dropped by state farm. should we look at brokers or a different company?

Make sure it's not an introductory teaser rate that automatically goes up to the normal rate at renewal.  

Also, make sure you are comparing apples to apples. GEICO was famous for quoting a low rate but giving you less coverage than you currently had.

Former State Farm claim rep, back with State Farm for both cars and the house at the moment. Having all bundled together was cheaper than when I had them split between Progressive and I think Safe Home (both through a broker). I shop insurance about every 18 months (you can only change your HO policy once every 12 months, at least in Oklahoma with my mortgage company). 

In the last almost 2 years, our 2 vehicles have gone from $140/month to $190/month with State Farm and that was before the Mazda 3 was totaled due to hail back in October (with no claims or tickets). And somehow going from the '18 Mazda 3 to the '23 CX-5 didn't change the rate.

So I'm about to call my broker and have him start shopping my policies around.  

Oh and as far as the claims dinging you even if they aren't covered/below your deductible, yep it was explained to me with some legalese during training about to get a binding Yes/No on coverage there had to be a claim # to refer to. 

In reply to rande :

good call. It is not. Just their normal rates.

In reply to ddavidv :

We were pretty thorough when discussing this with the agent. after going over all the coverages the bikes and cars and umbrella are the same coverage and deductibles but the house is higher by about 150k coverage all outer buildings and stuff included. The only major downside is higher deductible for roof replacement than other home coverage. 1% for roof and .75% all other issues. bike coverage was $200 per year cheaper and house insurance was $800 cheaper but umbrella was about $100 higher per year same coverage.

z31maniac said:

 

Oh and as far as the claims dinging you even if they aren't covered/below your deductible, yep it was explained to me with some legalese during training about to get a binding Yes/No on coverage there had to be a claim # to refer to. 

Interesting.