State Farm dropped my road towing because I used it 3 times a year for the last 3 years, and raised price for 6 months from $68 a month to $80! Legal?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Oct 15, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Alpena, MI

Asked on 10/15/2011

State Farm dropped my road towing because I used it 3 times a year for the last 3 years, and raised price for 6 months from $68 a month to $80! Legal? I am 63 years, and female, and drive my vehicle for pleasure, and am on low income basis! I pay my insurance by the month, and have State Farm Insurance. I got a letter that told me I was using my road service too much, and they cancelled it! They told me I was using it 3 times a year for 3 years, and this is excess of their policy! Now, today I got the bill for the new 6 month policy, and they raised it from $68 a month to $80 a month! I think they did this to punish me for what they say is excessive road service! Garages are screwing us over on high chgs. for delivering gas in theirown cars!

Answer given on October 16, 2011

Insurance companies offer roadside service to their customers at a nominal fee presuming it will be used lightly. If the insurance company feels the service is being used excessively they do have the right to drop the coverage unless you can provide them with evidence that you have resolved the problem. An example is that if you had to get a jump start several times, if you show you purchased a new battery, they may be willing to continue the coverage.The renewal premium does not have any connection to the dropping of the roadside service. The losses for roadside service are not rateable, and cannot be used as a rate adjustment. It is probable that there was a rate change made by the insurance company recently and it affected you at the renewal. You should contact your agent to explain the rate increase and see if there is some way you could reduce your costs through coverage adjustment, increased deductibles or find additional discounts.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption