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 Posted: Thu Dec 13, 2007 2:14 am Post subject: Allstate vs State Farm: Which one is better? |
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I am interested in opening my own Agency. Can you advise which one is better between Allstate and State Farm? thanks
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| Posted: Thu Dec 13, 2007 10:38 am Post subject: Jus a little thing |
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Hi, State Farm is not bad for you if you're not a body shop. You should know that state farm claim car repairs offer lesser amount as compared to AllState. But then again All state is costlier in terms of premiums. Hope thats clear enough! Bobby_Rudy
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Bobby_Rudy
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| Posted: Thu Dec 13, 2007 10:54 am Post subject: I'll vote for State Farm |
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hi all!
I think people are generally happy with State Farm. Now, that I have my insurance with them for years - I see that they were never apprehensive towards paying for my broken sewer. Moreover the premiums remain flat. Isn't that a good deal?
Regards,
Pollarjerky
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Pollarjerky
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| Posted: Thu Dec 13, 2007 11:03 am Post subject: |
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Honey, Allstate and State Farm, are the two biggies in the US insurance industry. Therefore, it's very hard to compare between them. The above two posters have commented in favor of State Farm but I'm darn sure that you will come across many who are happy with Allstate. State Farm or Allstate doesn't affect much an agent as long as he is OK with understanding the needs of his clients.
Hope you will choose the right path for you.
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Stella Green
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| Posted: Thu Dec 13, 2007 11:11 am Post subject: State Farm vs All state |
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Well my friend,
In that case I'm sure you'd love to count upon the feedback of an agent as well. Am I right ? I've worked with both of these companies ( n my experiences with State farm was not good even though their programes & rates were seemingly better for the prospects) but I won't share with you anything about my present company as I wanna remain neutral within this conversation. But yeah, there is something that you ought to know - customers would count a lot on their local agents.
See, now that I'm an agent, I do share both my cell phone no. as well as my residential no. with my customers. & I also walk that extra mile to accept payments from my customers even though it is the first day of the week. I remain focussed lest their policies may get canceled.
I don't thing it is a mistake for anyone to switch in to a new carrier every year ( keeping in mind the rates & disc). But yes, when I have a fairly strong bonding developed between me & my customers then I believe, it matters to them the most. All that they want is to discuss freely about the rates & the benefits that come up time to time!
Thus I'd firmly believe that its somewhat difficult to conclude at this note as the rates may vary owing to the varying effect of the policies upon different things.
Thanks,
Won'tTellYouMore00
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Won'tTellYouMore00
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| Posted: Fri Dec 14, 2007 5:55 pm Post subject: becoming state farm agent |
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Have you considered Farmers?
I could write volumes on why I don't like Allstate and know people who could do the same with State Farm. One denies claims for ridiculous reasons and the other seems to have a history of not paying claims for any reason.
I'm afraid that the only person who controls the way you do business is you. Ethical, honest, trustworthy, consumer-conscious agents are not as common as you might think.
When your policy holder gets "jerked around" over a claim, you'll need to take a stand for your client. Even if it involves administrative action, sometimes someone has to challenge the system. Your clients depend on you.
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InsInvestigator
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| Posted: Sat Dec 22, 2007 4:39 am Post subject: I am an Agent |
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Being a state farm agent , I find it a great way to go... competitive to get in. Allstate you buy your book of business... State Farm you earn it thru professionalism and competition. They are both good companies. Go interview both companies.
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Keruxjts
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| Posted: Sat Dec 22, 2007 9:36 am Post subject: |
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Hey Keruxjts, why don't you become a community member by signing up. I am sure being a state farm agent you would be of help for all of us here.
Am I right, guys? 
Thanks,
Andy |
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Andy
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| Posted: Thu Jan 17, 2008 3:46 pm Post subject: Farmers? Bad Choice |
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I entered the Farmers system last year and became increasingly disllusioned as each day passed. This company talks a good game, but when you start looking under their knickers you'd better have eye protection!
Am also talking with State Farm and Allstate. All insurance companies have unhappy customers, but who tries to do something about it?
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HotTamale
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| Posted: Wed Jan 23, 2008 6:51 pm Post subject: Becoming State Farm agent: check the terms of new contract |
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Unfortunately, being a state farm agent I can not recommend starting the new contract the way its structured today. Be an Independent Agent and actually own what you produce. If I was starting over that's what I would do being a state farm agent.
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Hoosier
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| Posted: Wed Feb 13, 2008 10:05 am Post subject: |
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So can you highlight some of the things that are not favorable to new State Farm agents. All I've heard from every other State Farm agents and employees is how bad the new contract is for the new agents. I think it's called AA97? State Farm wouldn't disclose any of it to me. I think their response was, "Don't worry about that right now". If State Farm can't disclose their contract before I commit to them, I'm scared to think what else I have to worry about once I do commit to them. Allstate wasn't scare to disclose their contract and agreement to me. Makes you wonder...
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SK
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| Posted: Wed Feb 13, 2008 10:38 am Post subject: |
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| Quote: | | "Don't worry about that right now". If State Farm can't disclose their contract before I commit to them, I'm scared to think what else I have to worry about once I do commit to them. |
I would beware of ANY business that practiced this type of logic...seems unethical to me....and seriously I wouldn't commit to a cup of coffee without knowing what was expected in return...and certainly NOTHING contractual! 
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Lori
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| Posted: Mon Feb 18, 2008 4:10 am Post subject: |
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| Quote: | | So can you highlight some of the things that are not favorable to new State Farm agents. All I've heard from every other State Farm agents and employees is how bad the new contract is for the new agents. I think it's called AA97? State Farm wouldn't disclose any of it to me. I think their response was, "Don't worry about that right now". If State Farm can't disclose their contract before I commit to them, I'm scared to think what else I have to worry about once I do commit to them. Allstate wasn't scare to disclose their contract and agreement to me. Makes you wonder... |
Anytime somebody gives you an opinion ask the following.
1) What makes you say that?
2) How would you do things differently?
then say...
3) How do you mean?
Expand, isolate and then reinforce every question.
Take everything with a grain of salt and remember that you are the one whose word is on the line. I'd check into both companies, look at the policies of both companies, compensation, training, mentoring, growth, etc. etc. and then make your decision after examining ALL the facts.
If a company will not give you a contract to read over (at your leisure) you need to get out of dodge immediately.
Insurance is a tough business and some agents have no problem taking advantage of the ignorance of newbies.
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salpro22
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| Posted: Wed Feb 20, 2008 4:48 am Post subject: |
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| My family has always went with State Farm, until they realized State Farm had been overcharging them. They ended up receiving refunds totalling almost $2,000. The made a transition to a much smaller insurance firm since. I would probably go with State Farm over Allstate though. Something about insurance companies with huge advertising campaigns urk me. |
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diem
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| Posted: Tue Mar 11, 2008 4:51 am Post subject: State Farm/Allstate |
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Having looked into being a state farm agent and working with Allstate for 7 years, I went independent.
State Farm owns your customers. When you retire, you're left with nothing. You have to pay for running your agency the whole time, meeting all of their requirements. But in the end, it's not yours. Might as well work for someone else and save the office expenses. They also dictate when and where locations can be placed.
With Allstate, you own your book and thus become an allstate independent agent to some extent. They will buy your book should you decide to sell, at their price. Or, you can sell it to someone, provided Allstate approves of them. You can build a nest egg with them, if you can sell policies with them. That's becoming harder and harder for many agents the way their rates are sky-rocketing as they make a push to scale back their exposure.
I chose none of the above. It's all on me, with no financial assistance, but I enjoy being able to quote 12 auto and home companies for each prospective client, increasing my ability to truly shop coverage and cost for each person I speak to. I enjoy helping the customer, not the corporation.
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