Paul Sanchez
If you've locked yourself out of your car, State Farm's Emergency Road Service coverage can help. This coverage includes locksmith labour for up to one hour if your car key is lost, stolen, or locked inside the vehicle. State Farm does not have its own locksmiths, but they will reimburse you for the cost once you submit an invoice. This claim will not affect your overall premium.
State Farm's Emergency Road Service also covers other services, such as towing to the nearest repair location, delivery of gas, oil, or a battery, and mechanical labour at the breakdown site for up to one hour.
The cost of State Farm's roadside assistance is about $30 per year, while competitors like AAA charge between $64 and $124 per year.
| Characteristics | Values |
|---|---|
| Locksmith services | State Farm's Emergency Road Service covers one hour of locksmith services if the key to a covered vehicle is lost, stolen, or locked inside the vehicle. |
| Towing | State Farm offers towing to the nearest repair facility if the covered vehicle is on a public road and can't be started or driven without causing damage. |
| Delivery | State Farm covers the delivery of gas, oil, a battery, or tires, as required to make a covered vehicle drivable. |
| Cost | State Farm's roadside assistance add-on costs about $30 per year, while AAA costs between $64 and $124 per year. |
| Coverage | State Farm's roadside assistance covers the insured vehicle, while AAA covers the driver or passenger in any vehicle. |
What You'll Learn
State Farm's Emergency Road Service coverage
One of the notable features of State Farm's Emergency Road Service coverage is its inclusion of locksmith services. If you lose your keys, have them stolen, or lock them inside your vehicle, State Farm will cover up to one hour of locksmith labour to unlock your car. This can be extremely valuable in lockout situations, saving you time and money.
In addition to the above, the coverage also provides mechanical labour for up to one hour at the breakdown site. This can be used to address minor issues with the engine, electrical system, leaks, and more. It's important to note that labour costs beyond the first hour and towing costs beyond what it would take to tow the vehicle to the nearest repair facility are not covered.
To check if you have Emergency Roadside Service coverage with State Farm, look for Coverage H on the back of your insurance ID card or log into your account and view your coverages. Adding this coverage to your policy can be especially useful if you own an older or less reliable vehicle. While the cost varies based on several factors, most customers find it to be surprisingly affordable.
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Cost of locksmith services
State Farm's Emergency Road Service coverage includes locksmith services if you have locked yourself out of your car. This covers locksmith labour for up to one hour to unlock a covered vehicle if its key is lost, stolen, or locked inside the vehicle. However, this does not cover the cost of replacement items such as a new key.
The cost of locksmith services varies depending on several factors. On average, locksmith services cost about $150 per incident or $50 to $100 per hour. The price can increase depending on the time of day, your location, the complexity of the lock, and the type of lockout (residential, commercial, or automotive). For example, locksmith services during after-hours or weekends can cost up to $300. Additionally, locksmiths may charge a trip fee, which is influenced by the distance they need to travel to reach you.
If you require more than just a lockout service, the cost of locksmith services can vary depending on the type of service provided. Here are some common locksmith services and their associated costs:
- Rekeying locks: $75 per hour on average, plus a trip fee of up to $150.
- Changing locks: $40 to $100 per lock, plus $15 to $40 per lock for labour. The total cost for changing locks can range from $50 to $300.
- Upgrading to electronic locks: Up to $2,000 for a whole-home system.
- Car lockout services: Between $75 and $150 during the day, and between $150 and $300 during after-hours.
- Replacing car door locks: $200 to $600.
- Rekeying car ignition: $50 to $150.
- Installing a new keypad: Up to $400.
- Making new regular keys: $5 to $10 each.
- Making or reprogramming transponder keys: $75 to $400 per key.
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Reimbursement for locksmith services
State Farm's Emergency Road Service coverage includes locksmith services if you are locked out of your vehicle. This includes situations where your key is lost, stolen, or locked inside the vehicle. State Farm will reimburse you for the cost of the locksmith service, up to one hour of labor. This is considered a basic roadside assistance service and is not a separate, additional service.
To be eligible for reimbursement, you must have Coverage H (Emergency Road Service) as part of your State Farm auto insurance policy. With this coverage, State Farm will be billed directly for basic services, so you won't have to pay any upfront costs. However, it's important to note that you may still incur out-of-pocket costs for replacement items, such as tires, gas, and batteries.
If you do not have Coverage H, you will need to pay for locksmith services at a competitive rate negotiated by State Farm, which is usually lower than the market rate. In this case, you can contact State Farm's service provider at 877-627-5757 to request assistance.
It is always recommended to review your specific auto insurance policy and its fine print to understand your coverage and entitlements, as they can vary by state and individual circumstances. Contacting a State Farm agent is the best way to get personalized information about your policy and coverage options.
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Conditions for reimbursement
State Farm's Emergency Road Service coverage includes locksmith services if your keys are lost, stolen, or locked inside your vehicle. This coverage is available for up to one hour of locksmith labour.
If you have State Farm's Emergency Road Service coverage and require locksmith services, you can follow these steps for reimbursement:
- Contact State Farm or their roadside partner as soon as possible. Keep your phone charged and accessible so they can reach you with any questions or updates.
- If your coverage is verified, State Farm will be billed directly for basic services, and you may not incur any upfront costs.
- If you have not previously added Coverage H (Emergency Road Service) to your policy, you will need to pay for the services at a competitive rate negotiated by State Farm, which is usually lower than the market rate.
- Submit an invoice or receipt for the locksmith's services to State Farm for reimbursement.
It is important to note that State Farm will not cover the cost of replacement items, such as new keys, but only the labour cost of the locksmith. Additionally, some insurance companies may require a certified locksmith or a locksmith approved by them for the service to be covered. Therefore, it is recommended to contact your insurance provider before calling a locksmith to understand the specific conditions for reimbursement.
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Comparison with AAA's Roadside Assistance
State Farm's Emergency Road Service Coverage provides assistance in the event of a vehicle breakdown or disablement. This includes locksmith services for up to one hour if the keys are lost, stolen, or locked inside the vehicle. State Farm will send a service provider to assist with the issue and will be billed directly for basic services. However, there may be out-of-pocket costs for replacement items such as tires, gas, and batteries.
In comparison, AAA's Roadside Assistance offers similar services and is available 24/7 nationwide. They provide towing, vehicle lockout assistance, jump starts, fuel delivery, flat tire service, and more. AAA has a fleet of over 63,000 towing and roadside service trucks across the country. Their services are available to members in any car, whether as a passenger or driver, and they can be requested online or via text message. Most common roadside services are included in the membership, but some may require an extra charge depending on the membership level.
Both State Farm and AAA offer comprehensive roadside assistance services, including locksmith services for vehicle lockouts. State Farm's coverage is included in their Emergency Road Service Coverage, while AAA's services are available to members with varying levels of benefits depending on the membership type. State Farm's coverage may include more labour costs, while AAA's services may have more limitations on the number of service calls or mileage included.
State Farm's Emergency Road Service Coverage is an optional add-on to their auto insurance policies, providing assistance for various roadside issues, including lockouts. In contrast, AAA's Roadside Assistance is a membership-based service, offering a range of benefits, including lockout assistance, to its members. Both options provide valuable peace of mind for drivers, ensuring assistance in unexpected situations.
Overall, while both State Farm and AAA offer similar roadside assistance services, including lockout coverage, the specific details, costs, and limitations of their respective programs may differ. It is important for individuals to review the coverage options, limitations, and costs associated with each provider to determine which option best suits their needs and provides the most comprehensive protection.
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Frequently asked questions
Yes, State Farm's Emergency Road Service covers locksmith labor for up to one hour if the key to a covered vehicle is lost, stolen, or locked inside the vehicle.
State Farm covers the cost of locksmith labor for up to one hour. You will need to pay for the cost of any replacement items, such as a new key.
If you get locked out of your vehicle, the first step is to call your auto insurance provider. They can provide guidance on the coverage available and may offer recommendations for certified locksmiths to contact.
You can check if you have Emergency Roadside Service coverage by looking at the back of your insurance ID card. If you have coverage, it will say "Coverage H". You can also log into your account and view your coverages.
State Farm's Emergency Roadside Service covers towing to the nearest repair facility, delivery of gas, oil, a battery, or tires, and one hour of mechanical labor for issues like fluid leaks and other mechanical problems.
