I recently switched my insurance from Geico to State Farm (saved 1.4k every 6 months). I filled out the quote online and sent it to the agent, but I noticed that the agent changed my bodily damage (from 300/300 to 100/300) and uncured motorist (100/300 to 25/50), but kept the same price. The agent said he would fix it once the policy had unlocked in the system because it was currently being underwritten. My worry is that the agent is bsing and as soon as he makes the changes my insurance will go up dramatically.

Also, on the binder it states that my two cars need to be photographed within 5 days of receipt but I had told them that I refused to have the vehicles photographed until the agent made the changes to my bodily and uninsured motorist coverage as per my original online quote. State Farm also claimed they are willing to push the photography appointment back while my insurance policy was still in the process of being underwritten. I'm just skeptical if it will be underwritten at all. Anyone else have experience in dealing with State Farm?

 

No I have not experienced anything like this.

You should at this point go to a local office and speak with that branch manager and get the 411 on your policy status.

 

cars photographed? I have NEVER had to do this with Statefarm, and I have had them for 15 years with about 10 new cars.

 

its a NY thing with certain insurance companies. You have to take it to an inspection station and they have to send it to the insurance company. On a 3rd gen, I am surprised the dealership didn't do it
They do it more in city areas then suburban areas for dents and other claims that an owner may say they have. For example, buy a used car with a broken windshield with the intentions of having your insurance glass coverage to cover it. They wont do it because its purchased broken

 

you should be able to fax them the window sticker and that should be fine thats what i have done

 

They will often require an inspection or photographs if the car is not new when your policy goes into effect. They do this to ensure you don't have existing damage, switch to them, say it just happened, then file a claim. Since you have had your car covered by another company, even if only for a short time, they want to be certain of its condition at the time they take over the coverage.

 

this is correct when i bought my fusion new i was with state farm and all i had to do was fax the window sticker to them but when i moved to NJ i had to do the picture as i switched to geico but when i got the 3IS all they required was the window sticker

 

I have State Farm and haven't had to send them anything. I call them with the VIN and that's it.