Jane Dotson
State Farm offers a wide range of insurance coverage options, including auto insurance, and is the largest insurer of automobiles in the US. They provide coverage for collision, comprehensive, liability, uninsured and underinsured motorists, medical payments, rideshare drivers, emergency road services, and rental car and travel reimbursements. While State Farm collects personal information such as name, address, and driver's license number, it is unclear if a signature is required for auto insurance coverage. Obtaining a quote is free and does not commit the customer to any purchases or policies.
| Characteristics | Values |
|---|---|
| Privacy | State Farm may collect personal information such as name, address, driver's license number, transactional information, digital network activity, geo-location data, audio recordings, etc. |
| Purpose of Information Collection | State Farm uses the information for business, marketing, and commercial purposes, including providing products and services, processing claims, protecting against fraud, maintaining security, etc. |
| Quotes | State Farm offers free quotes for auto insurance, which are estimates based on provided information and are not a contract. |
| Commitment to Purchase | Obtaining a quote does not commit the customer to any purchases or policies. |
| Coverage Options | State Farm offers various coverage options, including collision coverage, comprehensive coverage, liability coverage, uninsured/underinsured motorist coverage, medical payments coverage, rideshare driver coverage, emergency road service coverage, rental car reimbursement coverage, etc. |
| Payment Methods | State Farm accepts credit and debit cards from major brands such as VISA, MasterCard, American Express, Discover, Diners Club, and JCB. |
| Payment Options | Customers can pay online, by phone, or by mail, with the option to contact a State Farm agent for payment arrangements if needed. |
| Coverage Start Date | Coverage begins once the customer receives valid proof of insurance, which can be accessed online or through the State Farm confirmation email. |
| Proof of Insurance | The proof of insurance is different from the receipt or confirmation page. It is provided after payment and includes the policy number and coverage details. |
| Policy Changes | Customers can make policy changes by logging into their State Farm account or by contacting their State Farm agent. |
| Agent Support | State Farm has local agents available to offer personalized service and help with coverage options, quotes, and policy changes. |
What You'll Learn
Getting a quote
State Farm offers a range of insurance products, including auto insurance. To get a quote for auto insurance, you can either contact a State Farm agent or use their online quote tool. The online quote tool is free and does not commit you to any purchases or policies.
To get a quote, you will need to provide some personal and vehicle information, as well as a brief driving history. This includes:
- Year, make, model, body style, or VIN (Vehicle Information Number) of the vehicle
- Name of the registered owner
- Prior insurance carrier and expiration date
- Driver information and history, including names, dates of birth, driver's license numbers, and states of issue
- Ticket and accident history
- License suspension information
State Farm offers various coverage options, including liability, comprehensive, collision, medical payments, and uninsured or underinsured motor vehicle coverage. You can customize and compare coverage options and their effects on the price of your auto insurance.
In addition to auto insurance, State Farm also offers insurance for motorcycles, boats, motorhomes, off-road vehicles, classic and antique cars, and rideshare insurance for drivers and passengers. You can also save money by bundling your auto insurance with other types of insurance, such as homeowners, renters, condo, or life insurance.
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Privacy and personal information
State Farm collects personal information from customers for business, marketing, and commercial purposes. This includes identifying information (name, address, driver's license number), transactional information (products or services purchased and payment history), digital network activity (interactions with the website, IP address), geo-location data, audio recordings, and other forms of personal information. This information is used to provide the products and services requested, process claims, protect against fraud, maintain security, confirm identity, and offer other insurance and financial products.
State Farm's privacy policy states that they value customers' privacy and are committed to protecting their personal information. They collect this information to provide insurance services, process claims, maintain security, and offer relevant products. State Farm also uses this data to personalise customers' experiences, such as providing tailored quotes and recommendations.
State Farm may share personal information with third parties who are providing services on their behalf, such as claims processing, or as required by law. They have implemented security measures to protect personal information, including encryption and access controls.
Customers have certain rights regarding their personal information, such as the right to access, correct, or delete their data. State Farm provides customers with choices and controls regarding how their data is used, including the ability to opt out of marketing communications and targeted advertising.
State Farm's website uses cookies and similar technologies to collect information about users' devices, browsing actions, and patterns. This information is used to enhance the website's functionality, provide a more personalised experience, and improve State Farm's products and services.
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Proof of insurance
In most U.S. states, drivers must have automobile liability insurance to drive legally. Most states also require drivers to carry proof of insurance. This is to reduce the number of uninsured drivers, which was estimated to be 14% of drivers as of 2022.
State Farm provides auto insurance and requires a signature to confirm your acceptance of the policy. Your coverage begins once you receive valid proof of insurance. You can access your proof of insurance online. You will also receive an email containing your State Farm confirmation number, policy number, and proof of insurance.
In most states, proof of insurance is also available in electronic form. So, if you are stopped by law enforcement, you can show them a digital insurance card on your smartphone. However, in New Mexico, police are not required to accept electronic proof of insurance.
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Payment methods
State Farm accepts VISA®, MasterCard®, American Express®, Discover®, Diners Club®, and JCB® credit and debit cards. If your check card or debit card has a VISA®, MasterCard®, American Express®, Discover®, Diners Club®, or JCB® logo on it, it will be accepted.
You can pay your bill online by logging in to your account. Here, you can schedule a payment, review billing history, update payment methods, and more. To get started, you will need your phone number, policy number, payment plan number, account number, or key code.
You can also pay by phone or mail instead of online. To pay by phone, call 800-440-0998 and provide your credit or debit card, or bank account information, along with your phone number and date of birth. You can also pay using the key code from your current bill. To pay by mail, send a check or money order using the return envelope included in your bill, or use your own addressed to:
State Farm Insurance
PO Box 588002
North Metro, GA 30029-8002
Alternatively, you can visit your State Farm agent and pay by cash, check, credit or debit card, or money order payable to State Farm.
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Discounts
State Farm offers a wide range of discounts to its auto insurance customers. These discounts can help customers save money on their car insurance policies and are offered based on various factors such as driving history, age, academic performance, safety features, and more. Here is a detailed overview of the discounts mentioned on the State Farm website:
Safe Driver Discounts:
State Farm rewards customers who maintain an accident-free driving record or actively work to improve their driving skills. The Drive Safe & Save® app offers an initial discount upon enrolment, and users can save up to 30% based on their driving behaviour. The Steer Clear® program is designed for new drivers or those under 25, offering savings while they learn to become safer drivers. Additionally, new State Farm Mutual customers with no moving violations or at-fault accidents in the past three years are eligible for a good driver discount.
Student Discounts:
State Farm offers discounts for students who demonstrate academic excellence. The Good Student Discount saves full-time high school or college students up to 25% on their auto insurance if they maintain a 3.0+ GPA, rank in the top 20% of their class, or make the Dean's List/Honor Roll. This discount can last until the student turns 25.
Vehicle Safety Discounts:
State Farm rewards customers with newer cars that have advanced safety features. The Vehicle Safety Savings discount applies to cars with driver-assist technology, and the Passive Restraint Discount offers up to a 40% discount on medical-related coverage for vehicles with factory-installed airbags or other passive restraint systems.
Multiple Policy Discounts:
Customers who bundle their auto insurance with other State Farm insurance products, such as homeowners, renters, condo, or life insurance, can save up to $1,273. Additionally, the Multiple Automobiles Discount applies when there are two or more private passenger automobiles in the same household insured by State Farm.
Other Discounts:
State Farm also offers various other discounts, such as the Student Away at School Discount, where students under 25 who only drive during school vacations and keep their car at home while away can save on their insurance. The Driver Training Discount applies when all operators of a vehicle under 21 complete an approved driver education course. The Inexperienced Driver Safety Education Discount is available for California drivers with less than nine years of experience who complete a State Farm Safety Education course. Finally, the Mature Driver Improvement Course Discount is for drivers over 55 who voluntarily complete an approved course.
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Frequently asked questions
No, obtaining an insurance quote is free and does not commit you to any purchases or policies.
To add a vehicle to your account, you may need to contact your agent for help, depending on the state you live in.
Please contact a State Farm agent if you're trying to insure a classic automobile or any atypical vehicle type (e.g., motorcycle, snowmobile, camper, ATV, etc.).
Insurance coverages come with different limits and, in some cases, deductibles. These coverages also offer different levels of financial protection. For example, collision coverage helps pay to repair or replace your vehicle if it overturns or collides with another vehicle or object. Comprehensive coverage helps pay for repairs or replacement if your vehicle is damaged by something other than a collision, such as theft, fire, or vandalism.
You can access your proof of insurance online. You will also receive an email containing your State Farm confirmation number, policy number, and proof of insurance.
