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• 
  @mmoseman17 күн бұрын

  Great info, thanks Tia! I'll be sharing this one

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  @trailstoneinsurancegroup17 күн бұрын

  thanks, hope to help families save on their insurance when they add their children. ~ Tia

• 
  @perryallan352420 күн бұрын

  You should have stated up front that State Farm General only applies to California, and not the rest of the country. State Farm in the rest of the nation is A rated. State Farm has been loosing its shirt in California on home insurance, and State Farm is withdrawing from home insurance in California as a response... Overall - a very misleading video.

• 
  @trailstoneinsurancegroup19 күн бұрын

  Hi, you are correct State Farm General is a CA company, unfortunately, State Farm National owns the CA company and nationally State Farm is raising rates and non-renewing folks, this is not just happening in CA but across the county. ~ Tia

• 
  @perryallan352419 күн бұрын

  @@trailstoneinsurancegroup Almost all insurance companies are raising rates across the country due to unusually high inflationary increases for the cost of repairing cars, houses, etc. But California and Florida has exceptionally high insurance losses for a number of insurance companies largely because those States have refused to allow the insurance companies to increase rates to offset the higher risks that are now apparent. Thus a number of companies are leaving those States - especially for the house/structure insurance segment.

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  @trailstoneinsurancegroup19 күн бұрын

  @@perryallan3524 yes, thank you for the perspective ~ Tia

• 
  @nunyabiz178021 күн бұрын

  run

• 
  @captainlarrynosleepfishing535025 күн бұрын

  NO they wont pay !!!!!!! 😡😡😡😡😡

• 
  @deporter127 күн бұрын

  State farm has always been a scam...most expensive you can get a they will deny coverage or pay and cancel you...I was married to an agent and never agreed to their tactics

• 
  @stevepatrick1325Ай бұрын

  BS….. they have BILLIONS. Non-renewed in California. Get your facts straight.

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  @trailstoneinsurancegroupАй бұрын

  Hey @stevepatrick1325, you are right they do have billions and the non renewals are not happening just in California, also premium increases are nationwide. Not sure what facts you are referring to are not "straight". Take care ~ Tia

• 
  @stevepatrick1325Ай бұрын

  State Farm General as you video showed is on California business. Facts

• 
  @Luke_816Ай бұрын

  might have been a more accurate video 10 years ago but "captive companies" aren't that captive any more. Companies Like Farmers was used as an example as captive but left out that they have their brokerage Kraft Lake which always Farmers agents to write business with other carries such as progressive, Safeco, etc. even if the only reason is price. Some times Captive companies are the best option for customers, right now in my own state companies like State Farm are by far the cheapest for most people, not that premium is everything but it was another point made. No offense to any independents or to Trailstone as there are certainly pros of being independent I wouldn't deny that. I just think many of the arguments of why captive is so bad simply isn't true anymore.. At least not for all carriers some still are pretty bad.

• 
  @trailstoneinsurancegroupАй бұрын

  Luke_816, Thanks for your insights! The insurance landscape has changed, with companies like Farmers offering more flexibility to agents, this can provide some benefits to customers by providing options from multiple carriers. Also, you're spot on about Farmers and Kraft Lake offering additional choices beyond Farmers. Unfortunately, I have spoken with too many agents at Farmers, as well as other captives, and they will not offer an insurance company other than their captive brand because those commissions are significantly reduced. Here at Trailstone, our commission structures are fairly uniform and we are not deciding what to offer our clients based on a commission structure, we will offer what is best for the client. Your perspective on captive versus independent models adds depth to this discussion, thanks for sharing! ~ Tia

• 
  @killsun13Ай бұрын

  Could paying pro athletes and washed up actors hundreds of millions of dollars to do commercials have anything to do with this?

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  @trailstoneinsurancegroupАй бұрын

  Hi killsun13, Right? Did you see their Super Bowl commercial... they spent over $10 million on that. Who pays for that? ... the policy holders do with higher premiums. ~ Tia

• 
  @WaddlingWaffleАй бұрын

  An informative advertisement. Weird. But neat

• 
  @trailstoneinsurancegroupАй бұрын

  Thanks!! We love weird and neat, same to you :D ~Tia

• 
  @floydsdaname5401Ай бұрын

  Had state farm for a year and a half I was paying 197 for three vehicles and when I resigned after six months, they wanted me to pay 400 bucks a month!! They can shove it

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  @trailstoneinsurancegroupАй бұрын

  Hi Floydsdaname5401, sorry to hear that happened to you, I have been hearing that a lot lately. ~ Tia

• 
  @jameskarras6115Ай бұрын

  These jerks always delayed and REFUSED TO PAY LEGITIMATE CLAIMS....ALWAYS...

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  @trailstoneinsurancegroupАй бұрын

  Hey jameskarras6115, we have heard this from many body shops and previous SF clients. Sorry you had to deal with that. ~ Tia

• 
  @mrsparexАй бұрын

  I dropped them years ago... I had multiple worthless policies with them.

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  @trailstoneinsurancegroupАй бұрын

  Hi mrsparex, I am curious to learn, did something happen and they did not pay a claim? ~ Tia

• 
  @rickrothwell3472Ай бұрын

  I just dropped State farm in the last few days I have been with them for over 40 years they tried to charge me $700 a month for two used vehicles a 2011 Honda and a 2021 Toyota I dropped them like a hot potato.. they gave no explanation for the increase.. I just went with Farmers insurance and my car insurance is now less than $200 a month for the same vehicles. Guess they did me a favor..

• 
  @kalani1987Ай бұрын

  What state?

• 
  @trailstoneinsurancegroupАй бұрын

  Hey rickrothwell3472, glad to hear you were able to save, $700 per month is crazy. ~ Tia

• 
  @claudeivey4997Ай бұрын

  What is the difference between State Farm Insurance Co. and State Farm General Insurance Co.

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  @trailstoneinsurancegroupАй бұрын

  @@claudeivey4997 State Farm Insurance Company and State Farm General Insurance Company are both subsidiaries of State Farm Mutual Automobile Insurance Company, which is the main entity in the State Farm group of companies. ~ Tia

• 
  @dougwitte765Ай бұрын

  State Farm General is in California. So why isn't' your title indicating State Farm General? The title of your video is misleading to other states who use State Farm.

• 
  @trailstoneinsurancegroupАй бұрын

  hi dougwitte765, great question, I did address this question in the video,- the short answer, many insurance experts are speculating the downgrade on State Farm General may affect rates and underwriting issues nationwide for State Farm along with a large underwriting loss for State Farm nationally. State Farm has already filed for multiple rate increases nationwide. thanks for the question. ~ Tia

• 
  @ChrisBarry-bc5btАй бұрын

  Having worked for one of the mentioned captive carriers for 20 years, with my most recent experience being an agent for this company... I can tell you that the world of a captive agent is changing rapidly. With claims severity and frequency in most parts of the country increasing year over year, there are really 2 decisions a massive, captive carrier can make. Jettison risk (non-renew current policies) and/or take rate increases to absorb the cost of claims. Neither option is customer-centric... both options are bad for clients, but in the long term will create rate stability for the company. Organizations like Trailstone are the way of the future because we can still keep our client's best interests at heart. Large, captive carriers are only concerned with the corporation's financial well-being during times like these. Through consultation, Trailstone agents will find the right policies, with the right carrier, at the right price for YOU!

• 
  @RobertGrieveАй бұрын

  Another fun fact about State Farm auto coverage. They are the only company writing in Colorado (and many other States) that does NOT have the Appraisal Clause or Right to Appraisal for repairable vehicles. Whatever they determine is reasonable and customary to them is all they will reimburse their insureds.

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  @trailstoneinsurancegroupАй бұрын

  Hi RobertGrieve, yes we have been seeing this first hand with clients leaving State Farm after a claim. SF spends a lot on advertising and they need to make it up elsewhere... I believe claims suffer because of this. ~ Tia

• 
  @oleanmwaura503826 күн бұрын

  I had an accident what do I do

• 
  @trailstoneinsurancegroup25 күн бұрын

  Hi@@oleanmwaura5038, could you provide some details and we can point you in the right direct? Are you a State Farm client? looking for claim advice or submitting a claim. Please let me know. ` Tia

• 
  @RobertGrieveАй бұрын

  Excellent explanation!

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  @trailstoneinsurancegroupАй бұрын

  thanks @RobertGrieve.

• 
  @dylantheperson8173Ай бұрын

  Neat

• 
  @ChrisBarry-bc5btАй бұрын

  Financial Solvency of an insurance carrier is commonly mis-understood or not even taken into consideration when making decisions on which carrier is right for you. Thank you for helping to make sense of why a carriers AM BEST rating is important information to consider. Absolutely correct Tia! "non-rate action" will not improve the carriers status, they will have to increase rates to make this move back towards an "A" status. Claims severity and frequency are forcing large carriers to take rate in many areas around the country, and we will see more of these topics hit the news. Tia does a great job of making sense of what is happening in the industry right now!

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  @trailstoneinsurancegroupАй бұрын

  Thanks ChrisBarry-bc5bt, appreciate you watching our videos, great comments as well, you are speaking truth! ~ Tia

• 
  @mmoseman2 ай бұрын

  Love it! Thank you for making these videos, they are such a great education tool!! You're the best :)

• 
  @trailstoneinsurancegroup2 ай бұрын

  anytime keep asking & we'll answer! happy to help. ~ Tia

• 
  @kenabel2952 ай бұрын

  Thanks for making this video and unveiling the curtain on how agents get paid. It's good for everyone to understand that it's not more expensive to work with an independent agent, in fact, it's actually cheaper for you in the long run. Having an expert, licensed agent, in your corner is huge! Being able to ask questions or seek advice without having to reach out to the carrier directly can not only keep your annual premiums down but also ensure the coverage you have specifically fits your needs.

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  @trailstoneinsurancegroup2 ай бұрын

  Who knew agents and their payment methods could be this intriguing, right? ~ Tia

• 
  @user-xp6ih2ye1p2 ай бұрын

  This is such a thorough explanation of just one coverage of the many that are effecting our insurance rates. Well spoken, thank you!

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  @trailstoneinsurancegroup2 ай бұрын

  thanks for the feedback, please let us know if you need any help or have a question that we can help with ~ Tia

• 
  @milanobus2 ай бұрын

  Is this why people are taking their license plates off? Easier to hit and run.

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  @trailstoneinsurancegroup2 ай бұрын

  @milanobus, yes we recently heard this from one of our clients- they were hit by someone without plates, fortunately the at fault party could not drive the car away and the police confirmed the vehicle had not been registered or insured in over 3 years. be careful out there ~ Tia

• 
  @bravosava3 ай бұрын

  Insurance, the real thieves.

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  @trailstoneinsurancegroup3 ай бұрын

  right? ...it sure feels that way sometimes, especially when you don't have any claims. Let us know if we can help save you some money with the insurance thieves. ~ Tia

• 
  @Lastofthesigilites3 ай бұрын

  But...the hoa says keep it open...and i find the bike in the HOA heads house later on.

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  @trailstoneinsurancegroup3 ай бұрын

  Wow, did you end up talking with the police? …that is just not right. ~ Tia

• 
  @Lastofthesigilites3 ай бұрын

  @@trailstoneinsurancegroup oh I don't but there are hoa that order you to keep it open.

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  @trailstoneinsurancegroup3 ай бұрын

  did you get your bike back yet?

• 
  @Lastofthesigilites3 ай бұрын

  @@trailstoneinsurancegroup my bike was never taken but there is an HOA that does the garage thing and I was explaining a possible thing.

• 
  @tommatthews93413 ай бұрын

  What if someone wants to pay for their insurance with a credit card?

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  @trailstoneinsurancegroup3 ай бұрын

  Hi Tomm, Awesome… you know your baby steps and what Dave Ramsey teaches about credit cards. Lol. The insurance companies will let you pay with a credit card, even if Dave says “No”. ~ Tia

• 
  @bettertoaster3 ай бұрын

  What about this scenario: the thief enters and leaves my home through a window, that was properly locked. But because the door had the wrong lock, the insurance denies the claim.

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  @trailstoneinsurancegroup3 ай бұрын

  Hi Bettertoaster, Thanks for the question… this doesn’t seem to me to be a legitimate reason to deny the claim, I am not a licensed claim adjuster and don’t know all the details. ... but, if this happened to you recently, I would recommend speaking to the insurance adjuster’s supervisor and ask for the claim to be paid. Even if the door was unlocked insurance should respond if a thief entered your home and stole something. Wishing you the best. ~ Tia

• 
  @jdjphotographynl3 ай бұрын

  Is there actually a kind of claim insurance companies don't hate?

• 
  @trailstoneinsurancegroup3 ай бұрын

  Hi JD, You have a point, insurance companies would prefer not to have any claims. “Acts of God” or weather claims are not in “hate” category for an insurance company and too many weather claims will still affect your rates so we do our best to help our client mitigate all claims, unlike a captive insurance company. thanks for the question.

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  @OscarHanzely3 ай бұрын

  Insurance companies are a biggest fraud. The house burns down and they judge the owner ? They will be skeptical and lcaim on file will result in other "punishments". Ridiculous. They are only in business to make money.

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  @trailstoneinsurancegroup3 ай бұрын

  We agree with Oscar, a claim should be a claim, unfortunately the insurance companies don’t agree with me. ~ Tia

• 
  @user-vx8ow1hq7g3 ай бұрын

  Very good information. People need this kind of information before something bad happens.

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  @trailstoneinsurancegroup3 ай бұрын

  Totally agree! We are here to spread honest and valuable information!

• 
  @lamarerickson2743 ай бұрын

  🌺 'promosm'

• 
  @SwShop-zm7mq4 ай бұрын

  សាវាត់

• 
  @kenabel2955 ай бұрын

  Yup, my rates increased by 40% this year. Even after shopping, there are no better rates out there, all carriers are increasing their rates. It makes sense though, especially after the last few years and all the refunds/rebates/rates not increasing during COVID, doesn't mean we like it though!

• 
  @user-rg7nf5sj5i5 ай бұрын

  Very informative! Thanks for simply explaining this!

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  @trailstoneinsurancegroup5 ай бұрын

  Absolutely! Glad you enjoyed

• 
  @ricardodlr99965 ай бұрын

  Nice job getting so much information into one video! Very useful tips for when your next car or home insurance renewal comes up!

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  @trailstoneinsurancegroup3 ай бұрын

  thanks Ricardo, we appreciate you watching ~ Tia

• 
  @cynthialegolvan73085 ай бұрын

  Very informative. It's good to know that you do need insurance for owning a hot tub!

• 
  @cynthialegolvan73085 ай бұрын

  This is so helpful and informative. A lot of individuals are struggling to grasp the reason their rates going up and it's great to know what savings and discounts are available!

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  @trailstoneinsurancegroup5 ай бұрын

  Glad it was helpful!

• 
  @kenabel2955 ай бұрын

  Thanks for putting this video out there Tia, many people don't understand why rates are skyrocketing like they are, this is very helpful and informative.

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  @trailstoneinsurancegroup5 ай бұрын

  Exactly! Glad you enjoyed it :)