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@ashyokami It would be different if you were dealing with the company direct, like a Progressive or a Foremost, but when you have a local agency - the processing usually takes a bit longer.

@ashyokami Good. It sounds like you can work this out.

@ashyokami Have you called and asked them if they would put your only vehicle with comp only? It's possible. There are insurers who will, if they won't. But I assume you've got some other policies with State Farm? Like home or renters?

@dannyboy1958 Unless he's got another policy with them. But I don't know. That could be a game changer. Also, I respect your point and your opinion, all that could very well be the case. But I am confident in my opinion, that it won't matter to State Farm and they won't cancel him for it. Even...

@dannyboy1958 I'm not trying to pick a fight on the internet, but I'm having a hard time wrapping my mind around how exactly the insured is taking money from the firm? The amount going in will be greater than the amount going out no matter how many endorsements he makes.

@dannyboy1958 I'm sorry, man, but I'm going to disagree with this as well. I've worked for Farmers Insurance / Zurich & now with a local agency. There is no way that a company larger than Farmers gives a damn how many times you change your policies a year. They're not ever LOSING money on this...

@ashyokami If I were your agent, I would advise you to put the car in storage (comp only) and call me when you want to put liability on it to drive then call me again when you want to put it in storage. One of these guys said that the service reps might get annoyed, but that's their fucking...