State Farm offers affordable auto insurance coverage to millions of policyholders across America. The company offers comprehensive coverage for personal injury expenses and property damages. Additionally, policyholders also benefit from liability insurance coverage.
The cost and terms of the policy may vary from state to state. However, policyholders in all states have access to over 20 special discounts and other benefits like emergency roadside assistance and access to special service body shops. While auto insurance policies of the company are cost-effective, there are a few steps you can employ to lower your State Farm auto insurance rates.
If you own multiple vehicles, you can save up to 20% on auto insurance by choosing the company's auto insurance for both vehicles. Multi-auto discounts are available even if a family member owns the additional vehicle.
Use the Drive Safe and Save App
You can lower your Safe Farm auto insurance rates by up to 30% by simply downloading and using the app. Policyholders can start generating savings just by signing up for the app.
The app uses Bluetooth to collect and record your driving data. You can earn higher discounts by following safe driving habits like sticking to the speed limit, limiting night driving and even driving less.
Structure Your Policy with the Help of Your Agent
Additional coverage adds to your insurance costs. Your insurance agent can help you plan and structure your policy to avoid overspending on auto insurance. You can lower your insurance rates by deleting add-on coverage options you are unlikely to need. Collision coverage, comprehensive coverage and liability insurance coverage are compulsory in most states.
However, you may not need rideshare coverage unless you use rideshare or public transport regularly. Your agent could help you define your coverage requirements clearly. You get detailed information on insurance coverage by visiting the official website.
Choose the Bundling Option
You may earn discounts as high as 17% by bundling your home and auto insurance policies. The company provides affordable home insurance policies. Choosing State Farm for both your home and auto insurance needs will help you lower your total insurance costs. The company also offers other insurance services.
Install Anti-Theft Devices and Practice Safe Driving
Good driving habits and will make you eligible for accident-free savings. Policyholders are also eligible for anti-theft discounts provided they install alarms or other approved anti-theft devices in their vehicles. Additionally, you can save up to 40% on medical expenses by installing safety features like airbags, seat belts or other passive restraint devices. You may note that this discount is only available for 1993 and older vehicles.
You can contact the State Farm customer service team for information on specific safety discounts. The phone number and contact details of the State Farm customer service team are available on the GetHuman directory.
Raise Your Policy Deductibles
You may consider choosing higher deductibles to lower your monthly premium rates. Raising your deductibles could lower your insurance costs significantly. This step is strategic if you follow safe driving habits and the chances of you remaining accident-free are higher.
You can lower your insurance cost significantly by increasing your deductibles. However, you may note that you may incur higher out-of-pocket expenses if you meet with an accident.
After thousands of State Farm customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Get State Farm to Lower My Rate? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting State Farm if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.
GetHuman has been working for over 10 years on sourcing information about big organizations like State Farm in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Get State Farm to Lower My Rate? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.