State Farm Auto Insurance
I have been insured with State Farm auto insurance for many years, and have been very satisfied with their service (and even claims when needed). A number of times, I have received dividend checks back (which is basically a cash rebate for your policy) when their actual expenses were lower than what was projected for the year.They avoid the problem of having "hungry" stockholder's grabbing for huge profits that keep costs of policies up. My experience with this company is that it has been solid and fair-minded company.
So, when my agent recently contacted me to see if I wanted to participate in an insurance "checkup". He told me that I could save even more money alongside my multi-car insurance discount if I were to decide on an additional policy such as life or health insurance. Since I have health insurance with my employer, I chose a $50,000 life insurance policy.
After that, I was scheduled for a physical with my physician including blood work that was done through the lab. The company paid for all of this. They didn't find any health problems at all with the physical other than the fact that I am substantially (100 lbs.) over my ideal weight.
So, my policy price rating is higher than a person of more normal weight. With my additional discounts on my two car insurance policies, and the discount on my life insurance policy, I feel that this policy is still a good value.
I am replacing a life insurance policy from another company that was lower coverage, and that did not require a physical. I won't quote the prices that I have paid since circumstances can vary so much from individual to individual, and the area that you live in.
The main reason for purchasing this policy was the higher coverage, and the multiple discounts on the car and life insurance policies that I have with this company.
My agent did explain that since my weight was a factor in my rate for life insurance, if I were to decrease in weight that another physical could be scheduled in about a year to determine if a decrease in rate is warranted. (The company would pay for this.) Many insurance companies do rate you higher if you are substantially overweight or if you smoke, etc. So, I do not consider this unusual.
Comments:
Kevin Jacobson:"Insurance is needed in many spheres of life and state farm insurance is not an exception to this rule. I have a relation to farm activity and this information helps me to take advantage of it."
Judy Moore:
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