State Farm Auto Insurance And North Carolina's Personal Injury Protection

State Farm offers auto insurance in North Carolina, with agents in cities such as Charlotte, Raleigh, Burlington, Chapel Hill, and Elizabeth City. While I cannot find a direct answer to whether State Farm honours PFJ in North Carolina, their website does mention that they offer a range of coverage options and discounts for their auto insurance plans.

Discounts for accident-free driving

State Farm offers several auto insurance discounts for accident-free driving in North Carolina. The Accident-Free Discount is available to customers who have had no chargeable accidents for at least three continuous years. This discount may increase over time if the policy remains in force and there are no subsequent chargeable accidents.

The Good Driving Discount is another option for accident-free drivers. To be eligible, each driver in the household must have had no moving violations or at-fault accidents in the past three years. The vehicle receiving the discount must be insured under Plan A. After three years as a State Farm customer, this discount may be replaced with the Accident-Free Discount.

State Farm also offers the Drive Safe & Save™ program, which provides an initial discount for signing up, and additional savings of up to 30% based on driving behaviour.

Drive Safe & Save™ discount

State Farm's Drive Safe & Save™ is a discount program that rewards customers for safe driving. The program is available to State Farm auto insurance customers in North Carolina, although the discount may not be available depending on individual facts and circumstances.

Here's how it works:

Enrollment and Setup

To enroll in Drive Safe & Save, you need to have a smartphone or a compatible connected car. You can download the Drive Safe & Save app on your smartphone or enroll your eligible 2020 or newer Ford or Lincoln vehicle in the Drive Safe & Save Connected Car program.

Once you've enrolled, you'll receive a Bluetooth beacon in the mail, which you'll need to set up in your car by pairing it with the app. This will allow the app to collect basic driving information, such as how smoothly you drive.

Discounts

Just for signing up, you'll receive an initial discount of 10% on your State Farm auto insurance. After that, the size of your discount will depend on your driving behaviour. The safer you drive, the more you can save—up to 30%. The driving characteristics that are taken into account include:

• Acceleration
• Braking
• Cornering
• Phone distraction
• Speed

Your discount will be adjusted at each policy renewal, typically every six months, based on your driving information from the previous 12 months.

It's important to note that while Drive Safe & Save is currently a discount program, State Farm has indicated that it may use driving data for "underwriting, rating, and research" in the future, which could potentially affect your rates.

Good driving discount

State Farm auto insurance offers a range of discounts to its customers, including the Good Driving Discount. This discount is available to those who have had no moving violations and no at-fault accidents during the past three years. The private-passenger vehicle receiving the discount must be insured under Plan A.

The Good Driving Discount is a great way for safe drivers to save money on their car insurance. It's important to note that State Farm will verify the driving history of all drivers in the household at the time of application. Additionally, this discount may be replaced with the Accident-Free Discount once the customer has been with State Farm for three years.

State Farm also offers other ways to save on auto insurance, such as the Drive Safe & Save™ program, which provides an initial discount just for signing up, and further discounts of up to 30% based on driving behaviour. The Steer Clear® program is another option for new or under-25 drivers, rewarding those who are learning to become safer drivers.

For those with multiple vehicles or insurance policies, State Farm offers a Multiple Automobiles Discount and a Multiple Line Discount, respectively. These discounts can help families with multiple cars or those with renters, homeowners, or life insurance policies save money on their auto insurance.

It's always a good idea to check with a local State Farm agent to understand the specific discounts available in your state and to determine your eligibility for any savings.

Multiple line discount

State Farm offers a multiple line discount to customers in North Carolina. This multiline discount is available to those who are the named insured on a qualifying State Farm home, renters, condo, life, or health policy.

State Farm allows customers to bundle their insurance policies, which can save customers time and money. When you purchase multiple policies, you will have one bill that can be paid online or through the State Farm mobile app. Bundling your insurance policies with State Farm could save you up to $1,273.

For example, you could combine State Farm Auto Insurance with condominium unitowners insurance, which can help protect your condo from losses such as fire, theft, and other accidents. Renters can also benefit from bundling by saving up to $704 with State Farm's low-cost renters insurance.

In addition, State Farm offers a Multiple Automobile Discount, where customers can save up to 20% if two or more vehicles in their household are insured by State Farm and owned by related individuals.

Discounts for factory-installed air bags

State Farm offers a range of discounts for auto insurance in North Carolina. One of these is for vehicles equipped with factory-installed air bags. This discount applies to the premium.

State Farm also offers other discounts, such as the Accident-Free Discount, where a car that has been with State Farm Mutual Automobile Insurance Company for at least three continuous years without a chargeable accident may receive a discount. This discount may increase over time if there continue to be no accidents and the policy remains in force.

The Drive Safe & Save™ Discount offers an initial discount for signing up, and then further discounts of up to 30% based on driving behaviour.

The Good Driving Discount may be available if each driver in the household has had no moving violations or at-fault accidents in the past three years.

The Multiple Line Discount is available for customers who are named insured on a qualifying State Farm home, renters, condo, life or health policy.

Frequently asked questions