and I’m starting to feel like I’m being given the runaround.
Here’s a little background on how we ended up here:
My wife and I became first-time homebuyers at the start of this year, closing on our new home in January 2025. In the lead-up to closing, we looked for home insurance and thought we found a great deal with State Farm. Given that my wife already had auto coverage with them, bundling our home and auto insurance made sense for a discount. Since I felt I was overpaying with Progressive, I switched my car insurance to State Farm as well.
Initially, our agent guided us through the application process, and aside from a few “Signature required” documents that we were told to ignore, everything seemed fine.
Red flag number one: About a month after signing and paying for my auto insurance, I still hadn’t received any policy documents. When I called our agent, she explained that transferring policies was taking longer than expected. I accepted this, even though it didn’t seem logical.
Fast forward to late last week, when I received a letter from State Farm’s Underwriting department, stating that they had not received a signed document for Uninsured Motor Vehicle Coverage Selection/Rejection—a requirement in Georgia. Apparently, those “Signature required” documents I was told to ignore were crucial.
While I understand I should read all paperwork, I felt misled by my agent, who discouraged inquiries and instructed me to ignore important documents. Now, our Uninsured Motorist coverage was set at an alarming rate of $220 every six months for 250/500/250 coverage, while rates in Georgia typically range from $20 to $40 for more reasonable coverage. Even after I tried to reduce it to 50/100/50, the cost was still high. This inflated rate is a key part of our savings with All State.
As I continued reviewing our policies, I discovered that our home insurance application was still pending—over two months later! When I questioned this, the agent offered excuses, including needing documents from our mortgage company, which wasn’t accurate. She then claimed that such delays are common, but when I pressed for specifics, she deflected responsibility back to me, stating that I could have pointed this out earlier.
Feeling frustrated, I began shopping for new insurance. Thankfully, the All State representative was helpful, and we found comparable coverage at significantly lower rates. While we’d pay more for home insurance, our auto insurance would drop more than $800 every six months.
We were ready to make the switch, with All State confirming our new policy starting tomorrow. However, when I contacted State Farm to cancel, I was first transferred to another agent and told to email my cancellation request. This was despite being on a recorded line with the All State representative trying to push back. After sending the email, I received a reply asking for our cancellation reasons but no confirmation.
Our State Farm agent later called to discuss our cancellation, offering unsolicited advice on comparing coverage—a bit ironic considering her earlier unhelpfulness. She then informed me that our home insurance application was “stuck,” so they couldn’t cancel it right away. I found it odd that they couldn’t just stop processing it since I had already stated I didn’t want it. I suspect they want to keep me liable for payments from January to March, so I may need to investigate that further.
To top it off, there’s still no confirmation about canceling the auto policy. If and when our State Farm policies are finally canceled, we’ll supposedly receive our refund by check rather
I’m really sorry to hear about your frustrating experience with State Farm. It sounds like you’ve been put through a very stressful situation, and it’s completely understandable to feel upset about the lack of communication and assistance from your agent.
As first-time homebuyers, you deserve to have clear and reliable support, especially when it comes to something as important as insurance. It’s disappointing that instead of getting the help you needed, you encountered delays and confusing directions. It’s concerning that your agent advised you to ignore crucial documents—those should always be addressed promptly.
Switching to All State sounds like a smart decision if they’re providing better rates and customer service. It’s alarming that you’re now facing difficulties even in the cancellation process; it seems like they don’t want to let go or acknowledge the problems you’ve faced. I hope you can resolve everything with them soon.
Thank you for sharing your story. Sometimes it helps just to vent, especially when dealing with a situation that feels unfair. Best of luck with your new insurance, and I hope you’ll have a smoother experience from here on out!