This agent flat out told me I had to put down 1/2 month premium to initiate my policy in October. Over 3 years my premiums went down as I did not have a single claim or ticket in that period. The premiums were still way overpriced and I was actually able to get a much better rate through Allstate and cancelled this policy.
I received my refund check in about 2 weeks, half of the amount I should have received back. When I confronted his office about this, they researched for another 2 weeks and contacted me back; explaining their records only went back to December. But because my premium costs went down, the balance of the money I put down — which I was told would be refunded upon cancellation — aslo "shrunk"
They are not accounting wizards, if you absolutely have to go with Farmers —beware of putting anything "extra" down to begin your coverage. They may not have any offices in the Caribbean... But they are most certainly pirates. Trust me, you'd rather be "in good hands"
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