How to Get a State Farm Car Insurance Quote

Finding the right car insurance at the best price can seem overwhelming. As the largest auto insurer in the U.S., State Farm is a popular choice to consider.

Let’s start understanding State Farm's offerings and how to get a competitive insurance quote for your situation.

State Farm Car Insurance Overview

Founded in 1922, State Farm now insures over 85 million policies across auto, home, life, health, and banking products.

For auto insurance, State Farm is the #1 insurer in the U.S. Highlights of their car insurance include:

  • Large network of local agents - Over 18,000 local agent offices provide personalized service.
  • Wide range of discounts - From safe driver to anti-theft, many ways to lower rates.
  • Rideshare coverage - Protection for Uber/Lyft drivers.
  • New car replacement - Replaces with new vehicle if totaled within first 15 months.
  • Lifetime renewability - Guaranteed ability to renew policy until you cancel.
  • 24/7 claims service - Agents available anytime to start your claim.

State Farm is a great option to compare, especially if looking for local agent access and bundle pricing. Let's go over the quote process.

Getting a Quote Online

State Farm makes it quick and easy to get an auto policy quote online. Here are the steps:

  1. Go to StateFarm.com and select "Get A Quote"
  2. Enter your ZIP code for localized rates
  3. Fill in details about you and your vehicle(s)
  4. Select desired coverage types and liability limits
  5. Add any discounts you may qualify for
  6. Provide driving history and usage details
  7. Review customized quote results and rates

The website will prompt you for all required information along the way. Expect the process to take about 10-15 minutes to complete all steps.

Make sure to have your driver's license, VINs, and current mileage for all vehicles handy. This ensures you get the most accurate quote possible.

You can then adjust coverage, limits, and options to see different pricing scenarios for comparison. Once ready, you can purchase directly online or connect with an agent.

Factors That Affect Your Quote

State Farm will primarily assess these factors when calculating your personalized premium:

  • Driving record - Recent accidents, tickets, and violations raise your rate significantly. A clean record gets the best pricing.
  • Years licensed - More experience equals lower risk to insurers. Licensed over 10 years gets better rates.
  • Vehicle type - Insuring a sports car costs more than a sedan. Make, model, trim affect price.
  • Age - Drivers under 25 and over 70 typically pay higher premiums. 25-65 is lowest risk.
  • Credit history - Better credit scores mean lower quotes in most states. Poor credit increases costs.
  • Location - Insurance costs more in urban areas and regions with higher accident rates.
  • Mileage - Driving over 15,000 miles annually raises your quote due to increased exposure.
  • Claims history - Too many past claims will put you in a high-risk tier with pricier insurance. Claim-free years help lower it.

Optimizing as many factors in your favor ensures the lowest State Farm quote possible.

Discounts to Lower Your Rate

State Farm offers a variety of auto insurance discounts to reduce your premium. Make sure to ask about ones that apply:

  • Safe Driver Discount - Get up to 50% off just for being ticket and accident-free.
  • Good Student Discount - Maintaining a B average saves students under 25 up to 25%.
  • Defensive Driving Course - Completing an approved course saves up to 10%.
  • Anti-Theft Device - Cars with VIN etching, alarms, or immobilizers qualify for savings.
  • Multiple Car Discount - Insuring more than one car with State Farm reduces the per vehicle rate.
  • Multiple Policy Discount - Bundling home and auto policies together lowers premiums up to 17%.
  • New Car Discount - Brand new vehicle coverage earns a discount for the first few years.

Ask your State Farm agent to explain all possible ways to stack discounts and maximize savings! Discounts provide an easy way to lower your auto insurance costs.

Bundling Home & Auto Insurance

One proven way to maximize discounts and get the lowest overall insurance cost is bundling home and auto policies with State Farm.

Benefits of bundling include:

  • Save up to 17% off auto insurance and up to 25% off home insurance
  • One deductible if home and auto both have claims from same event
  • Single payment for combined bundled policy
  • Shared discounts across both policies
  • Single agent handling all your insurance needs
  • More leverage to negotiate rates by consolidating

Start your quote by adding home insurance along with auto to immediately see bundling savings firsthand in the total bundled policy price. There are big financial incentives to manage both policies through State Farm.

Adding Teenage Drivers

One common question that comes up is how adding a new teenage driver affects State Farm insurance costs.

Here’s what to expect when getting a quote with teen drivers:

  • Over 100% increase - Teen drivers nearly double the premium on average.
  • Higher with boys - Insuring male teens costs more - up to 20% higher than female teens.
  • Big drops at 18 - Rates decrease drastically once turning 18 years old.
  • After age 25 lower - By mid-20's, rates are not impacted much by early driving years.
  • Good Student Discount helps - Maintaining a B average can save up to 25%.
  • Driver training helps - Formal behind-the-wheel training can lower costs.

While expensive, rates for teen drivers are consistent across insurers. State Farm at least offers large discounts to help offset the costs.

FAQs About State Farm Quotes

Still have questions about getting a car insurance quote through State Farm? Here are some commonly asked questions:

How long does it take to get a quote?

You can complete the entire online quote process start to finish in under 15 minutes in most cases. Have your information ready for the quickest experience.

Can I get quotes without my personal information?

No, State Farm needs accurate details about your driving record, vehicles, and background to provide quotes. But the rate class estimates on their website can give you a ballpark range.

How often should I get new quotes?

It's a good idea to re-run quotes every 6 months when policies renew to ensure you still have competitive pricing. Rates frequently change.

Does my driving usage affect my quote?

Yes, insuring vehicles that drive under 7,500 miles annually qualify for low mileage discounts. Higher mileage increases risk exposure.

Does my credit need to be run to get a quote?

In most states, yes, State Farm does use your credit-based insurance score to provide quotes. It's part of the risk assessment algorithm. You can opt out but may not get the best pricing.

Can I get a State Farm quote without an agent?

Yes, their website provides full quoting capability directly to consumers without needing to involve an agent initially. But an agent can still help explain options.

The easiest way to find affordable State Farm car insurance is to regularly compare free quotes both online and with an agent. Be sure to claim any discounts you qualify for and consider bundling home and auto insurance for maximum savings. Follow this guide to get the best State Farm auto insurance rate for your situation.

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