I have been with State Farm for more than 40 years. In all that time I have never had a claim denied or had a significant rate increase due to a claim. On many occassions I have checked the rates of the other so called bargain companies and no one can beat the rate that I am paying. After one rate check with Geico they called me to offer me an even lower rate than I was quoted online, that was still $200 per year more than I pay now. The lady I spoke with couldn't believe how low my rate is with State Farm.