About to go to war with State Farm agent!

creggur

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First off, let me say, I've been a State Farm customer for 20 years with the same agent. Have always had good service, only a couple of claims and they were handled without issue. Having said that...

I've been trying for a month to get an insurance policy with the correct VIN on it for my bike and am just about to lose it.

This has been going on since I first called my agent the Monday after buying the bike. I gave them all the necessary information to transfer the policy from my VFR 800 to the Tenere. Thought all was good till a couple of days later when my agent's office called and asked me to verify the VIN I'd provided, as they couldn't find the bike in Florida DMV records. I verified the VIN and it still wouldn't come up in their system as a good number. I called the dealer and had them verify that the VIN on my paperwork matched the MSO and called my agent back and told them as such. Still no good. I told them I'd copy the VIN on the bike and call again tomorrow to verify. The VIN on the paperwork matches what's on the bike, so I called my agent again to let them know. They still couldn't pull it in their system, so I gave her the number to the dealership and asked if she would call and talk to them. I called my dealer and explained the situation and my sales guy, Tony, volunteered to call my agent and talk to her directly to get things straightened out.

I verified with my agent that they had talked to the dealer, and I was covered, and that everything was fine.

I thought nothing more of it until a week later when I received my Declaration Statement and Insurance cards from State Farm with the wrong VIN and bike model listed. The last six numbers are the same, but the model is listed as a 1300cc cruiser of some model. I received them on a Saturday while my agent was closed so I called State Farm directly and told them of the situation. The customer service person was very nice, took the information, ran the VIN and said, "is that a Yamaha Super Tenere?" I verified it was and she said she couldn't understand why the agent was having as issue, would send them a message to straighten out the situation, and once again verified that even though there was a clerical error, the bike was covered.

Tonight, a week later, I get home to find a State Farm envelope in the mail. Thinking it would be my corrected insurance policy and cards I opened it to find....you guessed it...the same wrong VIN and model on a new set of cards and Declaration Statement. ::010:: ::010:: ::010::

I don't know what I need to do to get my agent to straighten this the hell out short of riding down there and threatening to change agents if his staff is too incompetent to type a VIN into the State Farm system.

Thanks for reading my vent...
 

HoebSTer

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GOTO A DIFFERENT AGENT!!!!!!! PROBLEM SOLVED!!! Since the STate farm corp cust. svc person recognized the Tenere.
 

HoebSTer

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I grew up in a small town in Ohio, we had a Progressive Agent, i bought through her. I stumbled into another Progressive agent 10 miles away out in a tiny little town smaller than my town of 1500 people and he had better rates by 20% at least. He said it was based on the number of clients he had. After awhile i went straight to Progressive and bypassed the agents all together. I am still puzzled by the insurance rates for a 40 yr old male, married one kid and no speeding tickets, which are two-thirds of what my policy was when i was 24 with 4 speeding tickets on it. I do live in the Seattle area now though. So that easily makes it 50% higher than normal right???? HA!!!
 

Camshft

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Been with state Farm for 35 years. Still waiting for recent claim [January 09th - house invasion and theft]. Never an issue with State Farm before and they have always been exemplary. Not so much now. Something has changed with State Farm? Not sure what it is, but we are off to ScotiaBank.

After all this time, we are moving everything we have with State Farm. Sad, really.

Camshaft
 

elizilla

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When I bought my NT700V, I and lots of other folks on that forum had trouble with the NT's VIN, too. Apparently there's some kind of fail when it comes to getting VINs into their systems for new models.

Progressive was a little croggled by my Super10; the VIN came up in their system as a dirtbike. As a result I got a very low quote. I jumped on that with both feet of course, and since the VIN on the declarations is correct, that's that. But I would not be surprised if next year the renewal quote is much higher.
 

Karson

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mcbrien said:
My state farm full coverage insurance is $ 135.00 a year :) 500 duct.
Jeez. My progressive insurance is $39/mo full cov w/ 500 deductible comp 1000 deductible collision.

No claims/tickets past three years. Guess it sucks to be 26 and claiming as single. Is lower insurance a good reason to tie the knot?!? ::025:: ::025::

@op - that is the ultimate run around what you are getting. Insurance agents are plentiful - I'd be on the hunt for an agent/insurer that understands motorcycles.
 

EricV

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Insurance rates are very location dependent. One of my friends used to say his rate was decided by a blind monkey on crack throwing darts at the wall with different rates all over. What ever the blind monkey on crack hit, that was your rate for that quote.

The Super Tenere gets weird rates all the time for several reasons. One is that all other Yamahas with XT in the model are dirt bikes, mostly smaller ones. Then you get the Ins. companies that just use 'street' and 'displacement' to decide rates. Then you get the whole first US model year problems too.

Our Ins agent made several VIN mistakes when we changed our vehicles over to them. Eventually got it sorted, but yeah, it was annoying. Using a combo of MetLife for the cars and SafeCo for the bikes now. Nice to have an independent agent that will find the best rates, even if he has to use different companies for cars and bikes. Saved us a ton.
 

Twisties

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Agent? What's that?

I just do it all on line now. Works like a charm. I can see and play with all the options on all the coverages. Enter the info correctly. Get as many quotes as I want quickly. Save $$$'s and save time.
 

Venture

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I have State Farm for home and auto. I previously used them for the cycles as well, but went to Progressive for two reasons:

1. Progressive offers cycle roadside assistance
2. Progressive was actually cheaper than State Farm

Sometimes you have to play the field. I've never had a claim with either company, so I can't comment on the claims service.

I did a quote for a Tenere through Progressive to replace the Tiger, and the premium jumps enough that I'll give my State Farm agent a call for a quote as well.
 

Venture

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Twisties said:
Agent? What's that?

I just do it all on line now. Works like a charm. I can see and play with all the options on all the coverages. Enter the info correctly. Get as many quotes as I want quickly. Save $$$'s and save time.
I haven't made any policy changes lately, but a few years back State Farm's online offering was woefully behind the other companies like Progressive. Progressive REALLY has their online tools put together well.
 

colorider

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I started with State Farm way back in 1968, so I have a "bit" of history with them. All of my auto and home insurance experience has been stellar. Motorcycle experience concerning rates has been all over the board. I've dropped them and drifted to other companies off and on over the years due to their "at the time" rate policies on the particular bike(s) I owned. Presently I am with them again and they initially had problems finding the SuperT in their database, but eventually got it sorted out. Their rates are "so-so" (slightly higher than what I was paying for my '08 FJR). I think I could actually do a little better, but figure it's worth it to keep all my vehicles and home under the same company.
 

rem

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I spent 20 years on the State Farm. They turned me loose a couple years ago. Figured I was too old to do it again. R. ::012:: ::012::
 

Firefight911

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rem said:
I spent 20 years on the State Farm. They turned me loose a couple years ago. Figured I was too old to do it again. R. ::012:: ::012::
Yup, he's still got it! ::26:: ::26::
 

MNs10

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My State Farm agent had trouble figuring out what my bike was too. He got it right eventually but it took several phone calls. He said something about calling 'a part of the company' (sorry, can't recall what part exactly) he rarely needs too. And he went on-line to Yamaha's site to see for himself.

I'm guessing the info available to the agent(s) is lacking...
 

creggur

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MNs10 said:
My State Farm agent had trouble figuring out what my bike was too. He got it right eventually but it took several phone calls. He said something about calling 'a part of the company' (sorry, can't recall what part exactly) he rarely needs too. And he went on-line to Yamaha's site to see for himself.

I'm guessing the info available to the agent(s) is lacking...
Glad to hear I'm not the only one...
 

rem

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My insurance people knew what I was talking about right from the get go .... late July. I don't know how that works, but they had it in their system. I gave them the XT1200 yada yada and she came back and asked ... "Is that the Super Tenere?" What a woman. You heard it here first. R ::008::
 

Dirt_Dad

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Used State Farm since 1984 for cars and later home. Never have had them cover my bikes. Progressive is much lower cost. After a major bike accident in 2011 they did a great job of taking care of the claims and did not raise the rates. Now I'm wondering about moving my autos over to Progressive.
 

mcbrien

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UPDATE : Just got my policy in the mail . Seems I bought a XT 250 :)) . Now my insurance is $360.00 a year :'(
 

colorider

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mcbrien said:
UPDATE : Just got my policy in the mail . Seems I bought a XT 250 :)) . Now my insurance is $360.00 a year :'(
What did you own for the $135/year rate???

:)
 
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