What Questions Should I Ask State Farm When Shopping for Auto Insurance?

State Farm offers a variety of affordable auto insurance policies to customers. The company's auto insurance policies have high financial ratings from A.M Best, J.D. Power, and S&P Global. Auto insurance customers are eligible for valuable discounts, repair services at Select Service shops, and excellent claims handling services.

With a 16.10% market share, the company is the largest insurance provider in the United States. However, there are several questions that prospective customers may consider asking when shopping for State Farm auto insurance.

What Coverage Options Are Available for My Vehicle?

Most states require policyholders to have compulsory collision coverage, comprehensive coverage, and liability insurance coverage. You may check if the policies you've shortlisted offer these coverage options. It's also critical to check if the auto insurance policy covers personal injury expenses.

You are likely to incur significant medical expenses if you meet with an accident. While all auto insurance providers cover property damages, some insurers may not cover personal injury damages. You may also determine if the policy offers additional rideshare coverage, rental car coverage, and travel and lodging coverage if you meet with an accident in another city or location.

Details about the different coverage options are available on the company's official website. You may also ask about the types of accidents not covered by the policy. It's recommended you assess your coverage requirements before shopping for insurance.

How Much Money Can I Save with Discounts?

The average annual cost of auto insurance in the United States is around $1,600. Discounts and benefits can help you save money. You can contact the State Farm customer service team for details on the benefits and discounts you may be eligible for as a customer.

The phone number of the company's customer service team is available in the GetHuman directory. Find out if the company offers bundling discounts, safe driving behavior discounts, and student driver discounts.

What Benefits Am I Eligible For?

When shopping for State Farm auto insurance, it's vital to learn about the additional benefits you may be eligible for. Policies that come with benefits like integrated emergency roadside are highly beneficial if you drive regularly.

You may also learn whether you will have access to priority services at high-grade body repair shops. Your customer service representative or agent can educate you on the benefits available to policyholders.

What Is the Cost of Auto Insurance?

While the overall cost of the policy and monthly premium rates may vary based on your vehicle type, you may be able to get a rough estimate by speaking to the customer service team. You can also compute the estimated cost of your future insurance policy using the "estimator tool" on the website.

The tool requires you to provide information about your vehicle like the VIN, model, year of purchase, garaged address, and prior policy expiry date. The website also asks for driver information and driving history.

The cost of insurance may be different in different states. You may also check if the rates are competitive.

How Long Does the Company Take to Settle an Accident Case?

The length of time to settle a case and discharge claims may depend on several factors. However, the customer service representative or company agent may be able to give you an approximate period.