Quote:
Originally Posted by el ess A
I agree. The OnStar + State Farm discount is likely a scam sham. Since the wife wants it in her Caddy and I've got State Farm, I enrolled. Going up $50 over the last 3 years every 6 months and the car keeps getting older kinda makes me wonder how many CTS wagons are getting banged up.
Issue is, it's a 6-month LAG factor with the program, so you won't even see any discount until the next time you renew. Because they have to keep tabs of your mileage, so I get that. But if it DOESN'T go down next renewal period, I'm dis-enrolling and going with the stated low-mile discount.
If you ask State Farm directly about the low-mile discount, they'll enroll you for that right away, no waiting. I got that on the 2010 SS already, and I don't have OnStar for that car anymore.
Not sure if it's worth it or not- yet. Time will tell. If they send you a rebate check for that percentage, then it might be a true percentage. But they never said that's what they'd do.
I still think it's more of a scam because State Farm rates were jacked up on all my vehicles about 5% when I renewed in January, so there goes your discount for signing up right there. Plus, they'll likely just jack it up 10%, claim that repair costs are going up, then charge you "less", which means they're still making more money than they should. Probably a bait and switch. Or that ACA needs to get paid for...
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not a scam, but with onstar you allow them to see your driving habits, excessive speed, hard stops, etc, not just mileage, so you are basically telling on yourself..
same as that progressive snap shot deal.
I have the mileage discount with State Farm, simply requires me to log in to their website and record the vehicle mileage every 6 months, if I above the max miles for the discount, the discount gets removed and the rate goes up.