Post # 1
I’m with American Family and I’m trying to switch over to State Farm right now. I wanted to do it today because my monthly payment with American Family is due tomorrow. My plan was to cancel with American Family today and switch to State Farm so that I wouldn’t have to pay a higher insurance payment with American Family.
Also, I should add that when I signed up with American Family originally, they only made me pay for one month upfront.
And I’ve been emailing back and forth with this State Farm agent all day because I can’t talk on the phone at work. And she takes forever to respond to emails! But I digress. Anyway, she just told me that she needs one month plus a month and a set up fee in order for me to switch today.
So apparently I have to pay two months’ worth plus a setup fee if I want to switch to State Farm today. Grrr! I don’t have that money! I can only pay one month right now. My finances are going to be tight until next month at the earliest.
I just want to freaking switch right now! State Farm, despite the annoyance today, is better and cheaper than American Family.
But it looks like I am gonna have to stick with American Family for the next month until I get some extra money to switch to State Farm.
Gah! Sigh. Okay. Rant is now over. Thanks for listening. :p
Post # 3
@LadyBlackheart: …sorry, that blows. Personal auto companies have gotten so very burned by people on the money front, they ask for a lot more on the front end than they used to because people would pay a month’s premium, get the auto ID card to like register their car and then let it all lapse….
It makes the people who do it right pay for their bad behavior….and I’m sorry!
Post # 4
I’ve heard that if you call your insurance company and mention you’re thinking of switching, sometimes they try to work with you to lower your rate.
But then again, don’t take that one from me 100% – I’d look it up online and ask some people about it.
If it’s true, it could help in the meantime (and maybe even save you some money!)
Post # 5
- Wedding: November 2013 - St. Augustine Beach, FL
@LadyBlackheart: And that is exactly why State Farm lost my business a few years ago. That and I couldn’t pay my bill online (I think they have fixed that at least.) So I switched to GEICO and haven’t had any more issues with making changes or payments.
Post # 6
@beachbride1216: YEAH, GEICO!
I have strong opinions on insurance… And they are all pro-Geico.
So OP, I vote you switch to Geico instead of State Farm.
Post # 7
My SO just switched from State Farm to Geico and it was a GREAT move for her! I’m still with State Farm…they’re okay. I’m only still with them because they don’t know I moved, about my tickets, or my accident (not at fault), and I’m on a multicar plan with my mom. My payments would probably increase if I switched
Post # 8
Wow, I actually just switched from American Family to State Farm and my agent took care of EVERYTHING for me. It was super easy and I’m saving more about $25/month. 🙁 I’m sorry, maybe look into a new agent?
I only paid 1 month’s worth. That’s weird that they would ask for 2, IMO.
Post # 9
@vivalasylvia: Hmm. Maybe I do need a different agent. I don’t know lol.
Well in a month, right before my next payment is due with American Family, I’ll go shopping again for car insurance.
I’ll check out Geico and Nationwide. My parents have Nationwide and they’re pretty happy with them.
Post # 10
@LadyBlackheart: this is a really round about suggestion and may or may not be helpful. Our situations were a bit different but ill explain anyway.
I had gotten into an accident in august. By accident I mean I bumped (more like pushed) into a car while backing up and cracked their tail light. the damage was less than 200 dollars. My insurance company wanted to raise my rate from 180 a month to 300 a month because of the accident. So I wanted to switch so I woudn’t have to pay tha tmuch. I ended up with all state. they were going to keep me right at what I was used to paying even though I had that small accident. So I called to make the switch after asking all the appropriate questions. Imagine my surprise when they say “oh we need a double payment to start the policy”. Well stardust didnt’ ahve that kind of money at that moment and I NEEDED to make the switch that day or I ran the risk of driving uninsured. So what we did was, I signed up for the policy with liability only and only paid the double payment for that which was way less out of pocket. that did mean though that my monthly payments were a bit higher than they would have been had I made the higher double payment. In the end im paying the same amount, it just got me out of the big chunk up front. I just ended up calling back that night and changing over to full coverage. It’s kind of a round about solution but I would ask about it. Just make sure you find out how much your payment will be for the term because it does go up monthly if you do it this way. I ended up ok because even with the higher payment it was still much less than sticking with my current company and as soon as the 6 months is up my rate will drop significantly. So it was the right move for me. It may not be for you but it can’t hurt to ask.
By the way, I have always had to make a double payment to start up my policy when getting new insurance.
Post # 11
@LadyBlackheart: So sorry! I hate when you can’t talk at work! But this does sound normal. And since AMFAM is due tomorrow, they will have to pull it from your checking anyway (there’s no way to stop it now). So probably best to use the next few weeks to move it over to the other company since you already will be paying for AMFAM for another month.
Make the switch well before a payment is due.
Post # 12
@LadyBlackheart: another vote for Geico!
When I was looking for a new insurance company a couple years ago (AAA sucks), I checked out State Farm but decided not to go with them. I had a point on my record from 2 years before then and State Farm wanted to charge me $2000!!! a year for up to FIVE years from the date of the citation, whereas GEICO was like, $1600 BEFORE all the discounts. Plus, they would calculate the point against me for only 3 years, which meant that after 1 year with Geico, my premiums dropped even further. Woot!
Post # 13
@LadyBlackheart: Haha I just switched OFF of State Farm!!
Post # 14
i have Esurance and its great, and they have top notch customer service. i do think switching is a pain but i worked for geico before so i inderstand why its a pain because it costs more to gain a new customer for them upfront so thats why the fees are so high.