State Farm: Decades Of Auto Insurance Leadership

State Farm is one of the largest auto insurers in the US, with 19,000 agents across the country. It is ranked fourth in the list of best car insurance companies and seventh in the cheapest car insurance companies. State Farm's sample annual rate is $2,150 per year, slightly higher than the national average rate of $2,068. The company's rates are competitive in a number of driver categories, including motorists with less-than-perfect driving histories. It also provides many types of discount opportunities.

State Farm's customer service

State Farm has been the number one auto insurance provider in the US for nearly a century. With over 45 million cars on the road today insured by State Farm, the company has a wealth of experience to help protect its customers.

State Farm offers a range of tools to help customers manage their accounts, make payments, find discounts, and more. Customers can talk to their State Farm agent or call a Customer Care representative at 1-800-STATE-FARM (800-782-8332). The State Farm website allows customers to manage policies, make payments, request changes, and submit and track claims online. The State Farm mobile app provides added convenience, allowing customers to access their insurance cards, start claims, call for roadside assistance, and more.

State Farm also offers a variety of discounts to help customers save money. Customers can explore these discounts and learn more about savings by talking to their agent. The company offers flexible payment options, including scheduling automatic payments or paying all at once, to fit different budgets and timing needs.

State Farm takes customer privacy seriously. The company may collect personal information such as name, address, driver's license number, transactional information, digital network activity, geo-location data, audio recordings, and other forms of personal information. This information is used for business, marketing, and commercial purposes, including providing requested products and services, processing claims, protecting against fraud, maintaining security, and offering other insurance and financial products. State Farm is transparent about its privacy practices and provides a California Consumer Privacy Notice for residents of that state.

State Farm's claims handling

Step 1: Report the Incident

In the event of an accident or incident that requires filing a claim, the first step is to report it to State Farm. This can be done by contacting their claims department at 800-SF-CLAIM (800-732-5246) or by reporting it online or through the State Farm app. For auto glass-only claims, a dedicated number is available at 888-624-4410.

Step 2: Provide Information

Once the claim is reported, State Farm will ask for details about what happened. It is important to provide as much information as possible, including any relevant documents or photos. If you are using the State Farm app, you can easily upload photos and documents directly.

Step 3: Estimate and Repairs

After reviewing your claim, State Farm will provide an estimate for repairs or replacement. If you choose to repair your vehicle, you can select a repair shop, including State Farm's Select Service shops, which offer a guaranteed completion date and a limited lifetime warranty.

Step 4: Payment Arrangement

State Farm will then arrange the payment for the repairs or replacement, minus your deductible, for the covered losses. If you have rental coverage on your policy, you may be eligible to choose a replacement vehicle while your vehicle is being repaired.

Step 5: Additional Support

State Farm also offers additional support services, such as roadside assistance and emergency road service, which can be accessed 24/7.

State Farm's claims process is designed to be easy and convenient for their customers, providing support and guidance throughout the entire process. Their dedicated claims team ensures that customers receive timely assistance and accurate estimates to get their lives back on track after an unexpected incident.

State Farm's customer loyalty

State Farm is one of the largest auto insurers in the US, with high marks for claims handling and customer service. In a survey of over 4,200 consumers, State Farm scored 4.3 for customer service, with 55% of respondents saying they were completely satisfied with the company's customer service. State Farm also scored well for the ease of contacting customer service, with 55% of respondents describing themselves as completely satisfied.

State Farm's strong customer loyalty can be attributed to its competitive rates, excellent customer service, and positive claims handling. The company offers a range of discounts and has local agents across the country, providing customers with convenient and accessible service. State Farm also performs well when it comes to filing a claim, with 48% of those surveyed saying they were completely satisfied with the process. The company's high customer loyalty scores indicate that it is meeting the needs and expectations of its customers, leading to long-term satisfaction and loyalty.

State Farm's rates for senior drivers

State Farm is one of the largest auto insurers in the US, ranking fourth in a list of the best car insurance companies. It offers affordable rates for drivers with less-than-perfect driving histories and high marks for claims handling and customer service.

State Farm offers a range of discounts for senior drivers, including:

• Accident-free driving discount
• Good driver discount
• Defensive driving course discount
• Multiple auto discount (multivehicle)
• Multiple line discount (multipolicy)

State Farm's Drive Safe and Save app records and analyzes driving habits to calculate discounts of up to 30%. The app monitors driving factors such as quick acceleration, hard braking, fast cornering, and speeding.

State Farm's Steer Clear program is also available for new drivers or those under 25. It offers savings for those who improve their driving skills by completing training modules and practice trips.

State Farm's discounts

State Farm offers a wide range of discounts to its auto insurance customers. These discounts can be categorized into three main groups: safe driver discounts, vehicle safety discounts, and customer loyalty discounts.

Safe Driver Discounts

State Farm offers discounts to customers who maintain accident-free driving records or who educate themselves on becoming better drivers. Safe drivers are generally considered lower-risk by State Farm and other insurance companies. Here are some safe driver discounts:

• Accident-Free Discount: Customers with an auto insurance policy with State Farm for at least three consecutive years without a chargeable accident can get a discount of up to 25%.
• Defensive Driving Course Discount: Completing a driver safety course may qualify you for a discount, depending on your location. Ask your local State Farm agent for a list of approved courses.
• Student Away at School Discount: If a driver listed on your policy is a student under 25 who only uses the covered vehicle while visiting home, you may be eligible for a discount.
• Good Driving Discount: New State Farm customers who have gone at least three years without an at-fault accident or traffic ticket can receive this discount.
• Driver Training Discount: If all drivers on your policy under 21 years old complete a driver education course approved by State Farm, you may qualify for a discount.
• Good Student Discount: Students listed on the policy who get good grades (3.0+ GPA, top 20% of the class, or qualifying test scores) can save up to 25%. The discount applies until the student turns 25.
• Drive Safe & Save Discount: Save up to 30% by participating in the Drive Safe & Save program. This program uses data collected by your smartphone or vehicle's OnStar device to calculate your discount.
• Steer Clear Discount: Drivers under 25 with no at-fault accidents or traffic tickets in the past three years can save up to 15% while learning to become safer drivers.

Vehicle Safety Discounts

State Farm offers discounts for vehicles equipped with modern safety features, including newer models and older cars retrofitted with airbags, anti-theft alarms, etc. Here are some vehicle safety discounts:

• Vehicle Safety Discount: Depending on the repair record for your vehicle's make and model, you could save up to 40% on medical-related coverage if your car was made in 1994 or later.
• Passive Restraint Discount: Receive a discount of up to 40% on medical-related coverage if your older vehicle (older than a 1993 model) has a factory-installed airbag or other passive restraint system.
• Anti-Theft Discount: If your vehicle has an alarm or another anti-theft device approved by State Farm, you may be eligible for a discount.

Customer Loyalty Discounts

State Farm also provides discounts when you have multiple policies or vehicles insured with them. These include:

• Multiple Auto Discount: Insuring two or more vehicles in your household with State Farm can save you up to 20% on your policy. The vehicles must be owned by related or married individuals.
• Multiple Line Discount: Combining State Farm auto insurance with a homeowners, renters, condo, or life insurance policy can save you up to 17%.

Frequently asked questions