The underwriting is lengthy and highly intrusive. I guess that's why their financial ratings are good, they have a safe portfolio. The advantage to SF is that you can always deal with a live person, face-to-face at an independently owned office. If it's a relationship you like, then they are very good. You pay for it though. Premiums seem higher than average.
i have been with state farm for 33 years and this past year 2017 has seen many rate increases almost on a monthly basis.from176.00 per month to 268.00 per month.state farm keeps telling me its because of bad drivers.i have not had a claim or ticket in 33 years.state farm must really need the money.