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Message
What’s the point of a State Farm “Insurance Agent”?
Posted on 4/21/21 at 2:16 pm
Posted on 4/21/21 at 2:16 pm
I’m probably the most difficult guy in Lake Charles to deal with insurance wise because I ask so many questions. I hedge risk.
I had an agent. I have never talked to this goofball about anything and I’ve been with him for over a year. He never advised me on insurance limits or anything. Every time I call the office I deal with an employee.
Why do these goofballs even get paid if they never deal with “actual customers”.
Transferred my business to a smaller agents outfit. See if the level of service changes.
What got me to switch my insurance is I call these people about a quote for flood insurance.
I don’t get any information besides a request for a land survey. I have to go to their office, drop it off. Nobody will talk to you.
I get a quote in the mail. Nothing else.
Just a print out, no follow up. Lost all 6 lines of my business that day. It’s like $763/mo. Apparently not very important.
I had an agent. I have never talked to this goofball about anything and I’ve been with him for over a year. He never advised me on insurance limits or anything. Every time I call the office I deal with an employee.
Why do these goofballs even get paid if they never deal with “actual customers”.
Transferred my business to a smaller agents outfit. See if the level of service changes.
What got me to switch my insurance is I call these people about a quote for flood insurance.
I don’t get any information besides a request for a land survey. I have to go to their office, drop it off. Nobody will talk to you.
I get a quote in the mail. Nothing else.
Just a print out, no follow up. Lost all 6 lines of my business that day. It’s like $763/mo. Apparently not very important.
15
Posted on 4/21/21 at 2:19 pm to DiamondDog
Sadly, my experience has been the same with all insurance "agents." They are basically sales people and not really "agents." They also dictate which "agent" with the company you are assigned to and almost never communicate with you.
Posted on 4/21/21 at 2:20 pm to DiamondDog
quote:
What got me to switch my insurance is I call these people about a quote for flood insurance.
I don’t get any information besides a request for a land survey. I have to go to their office, drop it off. Nobody will talk to you.
I get a quote in the mail. Nothing else.
Just a print out, no follow up.
Depending on your location and property type, a flood elevation certificate is often needed in order to provide an accurate quote. Judging from the kind of customer you admit to being, you'd be a pain in the arse to explain why the accurate quote came back so different than the outright guestimate that they would have given you without a certificate. Them asking you for the certificate is perfectly normal in some cases.
You being required to drop it off in person then getting a quote in the mail afterwards is NOT normal. That's crappy customer service.
quote:
Lost all 6 lines of my business that day. It’s like $763/mo. Apparently not very important.
They probably knew how much of a pain in the arse you were and figured it was worth it to see you leave.
To answer your original question, State Farm agents are trained to hire a staff within their office to handle most day to day operations and sales tasks. The agent whose name is on the door and sign outside usually handles the bigger sales, the more affluent customers, and the financial services offered through the office such as IRAs, 401(k)'s, and other investment products.
That said, I'm sure if you had simply called the office and asked to speak directly to the agent and voiced your concerns as well as explained what kind of customer you are, he/she would have given you more personal attention and made sure all your policies were reviewed regularly. Sometimes all you have to do is be honest and communicate. Your lack of communication is not an excuse for that agent to ignore you, though.
This post was edited on 4/21/21 at 2:25 pm
Posted on 4/21/21 at 2:27 pm to DiamondDog
My agent was a life saver after Laura. He called and asked how my claim was going and about the adjuster. I told him I was having problems and he said he would take care of it.
That day I got a call saying from the claim department saying my claim was put up for a review and 24 hours later they said they were replacing my entire roof.
Many people think the agent can’t do a whole lot during that process but I had just the opposite experience.
That day I got a call saying from the claim department saying my claim was put up for a review and 24 hours later they said they were replacing my entire roof.
Many people think the agent can’t do a whole lot during that process but I had just the opposite experience.
Posted on 4/21/21 at 2:28 pm to DiamondDog
quote:
What’s the point of a State Farm “Insurance Agent”?
I never appreciated (or even spoke to) my actual SF Agent until I had a lightning strike and fire at my house.
This agent I’ve never seen or spoken to was one of the first people at the house. She called several companies such as ServPro to deal with water damage, helped to line up contractors and estimates, and did it all without any immediate cost to me.
I’m not with SF anymore, but I certainly appreciated that service when it happened. If you’ve never had to make a claim then you’re basically just dealing with sales staff and what sounds like poor customer service.
Also, Flood is not quoted or written by SF. It’s by FEMA and it’s set based on flood zone and elevation from BFE. They will handle it for you but it’s not something they do within SF. You will get the exact same quote from any insurance agency.
Posted on 4/21/21 at 2:57 pm to DiamondDog
that's because they're state farm agents. like the edward jones of insurance
Posted on 4/21/21 at 3:36 pm to DiamondDog
quote:
most difficult guy in Lake Charles
Wants to know why no one wants to talk to him. Quit being a dick and maybe someone will want to help you. Our independent agent is great and always available to answer any questions, but then again we don’t treat him like shite.
Posted on 4/21/21 at 6:06 pm to DiamondDog
I called SF after a hail storm hit my area several years ago...asked them to send an adjuster to determine if there was damage to my roof. The lady I spoke with told me that if they sent an adjuster out, they may raise my rates regardless of whether or not there was any hail damage. That was the last time I ever spoke with State Farm. The End.
Posted on 4/21/21 at 6:45 pm to DiamondDog
I've been with Liberty Mutual for almost 30 years now, same agent the entire time. I have his cell number, but I don't call him, but might text him when I have a question.
I call his office and ask for him or leave a message and he calls me back. He's been good to work with overall, and their rates are always the best when I shop them.
I call his office and ask for him or leave a message and he calls me back. He's been good to work with overall, and their rates are always the best when I shop them.
Posted on 4/21/21 at 7:22 pm to DiamondDog
With the hurricane deductibles I’m not sure why anyone would use State Farm.
Posted on 4/21/21 at 7:27 pm to DiamondDog
quote:
What’s the point of a State Farm “Insurance Agent”?
They're salesmen. It's that simple.
I've done every insurance claim via a corporate 800 number or online over the past 25 years. No need to speak with a local agent at all after you've signed up.
Posted on 4/22/21 at 6:44 am to DiamondDog
I had to call my agent this week. I had to let them know that their drive safe beacon was not getting data because the car has been in the shop for 2 months for warranty repairs.
Very friendly experience and about a 2 minute call.
Very friendly experience and about a 2 minute call.
Posted on 4/22/21 at 6:52 am to DiamondDog
quote:
I’m probably the most difficult guy in Lake Charles to deal with insurance wise because I ask so many questions.
quote:
Lost all 6 lines of my business that day. It’s like $763/mo. Apparently not very important.
Maybe his client base is so strong that your business, combined with the attention you require, isn’t worth that much of his time?
Sounds like he helped you find another agent without having to actually fire you first.
Posted on 4/22/21 at 9:15 am to DiamondDog
So which is it ? Is insurance a commodity as people like to say, or is it something that requires a competent agent who can give you an hour of his time when you need it? And are you willing to pay a bit more to have an excellent agent/ agency? Most people are not.
Posted on 4/22/21 at 11:01 am to DiamondDog
quote:
It’s like $763/mo. Apparently not very important.
They probably make like $10/month off of that.
I use an independent agent, and after Zeta, it was nice to have someone to talk to about our claim issues.
Posted on 4/22/21 at 12:58 pm to DiamondDog
quote:
goofball
quote:
goofballs
What exactly qualifies them for this?
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