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Been with State Farm since 2010, claim for accident in 2013 and then one November 2015 (we were NOT at fault for that one) and they drop us. A lot of balls to drop people for using the insurance that they pay monthly for. State Farm is a joke, bunch of *** and is obviously only out for the money and not for customer service.

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What is your credit score? Consumer reports have a great deal to do with how much of a risk you are considered to an insurance company.

A low credit score coupled with a couple of accidents within 5 years could easily slot you in the high risk category.

The usual statistic is one claim every 7 to 10 years. More than that, they're worried you'll be turning in the claim soon.

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