If you’re in the market for auto insurance, you’ll want to consider State Farm. As one of the largest insurance providers in the United States, State Farm offers comprehensive coverage at reasonable rates. However, before you purchase a policy, it’s important to understand how State Farm auto insurance works, what coverage options are available, and how to get a State Farm auto insurance quote. In this article, we’ll answer all your questions about State Farm auto insurance and help you make an informed decision.
What is State Farm Auto Insurance?
State Farm auto insurance is a type of car insurance policy offered by State Farm Mutual Automobile Insurance Company. Founded in 1922, State Farm is one of the largest insurance providers in the United States, with over 83 million policies in force. State Farm offers a range of auto insurance policies designed to protect drivers and their vehicles from various risks and liabilities.
State Farm auto insurance includes liability coverage, which is mandatory in many states. This coverage pays for damages or injuries caused to other people or property in an accident. State Farm auto insurance also includes optional coverage, such as collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
Liability Coverage
Liability coverage is a mandatory part of State Farm auto insurance policies in many states. Liability coverage pays for damages or injuries caused to others if you are at fault in an accident. This coverage includes two types of liability coverage: bodily injury liability and property damage liability.
Bodily injury liability covers the cost of medical bills, lost wages, and pain and suffering for people injured in an accident you caused. Property damage liability covers the cost of repairing or replacing property damaged in an accident you caused, such as other vehicles or buildings.
State Farm offers different levels of liability coverage, including:
Liability Coverage |
Description |
|---|---|
State minimum liability |
The minimum amount of liability coverage required by your state |
Basic coverage |
Higher limits of liability coverage than the state minimum |
Extended coverage |
Even higher limits of liability coverage than basic coverage |
Premier coverage |
The highest limits of liability coverage offered by State Farm |
Collision Coverage
Collision coverage pays for damages to your own vehicle if you are at fault in an accident. This coverage also covers damages to your vehicle caused by other hazards, such as hitting a pothole or colliding with an animal. State Farm offers different levels of collision coverage, including:
Collision Coverage |
Description |
|---|---|
State minimum collision |
The minimum amount of collision coverage required by your state |
Basic coverage |
Covers the cost of repairing or replacing your vehicle up to its actual cash value |
Extended coverage |
Covers the cost of repairing or replacing your vehicle up to its original manufacturer’s suggested retail price |
Premier coverage |
Covers the cost of repairing or replacing your vehicle without a deduction for depreciation |
Comprehensive Coverage
Comprehensive coverage pays for damages to your own vehicle caused by non-collision events, such as theft, vandalism, or weather-related damage. State Farm offers different levels of comprehensive coverage, including:
Comprehensive Coverage |
Description |
|---|---|
State minimum comprehensive |
The minimum amount of comprehensive coverage required by your state |
Basic coverage |
Covers the cost of repairing or replacing your vehicle up to its actual cash value |
Extended coverage |
Covers the cost of repairing or replacing your vehicle up to its original manufacturer’s suggested retail price |
Premier coverage |
Covers the cost of repairing or replacing your vehicle without a deduction for depreciation |
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage protects you if you are in an accident caused by a driver who does not have insurance or does not have enough insurance to cover your damages. This coverage also applies if you are in a hit-and-run accident. State Farm offers uninsured/underinsured motorist coverage options, including:
Uninsured/Underinsured Motorist Coverage |
Description |
|---|---|
State minimum coverage |
The minimum amount of uninsured/underinsured motorist coverage required by your state |
Basic coverage |
Provides additional coverage above the state minimum |
Extended coverage |
Provides higher limits of coverage for bodily injury or property damage |
Premier coverage |
Provides the highest limits of coverage for bodily injury or property damage |
How to Get a State Farm Auto Insurance Quote
Getting a State Farm auto insurance quote is easy. You can get a quote online, over the phone, or in person at a local State Farm agent’s office. Here’s how to get a quote:
Online Quote
To get an online quote, simply visit the State Farm website and enter your ZIP code. You’ll be asked to provide some basic information about yourself, your vehicle, and your driving history. The website will then generate a quote for you based on this information. You can customize your coverage options and select a payment plan that works for you.
Phone Quote
To get a phone quote, call the State Farm toll-free number and speak with a licensed insurance representative. You’ll be asked to provide the same information you would for an online quote, and the representative will generate a quote for you based on this information. You can customize your coverage options and select a payment plan that works for you.
In-Person Quote
To get an in-person quote, visit a local State Farm agent’s office. You’ll be able to speak with an agent face-to-face, ask any questions you may have, and get a personalized quote based on your specific needs. You can customize your coverage options and select a payment plan that works for you.
FAQs About State Farm Auto Insurance
What Discounts Does State Farm Offer for Auto Insurance?
State Farm offers various discounts for auto insurance, including:
- Safe driver discount
- Multiple-policy discount
- Good student discount
- Vehicle safety discount
- Anti-theft device discount
What Is the State Farm Claims Process like?
If you need to file a claim, State Farm makes the process easy. You can file a claim online, over the phone, or through the State Farm mobile app. Once you file a claim, a State Farm claims representative will contact you to guide you through the process and answer any questions you may have.
How Do I Cancel My State Farm Auto Insurance Policy?
To cancel your State Farm auto insurance policy, contact your local State Farm agent or call the State Farm toll-free number. Your agent or representative will guide you through the process and answer any questions you may have.
Conclusion
State Farm auto insurance is a popular choice for drivers looking for comprehensive coverage at reasonable rates. With various coverage options and discounts available, State Farm offers customized insurance solutions to meet your specific needs. Whether you get a quote online, over the phone, or in person at a local agent’s office, State Farm makes the process easy and convenient. We hope this article has helped you understand how State Farm auto insurance works and how to get a quote that fits your budget and coverage needs.