[quote]State Farm for some reason is interested in wooing Jerry back, despite Jerry being the very worst kind of insurance customer (ie someone who will file multiple claims).
R32, I'm not particularly a fan of the commercials, but I'm a long-time State Farm customer, and I have found the logic of the ads to be consistent with their behavior.
I think it's targeted to people who think they'll save money by buying insurance from a company that lets them sign up online but where they have no human connection and may have to wait a long time for a response when they need to file a claim.
I haven't had multiple accidents, but I've been hit (when I was parked) twice, and I've made claims on my towing and tire-changing policy a few times, and have had claims related to weather damage to my roof (they also have my house insurance) and to a bizarre accident that required extensive auto body repair.
And my experience is very much like what the commercial wants people to believe. I know the people in my local office well, and we are on a first-name basis (they are Linda and Jim) and recognize each other when we've seen each other outside their office (the public library).
And in every case I've filed a claim, it could not have been simpler. It used to be that I called them and told them about the claim, and they offered me the option of coming by with receipts and they would cut me a check immediately or I could send it to them in the mail and they mailed a check to me within a couple of days.
Now they've changed the procedure so they can no longer cut a check to me when I'm in the office, but they mail it within 24 hours and I get it very quickly.
And when they had to have my roof repaired, it was very fast and easy. The agent came by to asses the damage the same day I called, I chose a roof repair company, they took care of all payment arrangements. I called them when the job was done and the agent came back to confirm, again, the same day I called.
So I think their ad is actually very accurate. It portrays the company as having agents and staff who know and like you, are willing to help, as long as you have an active policy with them, and you get fast, personal attention.
I can't believe I've written this whole paean to State Farm's customer service, but even without the ad, I would never consider dropping them in order to save a hundred dollars or so with a company that doesn't have an office less than a mile from my house and people who know me and respond immediately when I need them.
BTW, I had Allstate many years ago, and the first time I had to file a claim (my parked car was hit and the bumper was damaged by someone who drove off without being seen), they canceled my policy. So that guy who says you're in good hands with Allstate is a liar. You're only in good hands until you have to file a claim.