Wednesday 13th of February 2019 05:34:03 AM
In 2011, we were victims of a break-in, we had a claim filed with State Farm. A few months later, we received a check from State Farm and renewal of our renter's policy. Then a month later, we received a refund of our auto policy that we had paid on a vehicle that we had suspended coverage on. I called and found out that State Farm had cancelled our auto policy 2 months previous without any notice. We were told that we were expected to know when payment was due. So ticked off, we checked around and decided on Farmers. They told us the rates would be high due to State Farm cancelling our policy but at 6 months, it should drop; then after a year, it should drop "quite a bit" as the agent put it.Six months went by, and rates went up, so did my payment. Their claim was for the payout they had due to a tornado in Joplin, MO. Okay, this has nothing to do with my liability driving. We live in a very rural area. I just got my renewal for the 1-year mark, and my rates increased by 45%! I called the agent yesterday who, of course, is never in the office, and again the excuse was the rates increased. I have never used my ** auto insurance in over 20 years and I am almost 50 years old. They think that I am going to pay $180 a month for two vehicles that are 12 years + old and never had any type of accident or tickets. Part of the renewal documents was a "credit report" piece of ** form letter. We were foreclosed on in 2009, so my credit is shot. We don't use credit at all and haven't since then, no need for it. But Farmers in their infinite money grab has stated they were unable to adjust rates because the address where we live now does not match the credit bureau's address.Now wait a minute, how does this have anything to do with auto liability? They were fine to take our money the past year without this being a issue. These companies need to be put out of business. Insurance should be an escrow. I'm tired of paying more and more for an undesirable product from companies that can charge whatever they want without any reason for it. Any lawsuits?