State Farm Insurance Company - Auto Insurance Services
A retired farmer and insurance salesperson George Jacob “G.J. Mecherle” established State Farm Insurance Company in 1922. Mecherle’s objective in starting the company was to provide the right thing and fair price to the customer.
Mecherle believed that farmers needed to pay less for automobile insurance as they drove less and have fewer accidents in comparison to city folks. Since Mecherle employers did not agree to his suggestions, he started his own company “State Farm Insurance Company” with a vision of providing fair price, coupled with fair claim settlements.
State Farm Insurance Company has 17,000 agents, 68, 000 employees and serves more than 75 million policies in the United States and Canada. In fact, it insures the highest numbers of cars in North America.
State Farm Insurance provides wide coverage options to its customers. The policy provides coverage to you, your spouse, and other relatives staying in your home. It also provides coverage to your insured driver who drives your vehicle. All auto insurance policies provide common coverage such as:
Liability for Body injuries or property damage: The liability coverage includes legal defense and court costs. It also covers medical expenses, lost wages, pain and suffering and other special damages. The property damage liability covers damaged property.
Medical Payments: Medical and funeral expenses for covered persons related to an accident.
Personal Injury Protection: It offers reasonable and necessary medical expenses for covered persons in an accident. It also pays for lost earnings, rehabilitation, replacement of services and funeral expenses.
Collision: Pays for vehicle damages due to a roll over or accident.
Comprehensive: Pays for vehicles damaged due to fire, wind, flood, hail, theft, vandalism.
Apart from this, it also provides coverage such as uninsured motorist, underinsured motorist, rental reimbursement, and emergency road service. State Farm Insurance Company also allows customers to lower the premium by offering different discounts. The different discounts offered to customers are:
- Multiple Vehicle
- Multiple Line
- Accident Free
- New Vehicle Safety
- Defensive Driving
- Anti-theft Device
- Good Driving
- Good student
- Driver Training
- Steer Clear Safe Driver Discounts
There are different factors that play an important role in deciding your premium for the policies offered by State Farm Insurance Company. Some of the factors that are considered are your credit history, driving history, age, sex and marital status. The company also lowers your premium if you reduce your driving mileage.
State Farm insurance is always innovating, whether it’s with regards to its policies or services, to accommodate rising expectation of customers. The company allows customers to mange their policies online. Customers can also pay their bills online. You can post your questions along with your contact information on their website and the customer support will call you and provide assistance regarding your query.