We have have State Farm for cars and either renter's or homeowner's insurance since 2006. In that time we have filed the following claims:
-Comprehensive, mystery person hit my wife's car in the parking lot at work. About $3,000 worth of body work.
-Comprehensive, deer ran into the side of my wife's car on the way home from church one night. Totaled the vehicle.
-Claim under another driver's State Farm insurance when my truck was rear-ended. Not totaled. Something on the order of $4,500 check was cut to us.
-Claim under another driver's State Farm insurance when my wife's van was rear-ended. Still ongoing, but the van was totaled, and the wife is still receiving physical therapy.
In all of these cases, State Farm has been awesome. They don't hesitate to pay out. They use clean retail values, not low-ball blue book values. When my truck was hit, they wanted to total it because it was right on the 75% of value line, but my body shop was easily able to talk them into cutting me a check. When my wife was rear-ended, State Farm had zero hesitation handling the rental car, paying for the car seat, covering my lost wages, and even paying for what a kennel would have cost for the time that my mother in law had to keep our dogs in Tennessee because the rental agreement wouldn't allow my wife to bring them home.
In all of this, there has been mention of rates increasing or our policy being dropped.