Nacogdoches, TX

Friendly, and Professional.

Insurance is a very tough business and I understand that. But I have rarely had any service that I pay for where I was unable to receive assistance or answers to my questions as I had with Ted Smith and his insurance agency through State Farm. First and foremost, my policy would run from January through June and then from July through December. Before I go further, I completely recognize that I could have been proactive and looked up my policy and premium changes online. However, I just took for granted that when my new 6-month policy started that if there were significant changes, I would have been contacted. I was wrong. I received my new policy in the mail on August 15, 2025 (approximately 6 weeks after the policy was already in effect). I have homeowners and four vehicles that I insured with Ted Smith and State Farm. Two of my vehicle premiums were double the amount of the other two. I called to simply find out why. The first person I talked to told me that I would need to talk to the pricing specialist, and they would have them give me a call. Two days went by, no call. I called back, and they transferred me to the pricing specialist. I got one answer, one of the premiums was more expensive, my 17-year-old daughter was on that vehicle. I completely understand. But then I asked about my other vehicle, which is a 2014. No answer could be given as to why that vehicle was more. Once again, I was told I would have to speak with someone else to get that answer. Two days later, I got a call back. I was told that the vehicle was in an accident and that is why the premium was more. I replied that the accident was the other party's responsibility and the claim was filed on the other person's insurance, so why would my premiums go up. The response was that even though the other party was at fault and their insurance paid, this vehicle now has an accident surcharge on it for this six-month period, but I should relax because that surcharge comes off in January of 2026. This was absolutely ridiculous to me! I told them I did not want to pay that when I was not the responsible party for the accident. I was told that I would, once again, have to talk to someone else to get that addressed. Of course. This whole process took over two weeks. Meanwhile, I shopped and found insurance through another provider with higher coverage, and my premiums are good for 12 months (not 6), and the premiums are lower. Best of all, my agent gave me his personal cell phone number to call if I have any issues. Seems nice to have better customer service. So, for all the positive reviews here, I will just say this is just my experience with Ted Smith and State Farm, but it was a really terrible experience, and I felt the need to share it! Insurance is incredibly expensive, and when I pay large amounts of money for a service, I expect that service to be better than what I received. I would encourage everyone who has State Farm to thoroughly read through their policies. I would almost guarantee you will have questions. I hope you have better luck than I did in getting answers to your questions. Hopefully, they read this and use it to provide better service to their other customers.

I had a fantastic experience with State Farm, all thanks to Chloe! From the moment I reached out, she was incredibly helpful and patient, walking me through different policy options to make sure I understood everything. Chloe took the time to listen to my concerns and found a plan that perfectly fit my needs and budget. Her professionalism and dedication to customer service are truly outstanding. I highly recommend reaching out to Chloe at State Farm for all your insurance needs!