So I've had State Farm for 32 years. My daughter turned 16 about a year ago and we put her on our insurance.
Her insurance rate was nearly 5x that of mine or my husband's....but that was expected. Well, in March she got into a fender bender. No damage to her car, a scratched bumper on the other (with "victims" screaming about how injured they are). Payout for physical damage was $600, not sure about the medical but the "victims" lawyered up.
Then in July, she was in a major accident that totaled her car and another (no injuries). Well, because of the two back to back claims, State Farm DOUBLED her insurance. We went from paying about $415/month for her, myself and my husband to over $636. Doesn't matter that I paid for those claims probably 10x over and then some in the 32 years I've been with them.
Nope. Not only did they increase her rates but they added a "penalty" or "fee" I can't remember what they called it. I called several insurance companies and reduced my auto AND homeowners insurance by close to $5K by going with Liberty Mutual.
Actually, I'm glad they did that to me. Probably saved me money in the long run.
Product or Service Mentioned: State Farm Insurance Auto Insurance.
Reason of review: Poor customer service.