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  #1  
Old 03-22-2009
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Icon5 State Farm Insurance and advice

Has anyone else with State Farm,or any other insurance company for that matter, notice an increase on rates due to "Change of vehicle rating group?" Apparently, State Farm has declared Ford Rangers and their drivers to be at higher risk of accident than previously accessed.

This increase amounts to $13.40 a month and has raised my bill to $92.70 a month. I currently carry full coverage, with $500 deductables, and my truck is paid off. I am 29 years old, have no tickets or accidents on my record.

I have been with state farm for 13 years, but am considering shopping for new insurance. From my information am I getting a fair deal or should I shop around. I appreciate the help!
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Old 03-22-2009
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Quote:
Originally Posted by Louis View Post
Has anyone else with State Farm,or any other insurance company for that matter, notice an increase on rates due to "Change of vehicle rating group?" Apparently, State Farm has declared Ford Rangers and their drivers to be at higher risk of accident than previously accessed.

This increase amounts to $13.40 a month and has raised my bill to $92.70 a month. I currently carry full coverage, with $500 deductables, and my truck is paid off. I am 29 years old, have no tickets or accidents on my record.

I have been with state farm for 13 years, but am considering shopping for new insurance. From my information am I getting a fair deal or should I shop around. I appreciate the help!
Well, when I had my Rx8 they said it went from "high performance sport" to "super high performance sport" bracket, raising it like 200$ per year. I called them to ask about this saying "why can a vehicle with 159 ft-lbs of torque be considered "super high performance sport" but the girl had no clue. (This was just a ploy because I was actually turbocharged at the time getting ~240 ft-lbs haha)
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Old 03-22-2009
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I don't think my insurance has gone up with my Ranger on the plan....I would probably call them and tell them you've been a valued customer, and if they would like to keep you as one, they should give you a clearer explanation as to why your insurance rate went up, and see if they can do something about it.
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  #4  
Old 03-22-2009
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I think there is something wrong there because i just got quoted for my 2005 FX4 Ranger and it is 518 dollars every 6 mths and i am 25 yrs old with no tickets and one accident on my record. I have progressive insurance
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  #5  
Old 03-22-2009
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state farm lowered mine 11 bucks recently for a change in bracket, but then just this week they raised it 15 bucks cause apparently they thought i owned a house in another city and was getting a discount for it.... annoying really....
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Old 03-22-2009
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Ya I have state farm. I do not think my insurance has changed any.
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  #7  
Old 03-22-2009
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i've been with State farm for 25 years.
my monthly payment is $69 for full coverage, glass, $125,000 property damage, $50 deduct, road service, car rental. i'm 41, though and have no tickets on record and last accident was 22.5 years ago.
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Old 03-22-2009
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No problems here with State Farm. I've got 2 vehicles and life insurance through them and no increase in the rates lately.
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Old 03-22-2009
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I always shop around. Sometimes you can use a lower rate from another company to get your company to come down a bit.
Don't however make the mistake of ONLY considering low cost. The reputation of the company counts for something also.
I for instance, will NEVER insure with All State. You are NOT in good hands with them. IMO
As for State Farm. I used them for many years for both my auto and home insurance.
I switched to another company for some reason. When I moved from Calif to Tenn I decided to go back to State Farm.
I told the State Farm agent that I had a speeding ticket ABOUT 3 years earlier, but I wasn't sure of the exact date.
He said, in that case not to bother reporting it. They had a 36 month limit on moving violations at the time.
I was close enough to the limit to ignore it. About 2 months later State Farm canceled my insurance.
They said my ticket was only 34 months old when I applied for insurance and that I had lied about it.
When I went back to the agent he said there was nothing he could do. I don't really blame State Farm.
It was the agents fault. But I have not insured with them since. That's been almost 20 years now.
BTW I pay $325 every 6 months with my current company.
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Old 03-22-2009
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I have state farm and haven't had this problem yet.
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  #11  
Old 03-22-2009
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try progressive they are cheaper than anyone else
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Old 03-22-2009
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Mine is $646.00 for 6 months for 2 trucks. I got full coverage on my 4x4 and I got it set for pleasure only driving and my beater as my DD,only liability for it though.
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Old 03-23-2009
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Originally Posted by ranger1999 Bob View Post
try progressive they are cheaper than anyone else
I'll second this. My driving record is not anything close to pristine. I've got a couple serious violations on there. I had State Farm but they canceled my policy. Went with Progressive, 100/300/100, 500 deductible, glass, roadside, the works, and it only winds up being $100 more each year than with State Farm. Their roadside assistance is EXCELLENT too. Full reimbursement for my last tow, which was 41 miles. Give them a call if you're in the mood to shop around.
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Old 03-23-2009
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Im about to switch to state farm they will be saving me about 100 bucks a month.
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Old 03-24-2009
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Im about to switch to state farm they will be saving me about 100 bucks a month.
If you have a good driving record, State Farm is great. My Dad's been with them his entire driving career and pays next to nothing.

Going back to the initial post, since he has a clean driving record it does seem odd that they're raising his rates. Personally, something's not right there so I would shop around. It can't hurt to get some quotes from other companies.
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Old 03-24-2009
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Really Mine went down because of my ranger.....I have st farm
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  #17  
Old 03-24-2009
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Quote:
Originally Posted by Louis View Post
Has anyone else with State Farm,or any other insurance company for that matter, notice an increase on rates due to "Change of vehicle rating group?" Apparently, State Farm has declared Ford Rangers and their drivers to be at higher risk of accident than previously accessed.

This increase amounts to $13.40 a month and has raised my bill to $92.70 a month. I currently carry full coverage, with $500 deductables, and my truck is paid off. I am 29 years old, have no tickets or accidents on my record.

I have been with state farm for 13 years, but am considering shopping for new insurance. From my information am I getting a fair deal or should I shop around. I appreciate the help!

Get married, it will cut in half

seriously though, i have a 2000 with 250/500 on the liability side and 500 deductible on both comp and collision, and i only pay 49 a month with state farm. The city i live in here in Iowa has the highest insurance rates for the whole state. So i think im getting by pretty good on my end.
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  #18  
Old 03-24-2009
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Quote:
Originally Posted by MemphisSenior View Post
I always shop around. Sometimes you can use a lower rate from another company to get your company to come down a bit.
Don't however make the mistake of ONLY considering low cost. The reputation of the company counts for something also.
I for instance, will NEVER insure with All State. You are NOT in good hands with them. IMO
As for State Farm. I used them for many years for both my auto and home insurance.
I switched to another company for some reason. When I moved from Calif to Tenn I decided to go back to State Farm.
I told the State Farm agent that I had a speeding ticket ABOUT 3 years earlier, but I wasn't sure of the exact date.
He said, in that case not to bother reporting it. They had a 36 month limit on moving violations at the time.
I was close enough to the limit to ignore it. About 2 months later State Farm canceled my insurance.
They said my ticket was only 34 months old when I applied for insurance and that I had lied about it.
When I went back to the agent he said there was nothing he could do. I don't really blame State Farm.
It was the agents fault. But I have not insured with them since. That's been almost 20 years now.
BTW I pay $325 every 6 months with my current company.
This man has insurance experience. lol

I have state farm. $415 every 6mo going on the same policy as my parent's house. 19 y/o, one ticket on record, student & good grade discounts.
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Old 03-24-2009
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Originally Posted by MemphisSenior View Post
I for instance, will NEVER insure with All State. You are NOT in good hands with them. IMO.
screw allstate.

my girl got tboned in her 02 hyundai accent back in december by an 06 silverado ... hyundai totalled, silverado ran the light ... both drivers allstate

so first allstate said they couldnt determine whos fault it was ... then it took them TWO WEEKS to go look at the car at the shop it was towed to ... then once they determined that it was totalled it took them another MONTH to cut her a check .... she had full coverage too the check should have been cut immediatley following it being totalled thats what full coverage is suppoed to be fore.
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Old 03-24-2009
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Quote:
Originally Posted by Louis View Post
Has anyone else with State Farm,or any other insurance company for that matter, notice an increase on rates due to "Change of vehicle rating group?" Apparently, State Farm has declared Ford Rangers and their drivers to be at higher risk of accident than previously accessed.

This increase amounts to $13.40 a month and has raised my bill to $92.70 a month. I currently carry full coverage, with $500 deductables, and my truck is paid off. I am 29 years old, have no tickets or accidents on my record.

I have been with state farm for 13 years, but am considering shopping for new insurance. From my information am I getting a fair deal or should I shop around. I appreciate the help!
Im on my parents insurance but we also have our home owners, car, and life insurance all on one policy. We have 4 cars and a motor home on our auto so we get multi car discount and a discount for have all our other insurance there. We ust to have just full coverage on my dads altima because we had a loan on it. everything else was liability and a 500 dollar deducible . my truck alone was 500 every 6 months. but some how now we have at least comprehensive on all our vehicles and full coverage on my dads altima and my focus. my focus is 750 every 6 months because of my speeding ticket and accident but we were saving money. Now we have comp on every vehicle and a 100 dollar deducible. for 100 less dollars ever 6 months.


I think you need to talk to your agent and see if they can do something like what they did for my mom when she called and talked to them. our agent knows my parents and i by name since we have been here for a long as time.
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