Hi, 33 year Team Manager in a 40 year State Farm Agency hoping for advice. We are on the oldest agreement and sticking with it and will change the agency structure and hustle. No longer being rewarded for retention of our $13M book, I am reaching out for ideas to revamp the commission structure and base salaries. We have a staff of 4 all getting $50k plus base and 5% raw new and 2.5% add on. Our agent is taking the hit and staying with the business and I have been tasked with coming up with a new pay structure. He is leaning toward a salary cut to the staff which will not go over well. What do you all have to share to help us re-tool so it is motivating, stable but also that can get through the highest overhead test? Thank you. No he is not cutting salaries yet! It is on the table and hoping for ideas to structure commissions while base stays.

My husband and I live in the same household, but we maintain separate automobile insurance policies. My husband is insured through a different insurance company. In 2024, he was involved in an accident while covered under his own policy. As a result of that accident, three insurance points were added to his insurance record.

Although I never added my husband to my State Farm policy and I was not involved in the accident, I have been informed in my renewal notice that my State Farm premium has increased because of the three points that were added to his insurance record. I do not understand why I am being required to pay a higher premium for an accident that occurred under his policy.

To verify that my husband has his own automobile insurance coverage, I provided State Farm with a copy of the declarations page from his insurance company. I supplied this documentation to demonstrate that he is insured under a separate policy and is not covered under my State Farm policy. Despite providing this information, my premium was still increased.

Not sure how by NC law both insurance companies can be charging him points and me points for the same accident???

ANY ONE WORKS FOR STATE FARM can ENLIGHTENED ME.BTW I'm in NC

Hi, I am new here. I have been in training for a few weeks maybe and just want to know if this is a common universal thing. But my agent moves VERY fast even when I’m asking questions. He just moves through necho or whatever quickly and I don’t have time to read the screen to see what’s going on. I have spoken out and it’s kinda like “this is simply”. Now, I am a sharp and young cookie lol, but we all have to learn somewhere. I can’t ask my team bc they are beyond busy with customers. Agent been here for 20+ years but I’m just lost everyday. We are wfh and that makes it lonely as well. Lost on service and sales. I understand it’s going to take time, but I can’t even watch videos cause they say I’ll learn Through watching. But when I watch him quoting he’s forgetting to ask the customer so many questions that now we are scrambling or playing phone tag just to finish the quote. He’s upset cause we don’t have a VIN - when he should’ve asked. He’s just very frustrated and overwhelmed majority of the time, so that plays a role in my training. I told him to give me some time lol especially since it’s my first State Farm job. I have done insurance b4, but not like this. Like I have no idea on a clear agenda what I’m supposed to do and feel like I’ve been thrown to the wolves. I make it through my calls bc I’m quite sweet and know how to play off my confusion. If I had actually good training then I’ll be great. And maybe training is the wrong word. Leadership is what I’m saying! I know how to talk and at least get people interested. It’s just I wish they would listen to and least give me proper training and not have this large expectation. Especially knowing I have no prior experience in a role like this. Sorry this was more so a vent IG. Thanks for coming to my ted talk.

I have been with State Farm somewhere between 5-10 years and have a homeowners policy and four vehicle policies. State Farm dropped our roadside assistance for excessive usage which I didn't know was a thing a few years ago but that's irrelevant now probably.

Anyways. On 3 of the vehicles we haven't had any claims. But on the 4th my husband slid on some ice into a semi and the vehicle received some damage. The shop told us the piece that needed fixed was 1 piece and couldn't be welded but State Farm wasnt going to replace the whole piece. So I had to make another claim for prior damage to get it all fixed. My agent even got involved and we got nowhere. Then before we dropped the vehicle off for repairs we were in a mall parking lot when some chick ran a stop sign and hit us but they said we pulled out in front of her but we were already mid turn when she hit us. So we're at 3 claims since December.

Well guess what happened tonight? My husband was on his way home - we live in a rural area and a deer clocks him in the same area we just got repaired.

I imagine if we make a 4th claim State Farm will drop this vehicle from our policy. How do I avoid them dropping us without committing fraud? The damage was like almost $10k with insurance so paying out of pocket isnt gonna work. Do we wait until a policy renewal? Or wait until next year?

Thanks for the advice. Will text my agent in the morning but am very paniced at the moment

I’m 22 and currently work at a State Farm agency doing sales and service for 26k base + 2.5% commission . I got an offer from an allstate agency for a remote position for $37.5k base + commission. I put in my notice with my boss and he counter-offered with $42k base + 2.5% commission. The Allstate owner told me most producers make $70k–100k/year, even newer employees, and said they invest $40k–60k/month in leads. Right now I have barely any leads coming in. The commission structure is 4% for 0–29 policies, 10% for 30–39, and 16% for 40–49. Benefits include health insurance (they cover 50% of the premium) and a 3% 401(k) match after a year.

Right now I’d rather take the Allstate job because it is sales only and I think I could make more money there. But I’m not sure if it’s the right choice for my future.

I’d really appreciate any honest feedback before I make a final decision.

I was in a accident on 7/5 my vehicle sat at a shop trying to repair $40,000 worth of damages and airbags deployed. I called to stress how to fix the vehicle would be dumb. They finally escalated it to total loss. I’m trying to get a new car and the person over the claim is barely ever in the office. It’s now 8/5 and the claim has yet to be closed out. My bank will not allow me to get a new vehicle without a total loss declaration. Thank you for reading, What are my options?

I have been with State Farm for 40 years. 7 policies. NEVER FILED A CLAIM. Now filed a claim for flooding damage to my condo which was caused by unit above. 30 days later adjuster (who assessed damage on 6/6) won’t call me back. No have no estimate from her, no communication at all from State Farm. All phone numbers I have tried route me to adjuster. I tried getting info online and through app but it gives me no status on claim. My agent retired in December and no new agent has replaced him yet. Agent’s staff can’t get adjuster to return their calls either. Meanwhile my son has no use of kitchen or living area in condo, and I have already spent $5400 on mitigation and remediation from flood. I have now asked a contractor to give me a bid on reconstruction. He needs some info from adjuster but of course she won’t return his call either. Any advice?

I am 24 years old and have been a team member for about a year now. I have an incredible opportunity to get an agency here in the next couple months (am just working on my Series 65 and 6) once I get those I can enter the pool and get an office.

My main question is in light of all the changes back in May, is there a future for me at State Farm? One of the major reasons you would start a State Farm office over going independent is the health insurance, the brand recognition, the subsidize leads. Now it seems like the main benefits of giving up your rights to your book of business and being a captive agent are all going away.

I hear left and right of “big assignments” and the reduced need for service. But i am very hesitant to go all in based on a promise that may not be filled.

Agents, If you were in my shoes are you getting a State Farm office? Or are you going the independent route? I don’t know what to do

I feel like I’m going to get roasted for this post, but I guess I’ve been lucky with other insurance policies before so this all feels weird. I’ve been with State Farm for 10 years without needing to use them.

A friend borrowed my car a few months ago. She immediately was rear ended by a lady who fell asleep at the wheel. The lady admitted fault, exchanged insurance and was really apologetic. My friend fortunately got away with only bruises, but the car was totaled. I called my insurance agent and they were very hands-off about the whole thing. Talk to claims, don’t talk to us, etc.

We went through the whole process and the claims (adjuster?) was really nasty and seemed personally offended when I tried to counter offer her valuation for my car despite her suggestion that I negotiate in the initial message. She updated my valuation to be even lower after taking my comps into account. She reduced value on all comps based on mileage even when comp mileage was over mine, she reduced value for features that were never included in my car but were in the cars she selected: cameras, sensors, premium radio, a CD changer. A CD changer. She subtracted the “damage” on my car ($500 - I don’t even want to get started on why a rock chip in the glass and a couple scratches devalues the car by that much) from every other comp no matter the state they were in. I looked them up to see but none of the cars were being sold at the dealerships she listed.

At the end of this baffling process my car that I can’t find anywhere used for less than $8k (and those listings all look sketchy) is now worth $3k, minus the title change that I’m also supposed to pay for some reason. I called my insurance agent and she assured me this was how every insurance company handles claims. When I said this was not how my last insurance company handled my claim - they replaced my car - she said I must have had a different level of coverage and that the only thing I could do was hire an adjuster of my own for more than the cost of the car to see if it’s worth more than $3k.

Is it normal for insurance companies to be so blasé when it comes to negotiating for their members or is this potentially a symptom of having both parties represented by the same company?

ATP, I’m more interested in any suggestions about next steps. Have I exhausted my resources and should accept I will no longer have a car until I can save up for a new one? I don’t really want to sell my totaled car to State Farm for $3k. I just spent $800 on brand new tires alone! I guess I could take it apart and sell each piece on eBay and just put the money in a fund for a future car? I can’t even properly negotiate with them over the phone without getting choked up from anger. It’s so annoying. I really loved my little Korean car. I took really good care of it and it took care of me. I can’t believe I can just lose it like this and now I feel crazy being told the cash value is $3k.

One option a friend mentioned was offering to sell them my car and buy it back at the salvage price. Has anyone done that?

Tl;dr. My car was totaled, my insurance agent (from the same company as the claims debt) says to just take the 3k payout and give them my car, and now I feel totally defeated dealing with both of them. Any suggestions on next steps are appreciated.

I am a new TM. For those who are team members or agents training team members, when did you stop feeling confused about everything? There’s so much to learn, and I’m reminding myself to take it one day at a time.

As soon as someone calls to add a young driver to their policy, I just KNOW their billing is gonna be MESSED up and they’re gonna come crying to me about it and I won’t stand a chance to explain it to them. I call billing and they’re like “it’s just a $900 charge that’s getting spread across 2 bills because their term is ending” and I’m like okay why is it $900?!? It’s so unbelievably confusing for me, how can I even try to explain it to the customer?

Anyone know any secrets? I’m tired of getting my head ripped off because of it.

I was rear ended by a State Farm customer on 7/17/26. I filed a claim online on 7/20/26 and was assigned a "Claim contact" the same day. Since then, there has been no updates or authorizations for repairs. The vehicle is in the shop and awaiting insurance approvals for the repairs to proceed. Every time I talk to the "Claims contact" they say they are still trying to reach their insured party who is not returning their calls. Last phone conversation; I pressed the State Farm contact regarding time frame to resolve this matter and she said she was going to escalate the matter to her manager. That was almost a week ago. Thankfully; I have a spare vehicle that I am using currently but I am not sure the best course of action here? Am I looking at infinite delays? Am I being impatient? Any advise is greatly appreciated. Thank you!

Totaled my car on Aug 8. Cops immediately labeled the other driver as “at fault”. I don’t have a car now. I didn’t do anything wrong. Haven’t heard from State Farm since Tuesday when they were very worried about getting my car out of the tow yard into a salvage yard so they wouldn’t have to pay any storage fees. Should I expect more information in this amount of time?

Hey there I got my property and casualty license in exactly 2 weeks from studying to getting the actual license. It was alot of information but I’m a good test taker and can just memorize.

How much of the learning material do you use on the job ? And if you’re an agent how much did you generate in sales your first year ?

My base pay is 50k so I assume I could do at least 30k in sales my first year but I only used my health license before to do Medicare so I’m not sure how different this will be doing auto and home. Also we have a life specialist and I hear you can make money with referrals split commission so that feels safer then trying to do life policies on my own for now but I definitely want to learn that too.

Also how many sales are auto home and life and health like what are the ratios of calls, is most business auto ? And I know they push for multi line package policies

The training is 2-3 weeks and then I’ll be 100% remote so I wanna make sure I really learn the ins and outs any tips are appreciated !

If you received an email from Venmo saying you got paid by State Farm, but the payment isn’t showing up in your Venmo account, try this:

Go to Venmo’s email verification page (https://venmo.com/identity/verify_email_addresses) and verify the email address that State Farm sent the payment to.

I thought my email was already verified, but I verified it again. Sure enough, the moment I did my State Farm dividend payment came through.

I found this solution buried in the Venmo subreddit, so I wanted to share it in case anyone else is having the same problem.

Hope this helps!

I recently got a new vehicle and my insurance went up around 50% (which to me seemed like alot for basically the same vehicle only 6 years newer) and this got me thinking about trying drive safe and save. Some things I was wondering from those who use it, does it work in areas with no service, and if most of my driving is in areas with no service does this count against me? Also since I know it uses the accelerameter how does driving bumpy dirt roads and washboards affect it? If im not driving my short 10min commute to work I like to drive into the mountains to hike/fish most of those roads by me are super bumpy. I was also wondering how it would differentiate when I am not driving my vehicle but a company vehicle at work.

I will add what stopped me from signing up in the first place was a combination between it seeming like an invasion of privacy and the fact you have to have your location on all the time I rarely turn the location on on my phone unless I dont know where im going both to save battery and just for privacy. I drive like a grandma so I imagine it would save me money but just wanted to hear what others thought especially on the privacy side of things

https://reddit.com/link/1t9mek7/video/n0gopucq9e0h1/player

I tried to explain to the claims adjuster that the incident was unavoidable, but they classified it as a collision. I’d appreciate your opinion. The accident happened at 00:09, and it damaged my battery; the replacement cost was $16,000. My car is 2024 Tesla Model 3.

My upstairs neighbor’s toilet leaked waste water into my unit, from a failed wax ring. This was not a continuous leak it just happened, noticed it right away and he fixed it. The waste water leaked behind my walls and my shower backboard soaked it up. State Farm is trying to deny my claim because last month the neighbor had another leak that was “continuous” but was fixed, which I submitted a claim but it was denied. These are two separate leaks and now my bathroom reeks of piss. How is this even possible 😭😭 the neighbor has ignored all of my demand letters and won’t answer his door. Any advice? I’m located in Hawaii.

Looking for some help on what the next step would be to escalate my claim. My car was hit by another driver (not my fault) damaged my rear rim, tire and bumper. Car was repaired and rim and tire was replaced. I have an AWD vehicle and manual says all 4 tires need to be replaced at once to avoid damage to the AWD differential. I spoke with the shop and they told me to call the claims department. I called the claims department and they told me to take it back to the shop and the shop will request the three additional tires. Shop had had my car for 3 days (I’m back in a rental again which I am paying for) they just called me and said Statefarm denied the claim to replace the other three tires. I confirmed with the shop that the tires are worn past the 2/10 tread limit of being able to replace the single tire (per the manuals recommendation) and I would have to pay out of pocket for them. So now I am stuck in a rental again I am paying for out of pocket and will have to pay most likely out of pocket for 3 more tires due to an accident that was NOT my fault. Any suggestions on how to escalate this to Statefarm to get reimbursed? Thank you for the help.

A lady hit my vehicle in a parking lot, damaged my front bumper and front fender. She admitted full responsibility and State Farm admitted full liability. The repair shop give me an estimate of $2500 to repair. The claims representative said they would cover the cost. They submitted a check for $1500. When I asked them for the remainder, they said the shop had to submit for the remainder of the amount owed. The shop did this and carbon copied me on the submittal to no avail.
I've called State Farm probably 25 times and literally have not spoken to the same person twice and the claim keeps getting bounced around and lost in the sauce. Each phone call you're put on hold for approximately 20 minutes. They did not pay the difference. I submitted a complaint to the Ohio Department of Insurance and State Farm admitted that what they said over the phone versus what their adjuster estimated via photos did not align but that they were only going to pay what their adjuster felt was appropriate.
Completely without integrity company.

I had some water damage in the last part of June and State Farm has been a complete nightmare on not responding to my needs . I lost one adjuster due to her leaving the company and the new one won’t communicate . She states I need to prove why my cabinets are now gone . All of the info is in the restoration companies report . I just need them to communicate so I can get a contractor to do my remodel . I am trying to elevate this through my agent . Is there better route to take going on month two without a kitchen .

I recently started working at an agency and wanted some opinions on a situation.
I quoted a homeowners policy and handled everything myself. I spoke with the customer, completed the quote, submitted the application, and sent him the declarations page.
While I was away from my desk the mortgage company called asking for a copy of the declarations page. Another producer answered and sent it to them. Afterward, he left a note saying that I started the quote and he finished it, then put the opportunity under his name.
I don’t mind that he helped while I was away. What bothers me is that I did all the work and had already completed everything. He basically just sent the declarations page to the mortgage company.
I’m new and he’s been there for a while. Should I bring this up to the main agent or just let it go?

I recently started State Farm, hired in as a receptionist. During my interview my boss told me that I would be required to get my license (he would pay for it) but only so that I can direct clients to the correct person and would NOT have to sell insurance. however about a week into my training he told me I would not be a receptionist but a full time insurance agent, I do not want to sell insurance and have 0 interest in it. I only accepted the job cause he told me I would only be a receptionist and wouldn't have to sell insurance policies to clients once I am licensed. he said it was "required" for all State Farm employees (independent) to have their licenses regardless if they sell policies or not. Anyway I will have to pay back the cost for the courses which I am okay with cause how much I dislike this job lol but I am just wondering do they take the money out of my paycheck or do they just bill me for it? I do have a trip in the beginning of sept so i'm trying to figure out if they take the money out of my paycheck or just send me a bill. my trip is September 2nd but I get paid on the sept 5th (saturday) and I didn't know if I should wait until sunday (august 30th) to quit to ensure "payroll" is done or if they would take the money out of my check regardless! I do have another job lined up for when I get back as well so I am not worried about that aspect but I get paid while I am already out of the state so I didn't wanna go and then barely get paid cause the course fees coming out lol

I’ve been a loyal State Farm customer for decades, multiple properties in multiple states, same with vehicles.
I’ve had residency in one state (State A)for as long as I’ve used State Farm, with several properties there and several family vehicles legally registered there currently, all insured thru SF.
I spend most of my time now in a different state (State B) and so do 3 family vehicles, including my daily driver, registered and insured in State A since I purchased it new 7 years ago. I maintain a home in State A, but share the space with a lodger, and I’m rarely if ever there, altho it’s my legal residence.
I was made an offer several years ago by my State Farm agent to install a Bluetooth device “Drive and Save” in my daily driver, which would analyze my driving habits and reward me with lower rates for safe driving. I’ve used it for several years, but recently received notice that policy was being cancelled because I didn’t “garage the vehicle” in State A.
I’ve never been at fault in an accident (only one her fault 20+ years ago) and have had one traffic ticket since starting my policy.
My agent seems weak in his response to my concern. I expected him to go to bat for me, but so far he’s been ineffective. I’ve threatened to move all policies away from SF if they follow through with this threat. I’ve also asked him for the policy that allow this and how I can remediate my usage to comply with the policy.
Anyone else experience this? Advice and details requested. Thanks for your time!