I am a team member in an agents office, and I know for a fact that our customers care more about the customer service and the value that State Farm provides, rather than price..with all other factors being equal. That fact is most likely supported by the fact that I make it a point to remind every customer that I speak with, that whatever issue that they may be experiencing, they know each one of us personally. They know that when they call us, whoever picks up the phone will know them, and have a genuine concern for their concern. Most of my customers I know by the sound of their voice. There is no amount of money saved that can replace a valued relationship that has been forged by nothing but the phenomenal customer service that State Farm is known for. State Farm is an amazing company in so many ways, promoting the value that State Farm brings is beyond easy. Also just for the record...State Farm is on average and has been consistently a low price leader in rates across the board in all lines of insurance. If you're not promoting the discounts that are inherent in having multiple lines of insurance with State Farm, maybe that's why your customers are only seeing a price. and not the value. Also when you explain to a customer the difference between a mutual company and stock company, the individual ownership in State Farm, how they are not only a customer but owner in State Farm, the premium becomes less of a price and more of an investment, The dividends that State Farm pays back to policyholders from profits help to forge the gap between "us" (the average joe) and "them" the big, bad, insurance company, swimming in money without a care in the world for "us" and only want our money. To the truth, that State Farm is an all-cash company. They don't have a single pen financed. This shows the commitment to our customers to always the means to fulfill our promise to them first, Secondly, name another insurance company that overpays claims by an average of 4 % and until about 8 years ago, consistently paid dividends, The did this for many, many years. Also, we give our customer credits that can be converted to cash just by paying their mortgage or vehicle loans through State Farm Bank. I won't even go into the benefits of banking with State Farm, we will be here all night. The point is this. if you don't believe in the company that you are trying to promote, your only hurting State Farm. Price may be a factor in who we choose for insurance; However, if it's your customer's primary deciding factor, then the agent or team member has not done a good enough job in pointing out what makes State Farm different and most importantly demonstrated the COST OF NOT HAVING STATE FARM. They have not asked the right questions to find out the most important motivation for any person, what is the cost that you are willing to invest to protect what is important to you, bottom line how much is peace of mind worth to you? How much is that first realization after a catastrophic event, that you are protected? You know for sure that when millions of people are affected, and that company who saved you a few dollars, in unreachable because all phone lines and internet service is down, State Farm will still be there, because we live your community, we go to your church, we are a State Farm Family and we care for one another. We are experiencing your struggles, and we understand your situation, This isn't just a job to State Farm agents and staff, its a commitment to all of those we have made a promise to protect with the best coverage for the lowest premium, That is just a few things that separate State Farm from every other insurance company in the world.