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Started By
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re: State Farm is mandating a "Multicar policy" on my family
Posted on 6/23/25 at 10:51 am to Aguga
Posted on 6/23/25 at 10:51 am to Aguga
quote:
Then you are getting fricked. You should shop your shite yearly but at a minimum every couple of years.
Maybe, maybe not. I shop mine every couple of years and SF is still the cheapest option in my city. I've been with them for 30 years.
0
Posted on 6/23/25 at 10:53 am to Chad504boy
quote:
i hate that term. people run around having state minimum liability limits and brag about having "full coverage"
No brag and just using the usual term for, well... full coverage.
Posted on 6/23/25 at 10:53 am to SallysHuman
quote:
so I don't understand the complaint the other poster had.
i've done partly explained one of the biggest issues.
Posted on 6/23/25 at 10:53 am to SallysHuman
quote:
No brag and just using the usual term for, well... full coverage.
you have 25/50 coverage. its hardly full coverage.
Posted on 6/23/25 at 10:55 am to DCtiger1
(no message)
This post was edited on 6/23/25 at 1:00 pm
Posted on 6/23/25 at 10:56 am to Chad504boy
quote:
because state farm would do slimy stuff like: Family of 3, 2 parents plus a driving teenager. They would only rate the teen driver on 1 vehicle and not apply all drivers to all vehicles in household.
Legitimate concern, but the insurance salesman in this thread is assuring you this won’t happen
Posted on 6/23/25 at 10:56 am to SallysHuman
25/50 is not “full coverage” there’s no such thing as full coverage. 25/50 is extremely low for liability
Posted on 6/23/25 at 10:58 am to FortunateSon
Every major carrier has multiline policies. Check it out for yourself
Posted on 6/23/25 at 10:58 am to Mingo Was His NameO
quote:
but the insurance salesman in this thread is assuring you this won’t happen
the shite are you trying to say? i know first hand how state farm has written numerous auto policies for people. i also know first hand how nearly every other insurance companies work with adding drivers and vehicles onto a singular policy.
Posted on 6/23/25 at 10:59 am to Chad504boy
quote:
the shite are you trying to say? i know first hand how state farm has written numerous auto policies for people. i also know first hand how nearly every other insurance companies work with adding drivers and vehicles onto a singular policy.
SMH
Posted on 6/23/25 at 10:59 am to Mingo Was His NameO
That’s simply how our old system worked. The teen is rated on the car they drive most, but are covered under all cars unless excluded. Again, permissive use provides coverage to drivers not even in the HH, so it covers resident or non resident children.
Posted on 6/23/25 at 11:00 am to Chad504boy
quote:
the shite are you trying to say? i know first hand how state farm has written numerous auto policies for people. i also know first hand how nearly every other insurance companies work with adding drivers and vehicles onto a singular policy.
He’s trying to insult me Chad, because baby mingy has an inferiority complex
Posted on 6/23/25 at 11:01 am to SallysHuman
quote:full coverage in your mind or in their mind? They aren't the same thing.
$430.00 (full coverage)
Posted on 6/23/25 at 11:01 am to DCtiger1
quote:
He’s trying to insult me Chad, because baby mingy has an inferiority complex
I’m just pointing out biases. You’re choice to take offense to it or not
Posted on 6/23/25 at 11:02 am to Mingo Was His NameO
Feel free to provide evidence to support the fact you think I’m misrepresenting how SF old policies worked vs the new multi car policy.
Posted on 6/23/25 at 11:02 am to Mingo Was His NameO
quote:
SMH
DC is right that they teens can drive any car. I know someone that state farm put the kid on the vehicle that rated most favorably, not the vehicle the teen actually drives.
What i'm explaining is that its been an unfair competitiveness in quoting against state farm at times because of how they separate the vehicles and all household drivers are not listed on all units on each policy.
Posted on 6/23/25 at 11:03 am to Neauxla
quote:
full coverage in your mind or in their mind? They aren't the same thing.
We have what they recommended for a brand new 4Runner.
Posted on 6/23/25 at 11:03 am to SallysHuman
quote:
No brag and just using the usual term for, well... full coverage.
The term “full coverage “ is a misnomer. When most people use the term it because they have liability and comp and collision. There’s several other coverages that are optional that most people skimp on. One man’s full coverage is certainly not another’s and the term is absolutely meaningless to us agents
Posted on 6/23/25 at 11:04 am to SallysHuman
quote:
We have what they recommended for a brand new 4Runner.
no you don't. god damn, are you a woman?
Posted on 6/23/25 at 11:04 am to SallysHuman
quote:
We have what they recommended for a brand new 4Runner.
So you have liability, comprehensive, and collision.
You don't have uninsured/underinsured motorist coverage, medpay, rental reimbursement, accidental death and dismemberment, etc.
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