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Rates raised 33% after 1 minor claim-customers for over 20 years!

Posted by Marty 
We have been both auto and home insurance customers of Farmers for over 20 years. We have never filed any auto or homeowner's claim. Last March my husband drove over a blind curb leaving a parking lot. It caused some minor damage under his car. The damage estimate was $2500, we had a $1000 deductible which we paid and filed our claim. When our policy came up for renewal our rates went up 33%! Farmers justification was that my husband caused a collision, the manner of which and amount of damage did not matter. Nor did it matter that we had been customers for over 20 years and had never filed a claim and have perfect driving records. . A supervisor said that the adjusters took away our safe driver discount because this was a collision and the manner of the collision or the amount of damage did not matter. The supervisor said that all claims filed under collision are treated the same way and the adjusters do not take any other information in to consideration- type of "collision", driving records, claim history or age of the driver. However upon speaking with our agent he was shocked by this rate increase and said he had never seen anything like this in his 25+ years as an agent. He said that he has seen big auto claims, one was a greater than a $40,000 loss caused by a teenage driver which only resulted in a 10% rate increase. He escalated our complaint about the rate increase to his supervisor and to the main office but it all fell on deaf ears.
We feel totally victimized by this company who we have been loyal customers to for over 2 decades. They have zero loyalty or compassion for their customers. We are wondering if they have discriminated against us because we are over 65 years of age.
I am submitting a complaint to the Arizona State Insurance Commissioner.

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