Actually, it's better to say you have a claim with State Farm than to say you are an agent/adjuster, etc. That way, the branch may offer you the State Farm rate. The latest agreement with State Farm says ERAC will offer 10% off the lowest available rate to any State Farm employee. Now SUVs and mini-vans aren't quite as cheap. I'm not sure how many offices know about this new rule, so you may still be able to get away with it.