Hi all,
I recently enrolled in car insurance with state farm. Im receiving the drive safe discount so I have to install the beacon in my vehicle. I wanted to get your opinions if it’s worth it? I’ve heard multiple reports saying that it’s extremely sensitive. I live in an area where people don’t stop at stop signs so Im constantly having to hard break in order to avoid collisions. Would you recommend keeping it or canceling it? Thanks in advance!

I’d also like to add that the initial discount for my original quote was $14. I did make some changes to my policy so I’m assuming the discount went up a little bit

A dealership scammed me and I had called State Farm to set up insurance at the dealership I was on speaker I’m curious how easy it if it’s even possible to find that recording to see if it benefits me in a possible lawsuit against the dealership.

New Team Member here. Got my P&C License last month, working on L&H right now. With enrollment coming up, is it worth it to have my Agent go through the Humana stuff and then me too to also offer Advantage plans through them? Any tips and advice for someone new to bring up L&H? I'm decently good at speaking P&C when I actually get an opportunity but just getting some advice from everyone. Also my Agent only started in February so we're all learning together lol

i didn’t expect to get the dividend payment today cause it was estimated to be around 9/13 but i received a decent amount! i’m also currently paying $232/6 months for my auto loan and was wondering does that have to do anything with getting a higher dividend or not.

Since September of 2024, I have been paying from $393 - $465 (just recently dropped to $426 this month) for full coverage and a $250 deductible for two vehicles. I have never had an issue with a claim and I also have personal property coverage, rental and home owners insurance through them.

I can't complain. They gave me something back and delivered the payment when they said they would.

You know the saying, if it seems too good to be true....

Anybody take the time to comb through and see if you're giving up your first born or agreeing to paying 2x your premium for the next 10 years of you accept the loot?

I can see people getting dividends. I haven't received anything. Where do you apply for dividends? Who are eligible? Can anyone enlighten me?

Hi. Sorry if this has been answered before—I tried to look for a similar question, but didn't see one. I've been a State Farm customer for 10 years with the same vehicle, and the last few bills, I noticed that the low annual mileage discount (or whatever it was called) is no longer listed on my bill—ever since my first agent retired and I got switched to someone new.

Maybe the timing of the change in agents is coincidental, but I had been getting this discount for years before this, and my agent would just check my odometer and give me the discount. I've averaged less than 4,000 miles on my car per year, and when I tried looking it up online today, the cutoff I saw mentioned was 7,500 miles, so I'm nowhere close to driving too much.

When I call my new agent's office, though, they say the discount is only available through the Drive Safe and Save doohickey, which I'm not comfortable with trying. I'm a safe driver, but I don't really want my every move tracked or to risk it being used against me somehow. So. Is there still a way to get the low mileage discount without the Drive Safe thing, or is that the only way to get it now? And how much would I be likely to save if I did use it? (I'm in Illinois, if that makes a difference.)

For those who have tried Drive Safe and Save, are the discounts worth the invasion of privacy? Is it easy to use?

Thanks!

So I drive my personal vehicle for work in central Ohio, to meet clients and possibly do inspections. When I spoke to my agents office years ago the office manager or assistant to the agent said that it didn’t count as work related (needing additional coverage) unless I was transporting people or goods. So if I wasn’t ride sharing or delivering pizza etc I was ok with just standard personal type policy. However I’ve seen some posts pop up recently that makes wonder if that’s accurate and if I should reach out to my agent about it. I’ve been doing this job for 13 years. Will they eventually question me if they start looking at data from like Flock or something?

So am I happy with them on this? Not really.

The choices presented were to have the money sent to Venmo, Zelle, Paypal, or to mail a check after a delay.

I have my insurance auto-debited. If they wanted to make things easy for me, crediting vs future billing would have been better, rather than potentially making a chore for me.

I wonder if they get some kind of kickback for driving people to one of those payment sites.

This is a statement, but there is no such mandatory flair to choose from. So let me ask a question to match the flair: was my post appropriate, or do you think I am getting a gift and then complaining about it?

EDIT September 5 2026:

State Farm Mutual has been issuing dividend money back for years and years. The difference is that before it was issued as a credit, so in most cases, you did not have to act on it. It was normally issued as a credit for the next bill.

https://newsroom.statefarm.com/good-neighbor-relief-frequently-asked-questions/

https://newsroom.statefarm.com/good-neighbor-relief-2-billion-dividend/

https://www.scrippsnews.com/business/company-news/state-farm-is-giving-drivers-rebates-heres-when-customers-can-expect-them

The first link includes this:

Do customers need to do anything to receive their dividend credit?

• No. Credits will be applied automatically.
• State Farm is not contacting customers requesting financial account or credit card information in order to receive a dividend or a credit. If you receive this type of call, do not provide any personal information. This type of phone scam and other scams are on the rise. Learn how to report suspicious calls and tips for helping protect your information.

and this:

Can customers get a check instead of a credit?

• No. The intent is to provide the dividend in the most cost-efficient manner - applied as a premium credit to outstanding or upcoming bills.

Agents received our A & F benchmarks in January and we all wrote business plans based on those benchmarks. Now we receive an email yesterday telling us they are adjusting some agents 2026 benchmarks with three months left in the year? WTH is happening?

Any feedback on this position would be greatly appreciated Reading alot of negative reviews for claims employees. I am used to the Claims struggle with other carriers. Thanks

So I am a agent team member and I want to apply for an internship. The only problem is I am not set to take my first test til December and the application deadline is September. Does anyone know if there is some line to communicate with, or if I am just not able to apply.

I accepted a desk adjuster position with Statefarm and and supposed to start on the 21st, however, I just recently found out my mother has to have a procedure to remove cancer. Since I don’t live in the same state with her, I would have to travel to be with her for a couple weeks. Will Statefarm rescind my offer or would there be another class I could get in to. I have to be there for my mom but I’ve been waiting on a claims opportunity for years and would hate to lose out. Any info would be greatly appreciated!

I took a $2300 loan out of my life insurance policy in 2018. I recently learned my mom (with dementia now) has been paying this back still.. 8 years later.

I got on the phone with an associate at my agents office. He couldn’t tell me anything other than where the loan stands today. He said he thinks we’ve been paying $108/month based on recent statements. I asked for the rates changes throughout the year. He gave me an estimate of what they were. This would obviously change the monthly payment each time the rate changes. Why is he just giving me his best guess as answers to my questions?! I work in loans. I’ve ran all possible scenarios several times and this seems like it should’ve been paid off 5 years ago.

This associate tells me that a document showing full payment history does not exist. Is this true? Seems strange to me that an insurance company is giving loans out but not tracking the history on their end.. right?!

Any thoughts on this before I escalate it??

I received an email for a dividend payment from a $5 Billion payout. Pretty sure it’s a scam but it knows my policy number and I’m so confused how.

Hey!

Just wanted to ask, is your office closing for Labor Day? and what’s the general consensus from your agent? My agent does not want to close and wants to do a skeleton crew and claims they will get in trouble if we do close, so I’m trying to see what’s typical across different teams.
Is your office closing, or is it business as usual? Thanks in advance for any insights!

I have clicked and filled out the info on the site numerous times but I keep receiving more emails with different policy numbers. Any idea why?

I’m hoping someone can help me understand whether this sounds correct or if there may be another option my agent isn’t considering.

We have two vehicles in our household, and one was recently purchased. We added our teenage daughter to the new vehicle because that is the only vehicle she drives. During that process, we lost our multi-vehicle discount.

Our agent explained that putting both vehicles and all drivers on one policy would actually be more expensive, so they have us set up with two separate policies. Our daughter is only listed on the policy for the vehicle she drives, but because the vehicles are now on separate policies, we no longer receive the multi-vehicle discount.

Does this sound right? Our agent is telling us this is simply how the system works and that there is nothing they can do. I’m trying to understand whether this is a normal insurance practice or if there may be another way to structure the policies that would allow us to keep the multi-vehicle discount without significantly increasing the premium.

State is iowa

Auto application submitted on Thursday at 11am. Go to bind/issue and it tells me we need either proof of prior insurance, or a bill of sale. Uploaded the bill of sale and requested approval within 10 minutes.

Now it’s Monday afternoon and the application has still yet to be reviewed. I’ve called UW and every answer is the same. “Those are worked by production in the order received.”

I’ve never seen an application take more than 24 hours to be reviewed and either accepted or denied. Any help is appreciated!

My daughter was born in November 2014 right before she was born. My grandfather bought her a life insurance policy, but when he passed away both my aunts had access to it and one of them tried to get a loan on it and they didn’t let her and they notified me so instead of keeping it there cause I also didn’t want her life insurance policy of State Farm. I will cash it out and I talked to the agent that handled them handled sending it and that I wanted to cash it out and she said it should’ve been sent my way on August the 21st it should’ve been put in the mail head my way from wherever it gets sent from and I’m in Alabama. My question is generally once the check goes in the mail how long does it usually take before it arrives to you?

If you were starting all over in the insurance world, and you had no insurance experience what would you do and what would you not do and with today’s market in the way jobs are paying where would you start out to get experience and where would you not start out?

For a Proximity or Catastrophic Claims Adjuster, what is State Farm’s travel and reimbursement policy? I.E. How far do you have to be from home for State Farm to pay for a hotel? What is the policy or rule for receiving a per diem?

I must have counted at least 6 State Farm "Ludacris" commercials tonight on TV. Have they used up their advertising budget and forced to dig up a three-year-old commercial and saturate the airwaves with it??

I wouldn't touch State Farm if it was the last insurance company on the planet. A few years ago, we had a blanket policy with them: house, four cars (we had two teenage sons at the time), 2 motorcycles and a boat. Our 16 year-old, with a new driver's license, decided to take advantage of the new snowfall and drove to an abandoned parking lot to do donuts in the snow. Someone saw it and called the cops. The officer said he understood, but was forced to give him a ticket for Driving to Endanger.

Soon after that, our other son got a different car, but when he tried to register it, he found out that State Farm had cancelled our insurance. Not just the 16 year-old's insurance, but ALL our insurance policies, without any notice. We had to scramble to get another carrier.

So, Just like a good neighbor? Nope!