Allstate vs State Farm – Which is thbetr company?

is known to employ more than 60 million individuals dedicated to provide serving millions and providing them with insurance solutions. All state has more than 70 000 professionals offering insurance solutions to millions of individuals.Consumers are divided in their opinion of the two companies. Some think that State Farm is the better provider while others think Allstate is. There are individuals in our community who believe that since both State Farm and Allstate are big names in the insurance industry, it is hard to compare them both.

State Farm and Allstate seems to have a tough competition between them where they have almost equal votes in their favor. Both State Farm and Allstate share the same amount of criticism too from agents as well as consumers. Individuals have accused one of the 2 companies of denying claims for absurd reasons and the other of not paying claims again for absurd reasons.

The community has a State Farm agent putting his vote in favor of both the companies. The agent says that State Farm gives more importance to professionalism and a sense of healthy competition.

This company is accused of not being clear in their contract with the agents.

They have the reputation of overcharging consumers.

The fact of the matter is that, all insurance companies seem to have unhappy customers or employees. Each company has different policies and hence they may or may not suit a customer or an individual looking for employment with that organization.

Creating an agency through State Farm or Allstate?

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What consumers say about State Farm

I am interested in opening my ownauto insuranceagency. Can you advise which one is better between Allstate and State Farm? thanks

Hi, State Farm is not bad for you if youre not a body shop. You should know thatstate farm claim car repairsoffer lesser amount as compared to AllState. But then again All state is costlier in terms of Auto insurance premiums. Hope thats clear enough! Bobby_Rudy

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. Isnt that a good deal?

Honey, Allstate and State Farm, are the two biggies in the US insurance industry. Therefore, its very hard to compare between them. The above two posters have commented in favor of State Farm but Im darn sure that you will come across many who are happy with Allstate. State Farm or Allstate doesnt 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.

In that case Im sure youd love to count upon the feedback of an agent as well. Am I right ? Ive 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 wont 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 Im 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 dont 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 Id 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.

I could write volumes on why I dont 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.

Im 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, youll 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.

Please feel free to go to my website at if you have a specific question, you can email me directly. I hope I can answer any questions you might have. If not, I can certainly find an answer right away.

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.

Hey Keruxjts, why dont 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.

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 youd 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?

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 thats what I would do being a state farm agent.

So can you highlight some of the things that are not favorable to new State Farm agents. All Ive heard from every other State Farm agents and employees is how bad the new contract is for the new agents. I think its called AA97? State Farm wouldnt disclose any of it to me. I think their response was, Dont worry about that right now. If State Farm cant disclose their contract before I commit to them, Im scared to think what else I have to worry about once I do commit to them. Allstate wasnt scare to disclose their contract and agreement to me. Makes you wonder…

Posted: Wed Feb 13, 2008 10:38 am Post subject:

, Im 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 wouldnt commit to a cup of coffee without knowing what was expected in return…and certainly NOTHING contractual!

Never, never be afraid to do whats right, especially if the well being of a person or animal is at stake. Societys punishments are small compared to the wounds we inflict on our soul when we look the other way. Martin Luther King Jr.

Posted: Mon Feb 18, 2008 4:10 am Post subject:

So can you highlight some of the things that are not favorable to new State Farm agents. All Ive heard from every other State Farm agents and employees is how bad the new contract is for the new agents. I think its called AA97? State Farm wouldnt disclose any of it to me. I think their response was, Dont worry about that right now. If State Farm cant disclose their contract before I commit to them, Im scared to think what else I have to worry about once I do commit to them. Allstate wasnt scare to disclose their contract and agreement to me. Makes you wonder…

Anytime somebody gives you an opinion ask the following.

2) How would you do things differently?

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. Id 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.

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.

Having looked into being a state farm agent and working with Allstate for 7 years, I went independent.

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. Thats becoming harder and harder for many agents the way their rates are sky-rocketing as they make a push to scale back their exposure.

State Farm owns your customers. When you retire, youre left with nothing. You have to pay for running your agency the whole time, meeting all of their requirements. But in the end, its not yours. Might as well work for someone else and save the office expenses. They also dictate when and where locations can be placed.

I chose none of the above. Its 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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