The first step in finding the best auto insurance provider is determining the elements that are most important to you in an insurance policy. In our opinion, State Auto is a good choice for drivers who don’t want to spend a lot of time personalizing their auto insurance. To help you with your insurance needs, we looked at several types of insurance coverage, but this review concentrates on State Automobile Mutual Home Insurance Company, a specialist insurer that promises to deliver fast, good rates and fair claims service for their customers.
State Auto Insurance Review
Robert Pein established the State Auto Insurance Company in 1921, and it is based in Columbus, Ohio. Due to his dissatisfaction with high insurance rates and unfair claim settlements, Pein desired to create a new type of insurance company.
State Auto now sells its products in 33 states across the United States, according to To Day. From an initial income of $15,000, State Auto has expanded to its current asset value of $4.6 billion. The insurance company collaborates with independent insurance agents to help consumers find the best coverage for them and have the greatest experience possible during the duration of their contracts. The carrier has around 2,500 active members in its LinkedIn group.
As a result of its lengthy history, growing financial strength, and extensive offering of coverages across personal and commercial lines, State Auto has earned a reputation as a stable insurance provider with bright prospects. State Auto receives an “A-” rating from A.M. Best, the top international credit rating firm that tracks the insurance business, indicating that the company is a great option for insurance clients.
State Auto Insurance Review: How to Get An Insurance Quote
If you’re considering renewing your coverage or starting a new policy, it can help to know how to get vehicle insurance. To get an insurance quote from State Auto, you must engage with a third-party agent. You can get a quote online from many well-known insurance providers, such as GEICO, Allstate, and USAA. However, in this review, State Auto Insurance does not provide an electronic ordering system. Here’s how to get a State Auto Insurance Quote
- Select “Find an Agent” on StateAuto.com.
- Enter your zip code and pick the type of insurance. If you want coverage for your vehicle, select “individuals” as the insurance type.
- There is a map and a list of insurance agents nearby.
- You should then get in touch with a local agent to begin getting insurance quotes.
Note that the ways to call insurance agents are different. The majority of agents have phone lines, but some might have email or website addresses.
State Auto Insurance Review: State Auto Insurance Discounts
State Auto offers the following car insurance discounts:
#1. Course to Avoid Accidents
To be eligible, you must be at least 21 years old and have received a certificate of attendance for a course in accident avoidance within the last three years.
#2. Anti-Theft Device
This deal might be available to you if your car has certain anti-theft devices.
#3. Training For Drivers
You can get a discount if you’re under 21 and take a driving training course. *This is offered in South Carolina until the age of 25.
#4. Multiple Policies
Purchase other types of insurance from State Auto, like home or car insurance, and get a discount.
#5. State Auto Start-up
The number of days between getting a quote and starting State Auto Insurance determines this price for new customers. You can get this deal if you have had your old insurance company for at least six months.
In addition, discounts are available if you pay for your whole insurance at once.
State Auto Insurance Review: Types Of Coverages
These are the types of car insurance coverages that State Auto sells as part of a regular policy:
#1. Insurance Against Liability
Liability car insurance pays for other people’s medical bills and property damage that you cause in an accident. If you are sued as a result of the accident, liability coverage will also pay for your court fees and defense costs.
#2. Uninsured or underinsured Drivers
If a driver who doesn’t have liability insurance or doesn’t have enough liability insurance (underinsured motorist) hits you, uninsured motorist coverage for bodily injury will pay for your medical bills and the medical bills of your guests. If an uninsured driver hits your car, uninsured motorist property damage will pay to fix it.
#3. Personal Injury Protection
If you get hurt in a car crash, no matter who is at fault, personal injury protection will pay for you and any passengers’ medical expenses. People who get PIP also get money for lost pay and services that you can’t do because of your injuries, like child care.
#4. Paying for medical care (MedPay)
Medical payments insurance pays for your medical bills and the bills of your passenger, even if someone else was at fault for the crash. Most of the time, MedPay comes in small amounts, like $1,000 or $5,000.
#5. Collisions Coverage
No matter who is at fault in an accident, collision car insurance will pay for damage to your car. If you hit something, like a pole or fence, your collision coverage will also pay for the damage to your car.
#6. The Standard
You can choose from the main types of car insurance in the standard State Auto package to make your policy fit your needs and only buy what you need. You can also add coverage for unexpected help.
State Auto Insurance Rate
When it comes to rates, state auto insurance is affordable and frequently the cheapest option with the best coverage. When Mike LaRocco took over State Auto in 2015, he had already worked for an insurance tech business. Under his leadership, State Auto has put a lot of money into new digital systems that cut down on the paperwork that old insurers can make too much of. Because of this, State Auto has learned how to use data to cut rates in its business. The new work will make systems better and save you more money, the customer.
State Auto Insurance Rate: Factors Affecting Rates
A lot of different things affect the rate you pay for car insurance. When setting car insurance rates, providers look at the following factors:
#1. Driving History
Insurance rates go up for people whose driving records include speeding tickets, accidents, DUI convictions, and other crimes, compared to people whose records are clean.
#2. History of Credit
According to insurance companies, credit scores show how responsible a person is with money.
Insurance rates tend to be lower for older drivers than for younger drivers.
Auto insurance costs are largely determined by where you live. The number of uninsured drivers, population density, and frequency of insurance claims in your area are just a few of the variables that affect premiums.
The gender indicated on your driver’s license can affect insurance rates. Rates are generally higher for male drivers than for female drivers.
#6. Coverage Options
The options you pick for coverage and limits will affect how much your car insurance costs. More coverage and higher amounts cost more. Also, your vehicle type
But if you can afford more than the bare minimum required by the state, you should think about what coverage you need and then shop around with different insurance companies to find the best discount.
State Auto Insurance Customer Service
People who need auto insurance ought to think about how satisfied other customers are with their coverage when choosing a company. All of the company’s interactions with customers—whether they take place in person, online, or through direct mail—have an impact on their overall satisfaction.
This is because the way State Auto handles complaints shows how customers feel about the company and whether they would tell a friend about the insurance business.
Although the J.D. Power shopping study doesn’t give State Auto insurance grades, it does rate many other companies based on how well they do in policy offerings, price, billing, customer service, and claims. So, when reading reviews of State Auto, keep these areas in mind and think about how well the company does.
The National Association of Insurance Commissioners maintains a complaint log that compares actual complaints with the sum of premiums paid each year. The NAIC found that 23 complaints were made against State Auto (NAIC #25127) in 2017, which is higher than the national average of 1.
In addition to its service, State Auto Insurance allows a customer to make claims online but not over the phone. On weekdays, the customer service department is open for a lot of hours. You can also live chat with an agent through the website, but only from Monday to Friday. The provider is also active on Facebook, Twitter, Instagram, and LinkedIn, which makes them even easier for customers to reach.
State Auto Insurance Customer Service: Services Offered
This state Auto Insurance allows its customers to file claims online anytime, also the carrier provides the following customer service options:
- Online claims reporting
- Online bill payment
- Snail mail contact option
- The general contact form on the website
- Live chat with customer service through the website
State Auto Home Insurance
People who want to find some of the cheapest home insurance rates in the business without giving up coverage should look at State Auto. With an average rate of $857 per year, it’s the cheapest of all the companies we looked at.
If the cost of rebuilding your home after a covered loss is more than your policy’s housing coverage limits, it also covers an extra 25% of the cost. You can also choose from more than 15 other coverage add-ons to make sure your home and things are fully protected.
But you can only get State Auto home insurance in 28 states on the East Coast, Midwest, and South. This means people in California, New York, and New Jersey, among other places, will have to look elsewhere for coverage.
State Auto Home Insurance: Types Of Coverages
Home insurance includes a wide range of coverage. One of the best ways to save money on your home insurance is to only pay for the coverage you need. State Auto Home Insurance offers the following types of home insurance coverage:
#1. Coverage for Dwellings
Sometimes called “dwelling insurance.” If a covered risk destroys your home, your homeowner’s insurance policy assists in paying to rebuild or repair the structure.
#2. Guest Medical Safety
Customers who get hurt on your property will benefit from this. Whatever party was at fault, it can help pay for medical bills after an injury. Medical costs that are generally covered include things like hospital stays, X-rays, ambulance rides, and diagnostic tests.
#3. Coverage for Liability
Personal liability coverage in your homeowner’s insurance pays for other people’s injuries or property damage that you or covered family members are legally responsible for.
#4. Coverage for Additional Structures
The boundaries of this include structures on the property of a residence that are either clear of the dwelling and linked to it by a fence, a utility line, or another similar connection. A separate garage, tool shed, driveway, swimming pool, gazebo, or fence are all examples of outdoor structures that are private.
#5. Protecting Personal Property
This insurance covers the contents of your home, including your furniture. If they become lost or damaged, your personal property insurance might cover the cost of replacing them.
#6. Living expenses reimbursed
This insurance covers the insured’s extra costs that go beyond their normal costs to keep up a similar standard of living after a covered loss.
State Auto Home Insurance: Discounts
State Auto offers a modest set of discounts for home insurance, which can help you reduce the company’s high rates.
- Fortified home discount
- Advance quote discount
- Roof construction discount
- Prior carrier (loyalty) discount
- Multipolicy discount
- New construction discount
- Protective device discount
Is State Auto owned by Liberty Mutual?
Through a merger and mutual transaction, Liberty Mutual Insurance has acquired State Auto.
Where is the state auto insurance headquarters?
It is based in Columbus, Ohio.
Who did the state auto-merge with?
It is Liberty Mutual Insurance
What state has the most car insurance?
- Michigan: $3,785 per year.
- Connecticut: $2,999 per year.
- Florida: $2,947 per year.
- New York: $2,783 per year.
- Louisiana: $2,783 per year.