My current insurance is about to expire, and I'm kinda torn between State Farm and Allstate. I've heard decent things about both, but also some horror stories, you know how it goes. Price-wise they're pretty close, but I'm more curious about customer service and how smooth the claims process is. Anyone have experience with either of these in Kentucky? Would appreciate hearing your experiences—good, bad, ugly, whatever.
I've been with State Farm here in KY for about 6 years now, and honestly, they've been pretty solid. Had a fender bender last winter (icy roads, ugh...) and the claims process was surprisingly smooth—got my car in the shop within a couple days, no major hassles. That said, my brother-in-law swears by Allstate, says their customer service is top-notch. But personally, I'd lean toward State Farm just because they've never given me a reason to doubt them yet.
Gotta say, if State Farm's been solid for you, why mess with a good thing? I've had Allstate before, and while they're not terrible, the whole "top-notch" customer service thing felt pretty hit or miss to me. Had one claim that dragged on forever because of paperwork nonsense. If State Farm's treating you right and handled your fender bender smoothly, I'd stick with them. Sometimes the grass isn't greener... it's just different grass.
- Had both insurers at different points, and honestly, neither was terrible or amazing.
- State Farm handled my windshield replacement pretty smoothly, no headaches there.
- But curious—have you checked if either offers better coverage specifically for luxury or high-end cars?
- Sometimes the real difference shows up in how they handle pricier repairs or specialty parts...
- Might be worth a quick call to each agent to see how they'd handle something more serious than a fender bender.
- Good points on checking luxury coverage. From experience with classic cars, I've noticed some insurers really drag their feet when sourcing original or specialty parts.
- State Farm was decent with my daily driver, but I haven't tested them yet on anything vintage or high-end.
- Curious if anyone's had direct experience with either company handling classic or collector car claims...do they push aftermarket parts, or are they flexible about OEM and specialty items?
