I try calling these guys and they never answer... Its the opposite of the state farm commercials where you have a problem and the agent just shows up.Weve never filed a claim and we filed one on our car - they covered a fraction of the cost. They called it wear and tear - they dont have you covered. It also took a week to get an agent to go assess our car.We have all the combined home and auto services for a discount, but I keep hearing from our Mortgage lender and friends that have other car insurance that we are overpaying on both...