Yes I am still swearing and wanting to beat on State Farm Insurance and the way they pull crap on you. You have to wonder how much of a rip off insurance is these days. Ever since Texas went to Mandatory insurance my rates have skyrocketed. I remember back in my car repair days I carried a policy that would allow me to be covered no matter what I drove for peanuts and it was nice. I had good coverage and even homeowners back then. Simple easy reasonable and they covered you and took care of you.

Then came the end of Ann Richards term in office as Governor and within months the insurance company's had bribed all the people and suddenly mandatory and unregulated insurance happened. I still remember the talk that it would make insurance cost less. "Competition and everyone having insurance will drive the costs down!" They all cried. "What a crock of shit!" I say.

Explain why my insurance went up 400% and never did drop? Along with the total lack of service and worse you had to always hire a lawyer in any accident because the company's always refused to pay for damages. It sucked and worse it cost all of use plenty and I hate to say it but there were now more uninsured drivers then ever!

I always had insurance and rarely had any claims. Come to think if it..... I have never been in an accident that was of my own cause. Not a one. I've been hit sure. Along with my car sitting out front of my home being hit three different times over the years. One was a hit and run that I got nothing from and it totaled my car. The other two were drunk Mexicans that were working here and both we caught and held for the cops. Surprisingly they had insurance!

Still as of the past ten years my insurance has barely changed and it seemed that my rates were ok, I'm an older driver with a squeaky clean record and not a single ticket in many years. No accidents in the past ten years. So I was ok with my insurance being forty two dollars a month for my old Chevy Cheyenne Pick up that is ancient 1972 vintage. The coverage was state minimum and I had my renters also. It was not very expensive and well not a bother for years.

Then my agent tried to up-charge me because I had another driver in my home. WTF? I went down to argue about this and her response was that "Your Roomate has access so we have to charge you more." I was shocked at this BS and let her have it and stormed out of the office. Several days later she sent notice she was dropping me as my agent. I more than suspect this was because she found out I was Transgendered.

I actually had moved to another town thirty miles down the road and just called up the local agent and he took me with no issues and rolled his eyes at the roommate charge and it was never brought up again. It was normal draw from my bank and it was not an issue and the prices stayed the same.

Fast forward to about three months ago. The old agent that was handling me retires and sells his business to another guy. Hum noting seemed different. I purchased a Ford Taurus of 2000 vintage from a friend it was well cared for and the engine had been basically rebuilt and new everything. My friend's old Toyota was on its last legs and the car easily cared her ancient father and myself and her to anywhere with working air and reasonable gas mileage.

I called my agent and added the Taurus to my policy and figured Meh it cant be much since its old and basic insurance along with my combo policy. "WRONG!" I got my bill and it had doubled! What the Fuck! I called them up and asked what the hell was going on and got nothing so I had them remove my truck since I was not really driving it. Next month even bigger bill! That was it! I walked into the office and went to the agent and tried to find out what the hell was going on. In the end after all the Bull Shit..

I find out they suddenly raised my home owners insurance. (No notice) They could not explain to me why the rates went up. Just now how does a newer safer car cost more than my ancient truck? Its fifteen years old yes but its covered for state min coverage anyways like my truck. I could not get any other insurance. After all the smoke cleared I was to pay another payment of eighty five dollars and then the next payment would be 65.53 per month for my car and home. Well it still seemed off and over priced.

While I was there I made sure the new payments would be taken out of my local bank account and also made sure they had my correct phone number. I even watched her input them in the computer. So about a month passes and I get a letter in my mail box from the bank in the other town. I was overdrawn and now had two charges and was not in the negative money area. When I saw the amount I blew a fuse. It was the Insurance payment that I had carefully instructed them to charge my new bank.

I walked into the office waving my overdraft notice and found only one back up person there. I let her have both barrels. The plade has done nothing but Phail! Phail this and Phail that. "But we called you?" she said. "What nunber did you use?" I asked. "Well ??? ??? ????" I rolled my eyes. "Thats my old number I had the person change I watched her input it in your system. Total Phail! Now you owe me twenty one dollars of an overdraft fee. I expect it to be paid and the bank contacted about the mess- up." I remarked tossing the overdraft notice at her and left.

When I got home I called up another local insurance company Germania and talked with the agent. Her comment was "We have been getting a lot of his people here lately." I wonder why? Anyways after discussing my needs and the crunching of their numbers. I found out that State Farm was indeed ripping me off!

Since it was Friday I had to wait till Monday. I went down to Germania and talked to the nice agent and in the end I paid less for coverage on both my car and Truck along with my renters! Sixty two dollars for all verses sixty five for my car and renters from State Farm. I'm very happy and none to happy with State Farm.

I also called my bank and explained what happened and they gladly waved the fees and put my money back in my account along with a note to not accept any charges from State Farm. I also walked to my in town bank and made sure that State Farm could not bill me either. Well at least after all the frustration and overpaying them one month its done and I have a better deal and both car and truck covered with renters for less@