Expert: Richard Hixenbaugh - 2/21/2009

Question
hi i have with state farm insurance   they send me notice of nonrenewal for policys  she had one accident in 2006 car was fixed  
and father had 2 accident in 2008  (car was totaled 2nd time but it was old car 1996 chevy lumina the total price was $2300 ) im many years now with state farm can i do anything what is my best option to get insurance they were good to me and low rates now this can i do anything about this nonrenewal notice  if i go to other company they have it in record from statefarm nonrenewal  and i have to pay other insurance from $380   to $1230 for six due to this  this is not right please help  .thank you

Answer
Hi Enes,

Unfortunately, there is nothing you can do. Insurance companies have underwriting guidelines that determine who is or is not eligable for their insurance program. When you have accident claims it is possible that you no longer qualify for their program and that is why they have non-renewed your policy.

You will have to shop around. You may need to check with 5 to 10 companies to get a reasonable rate. However, with 3 accident on the record you will not find rates as low as you had been paying to State Farm.

I hope this helps
Richard Hixenbaugh