Car Insurance with State Farm

Founded in 1922, State Farm has become one of the leading insurance, banking, and financial service providers in the United States. State Farm Insurance first product line was auto insurance, so it’s no wonder consumers consider them among their top choices of auto insurance providers. StateFarm.com has a detailed listing of their products ranging in insurance products for auto’s, motorcycles, home and property, identity protection, life, long-term care, and even small business insurance, to finance products such as banking, loans, retirement, mutual funds, estate planning, and annuities. Here is a brief review of their most popular insurance services.

Many Coverage Options to Choose From

State Farm has many coverage options, so you can Taylor your plan to have exactly what you are looking for. There is liability, medical payments, comprehensive, uninsured/underinsured motor vehicle, emergency road service, and car rental and travel expense coverage’s, to name a few. You can find out more about each product on StateFarm.com. Once you are on the homepage, you can opt to get a quote, which explains how each option will work for you.

Special Coverage Option

A unique thing about State Farm Insurance is that they consider all consumer types. So if you are an avid antique or classic car collector, State Farm has an Antique Auto Insurance Coverage. It includes the same great coverage’s for a normal automobile, but also loss of earnings. In the event of a total loss, the will pay an agreed-upon value that you and your agent decide, rather than the cash value of the car.

Enticing Competitive Discounts

Ensuring the family as a whole is not a problem with State Farm’s competitive discount packages. Their accident forgiveness program ensures your rates do not go up if you are involved in an accident. They offer a good driver and good student discount. Military personnel are also eligible for discounts.

Another nice thing about State Farm insurance is that they reward their loyal members with their loyalty discount program. And of course, you can bundle their packages to receive a greater discount, such as their renters or life insurance policies. A few of their featured discounts include:

  • Defensive Driver Discount
  • Low Mileage Discount
  • Military Discount
  • Multiple Policy Discount
  • Discount Finder
  • Family Discount
  • Organization Discount
  • Prepay Discount

One of the great things about State Farm is that they will actively work to find you discounts. At your policy renewal date, they will go over possible discounts.

Life Insurance Options

As mentioned, State Farm insurance also offers life insurance policies. There are term, whole-life, and universal products available. There are flexible policy options such as cash surrender, term conversion, and survivorship to make sure an individual’s needs are continually being met.

StateFarm.com has a convenient life-planning tool to help you make the right insurance coverage choices. There is a handy life insurance calculator and explanation of how each policy works. State Farm has numerous options and riders as well. They offer 5, 10, 20, and 30-year term policies, which are attractive to young adults. They even offer the Mortgage Term Life Insurance in the event of a mortgage holder’s death; the mortgage is then paid in full.

State Farm’s Home Insurance Options

State Farm also offers home insurance and renters policies. They have standard policies for mobile homes, condos, and single-family residences. They offer property and liability coverage for small business owners and farms. Their home and property insurance have riders available for floods and roofing.

You can quote your homeowners or renters insurance online with StateFarm.com as well. They offer a wide range of discounts such as for having smoke detectors and fire alarms, yet they don’t offer as many as other leading competitors such as a new homeowner discount. This is a disadvantage for new homeowners of course, yet they could combine some of the other services for a good discount.

Great Online Access, Even on the Go

For some, State Farm’s mobile app is a great benefit. You can view their site via your iPhone and Android device. This app is called Pocket Agent, and you will have full access to your account. Just as online, you can make your payments, report a claim, find a State Farm agent in your area, and even access copies of your insurance cards.

Superior Claim Process

State Farm makes claim processing simple. You can call an agent or process your claim online. There is a step-by-step process to help you include every detail, so your claim goes through smoothly. In addition to this, you can check your claim status online as well.

Payment Options

Compared to other auto insurance providers, the major disadvantage with State Farm is that you aren’t eligible for a discount if you pay your premium in full. They do however offer a prepayment discount.

State Farm Insurance does have many pros when compared to other competitors out there. Start your search with StateFarm.com to compare their products and get a quote. Their educational resource center will help you figure out what’s best for you.