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re: My auto insurance is $615.00 a month and State Farm gave me $113.65 dividend.

Posted on 9/2/26 at 3:01 pm to
Posted by REB BEER
Laffy Yet
Member since Dec 2010
18399 posts
Posted on 9/2/26 at 3:01 pm to
4 vehicles with State Farm, just submitted mine and I'm getting $452
Posted by 22jctiger22
Member since Apr 2013
558 posts
Posted on 9/2/26 at 4:41 pm to
quote:

I have three vehicles and 300/500/100 coverage and my premium is 1000 bucks every six months for comprehensive coverage.


With which insurer?
Posted by LSUJML
Central
Member since May 2008
56939 posts
Posted on 9/2/26 at 4:42 pm to
I’m getting 61.00
Posted by KiwiHead
Auckland, NZ
Member since Jul 2014
38906 posts
Posted on 9/2/26 at 4:44 pm to
A monthly dividend or a yearly on time dividend?
Posted by REB BEER
Laffy Yet
Member since Dec 2010
18399 posts
Posted on 9/2/26 at 4:47 pm to
I don't know how they're figuring out how much to pay.

My 4 vehicles are broken down to $183, $95, $86, and $88

We just bought a just bought a used Jeep last month and only have collision on it and have only paid like $50 so far in insurance.

Edit: Nevermind, I just realized we have 5 vehicles now, so we're only getting a dividend on the 4 others.
This post was edited on 9/2/26 at 4:49 pm
Posted by REB BEER
Laffy Yet
Member since Dec 2010
18399 posts
Posted on 9/2/26 at 4:49 pm to
quote:

A monthly dividend or a yearly on time dividend?


The email said it's a one time payment.
Posted by DCtiger1
Member since Jul 2009
12145 posts
Posted on 9/2/26 at 4:53 pm to
One time for each auto in force in 2025. 5 billion total
Posted by Cheese Grits
Wherever I lay my hat is my home
Member since Apr 2012
63779 posts
Posted on 9/2/26 at 4:56 pm to
quote:

My auto insurance is $615.00 a month


What are you driving? I think I pay half of that for a whole year.
Posted by DiamondDog
Louisiana
Member since Nov 2019
13563 posts
Posted on 9/2/26 at 4:58 pm to
I got the updated amount: $458
Posted by DCtiger1
Member since Jul 2009
12145 posts
Posted on 9/2/26 at 5:06 pm to
Good. Much better
Posted by Ailsa
Member since May 2020
12491 posts
Posted on 9/2/26 at 5:42 pm to
quote:

We had no claims. No wrecks. Insured the entire year.


Every state farm franchise is run according to who owns it. I contacted several and was surprised and the difference in prices for the same policy. Shop around and don't give our any info as to who you are with now for either auto or home insurance.
Posted by DCtiger1
Member since Jul 2009
12145 posts
Posted on 9/2/26 at 5:43 pm to
quote:

Every state farm franchise is run according to who owns it. I contacted several and was surprised and the difference in prices for the same policy. Shop around and don't give our any info as to who you are with now for either auto or home insurance.


No they aren't. they aren't franchised either.

quote:

don't give our any info as to who you are with now for either auto or home insurance.



They can see that already
This post was edited on 9/2/26 at 5:45 pm
Posted by TigerBait2008
Boulder,CO
Member since Jun 2008
40886 posts
Posted on 9/2/26 at 5:53 pm to

quote:

Mine is $50/month on two vehicles paid in full every 6 months. Shop around for the cheapest possible rate every 6 months only because of the crime of it being a legality or wouldn’t have it.

Haven’t paid home insurance in 8 years.

It’s all a scam. This board loves writing checks tho to people who give them nothing in return. Watch them call me an idiot.



We all know youre just full of shite in your made up life. Your not paying $50 on 2 vehicles. You don't have home insurance because you can't afford it. You live in a mobile home. Work for a fast food place not that there's anything wrong with that.

We call you an idiot because we'll read your post.
Posted by DCtiger1
Member since Jul 2009
12145 posts
Posted on 9/2/26 at 5:57 pm to
He's long moved on to posting some other nonsense
Posted by Ailsa
Member since May 2020
12491 posts
Posted on 9/2/26 at 6:07 pm to
quote:


quote:
Every state farm franchise is run according to who owns it. I contacted several and was surprised and the difference in prices for the same policy. Shop around and don't give our any info as to who you are with now for either auto or home insurance.


No they aren't. they aren't franchised either.



Why are they run differently with differences in pricing? It looks like it's close to the same thing...

quote:

A State Farm headhunter reached out to me about taking over an agency in my area. Is this legit?
Yesterday, I got a LinkedIn message from a lady who appears to be a corporate recruiter for State Farm. Profile looks legit, she’s connected to lots of other people with State Farm, she posts often and has an established account, etc.

In the message, she mentioned that there is an agency in my area that they are looking for someone to take over. This is believable because the agent in my area is like 70. My background is in another industry, but she says no insurance experience is necessary. She also said that there are no franchise fees or startup fees and that State Farm will basically give me what I need to get started. They’re spinning it like it’s an entrepreneurship opportunity, but it kind of sounds like I’d be more of a manager than a true owner, since there’s no actual financial risk for me.


https://www.reddit.com/r/InsuranceAgent/comments/188fh89/a_state_farm_headhunter_reached_out_to_me_about/
Posted by Sofaking2
Member since Apr 2023
22464 posts
Posted on 9/2/26 at 6:09 pm to
quote:

4 vehicles with State Farm, just submitted mine and I'm getting $452

These quotes are highly individualized based on a lot of factors. All that matters is you are getting the rate you want.
Posted by Ailsa
Member since May 2020
12491 posts
Posted on 9/2/26 at 6:09 pm to
quote:

quote:
don't give our any info as to who you are with now for either auto or home insurance.



They can see that already


How do they see it and if they can...why do they inquire as to who is your current insurance provider and cost?
Posted by KLSU
Baton Rouge
Member since Sep 2003
11224 posts
Posted on 9/2/26 at 6:11 pm to
I’m getting back:

$143
$138
$65
$31
Total: $377

I’ll take it.
This post was edited on 9/2/26 at 6:12 pm
Posted by Da Sheik
Mar a Lago
Member since Sep 2007
9474 posts
Posted on 9/2/26 at 6:12 pm to
I got $150 lol
Posted by DCtiger1
Member since Jul 2009
12145 posts
Posted on 9/2/26 at 6:13 pm to
quote:

Why are they run differently with differences in pricing? It looks like it's close to the same thing...


Run differently? Is every McDonald's run the same way? There's more State Farm agents than McDonald's. They are all individually owned, hire their own employees, they are independent contractors.

As for your Reddit share, that's a recruiter trying to find candidates to interview for agency.

Pricing is all run through the same corporate system, the only way to get a different rate is by changing something on the quote or if your requesting quotes over multiple days the rate will be different based on the effective date.
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