\ I suspended my insurance for three months because I left for vacation. When I came back, the first bill had a 53$ policy change fee. I wasn’t very happy but thought it could be the fee associated with the reactivation of insurance after the suspension. The second bill still has the 53$ fee and there’s a note saying the next one will also have it, totally three 53$ just for a policy change fee!? I googled this and didn’t find anything. I plan to call my agent soon but my previous attempt at calling, emailing him always resulted in no response. I’m getting pissed, what should I do?


I think you are misunderstanding the billing. They do not charge fees for a policy change, the change you request may cost more but it isn’t a processing fee.


There’s no such thing as “suspend your insurance”. You cancelled it, or maybe, just maybe, you suspended the billing. Odds are, that $53 a month is paying for the time when the insurance was in force, but you weren’t paying for it.
Not a ripoff.


you can’t just go and suspend the insurance with no penalty

Happy Gramps

instead of trying to call your agent, why not send an email, or if you need to, send a letter via usps

Casey Y

If your State Farm agent isn’t calling you back, you can complain to their corporate offices.
Most companies don’t allow a suspension of coverage, especially if you kept those license plates on the vehicle (having a registered vehicle without insurance is, in most states, not permitted). So, the premise of your situation is questionable…


After forty years in the insurance business I never heard of a company charging a fee to make a change which does not affect underwriting. They may have just issued you a new policy, and somehow considered your suspension a time you did not have insurance, but continued to own a registered car. I know the two states I have practiced in would have charged you for that. If you added or changed a car, or a child got a DL those things would affect premiums. Some states will limit fees an agent can charge for his/her service, I’d be really surprised if State Farm would allow it. They are all what is known as a captive agent, meaning you can not represent any other company. There might be some cases they allow their agents to write outside of the State Farm family, but that’s speculation on my part.

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