State Automobile Mutual Insurance Company Review (2024)
Discover State Automobile Mutual Insurance Company - a venerable insurance provider dating back to 1921, renowned for its steadfast commitment to customers and a diverse range of comprehensive policies spanning auto, home, and business coverage.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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State Automobile Mutual Insurance Company
Average Monthly Rate For Good Drivers
$100A.M. Best Rating:
A-Complaint Level:
LowPros
- Wide range of insurance products
- Exceptional customer service
- Competitive pricing and discounts
- Strong community involvement
Cons
- Limited availability in some states
- Some policyholders may find rates slightly higher
- Online tools can be improved for user-friendliness
State Automobile Mutual Insurance Company, commonly known as State Auto Insurance, is a trusted insurance provider offering a wide array of coverage options. With a rich history dating back to 1921, the company has evolved into a nationally recognized insurance leader, emphasizing exceptional customer service and community involvement.
State Auto’s diverse range of insurance products includes auto, home, renters, commercial, and specialty coverage, catering to the unique needs of individuals, families, and businesses. The company’s commitment to competitive pricing, various discounts, and user-friendly digital tools makes it an attractive choice for those seeking reliable insurance solutions.
State Auto’s legacy of trust and innovation continues to shine, making it a preferred option in the insurance industry.
State Automobile Mutual Insurance Company Insurance Coverage Options
State Automobile Mutual Insurance Company (State Auto Insurance) offers a comprehensive range of coverage options to meet the diverse needs of its policyholders. Here is a bullet list highlighting the coverage options provided by the company:
- Auto Insurance: Comprehensive coverage for various types of vehicles, including cars, trucks, and motorcycles.
- Homeowners Insurance: Protection for homeowners, safeguarding their homes and personal belongings.
- Commercial Insurance: Tailored insurance solutions for businesses of all sizes, ensuring their assets and operations are secure.
- Renters Insurance: Coverage for renters, protecting their personal property and liability.
- Umbrella Insurance: Extra liability coverage that goes beyond standard policies, providing additional protection in case of lawsuits or claims.
- Life Insurance: Financial security for loved ones with various life insurance options, including term life and whole life policies.
- Personal Injury Protection (PIP): Coverage for medical expenses and lost wages in the event of an accident, regardless of fault.
- Disability Insurance: Income protection in case of disability, ensuring financial stability during challenging times.
- Pet Insurance: Coverage for veterinary expenses, helping pet owners provide the best care for their furry companions.
- Identity Theft Insurance: Protection against identity theft, covering expenses related to identity restoration.
- Classic Car Insurance: Specialized coverage for classic and antique car enthusiasts, preserving the value of cherished vehicles.
- Flood Insurance: Protection against flood-related damages, ensuring homeowners and renters are financially secure in flood-prone areas.
In an ever-changing world, having the right insurance coverage can be the key to facing life’s uncertainties with confidence. State Auto Insurance’s diverse coverage options cater to the unique needs of individuals, families, and businesses, offering peace of mind and financial security.
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State Automobile Mutual Insurance Company Insurance Rates Breakdown
| Driver Profile | State Automobile | National Average |
|---|---|---|
| Clean Record | $83 | $119 |
| 1+ Ticket | $125 | $147 |
| 1+ Accident | $167 | $173 |
| DUI | $229 | $209 |
| Poor Credit | $143 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
State Automobile Mutual Insurance Company Discounts Available
| Discounts | State Automobile |
|---|---|
| Anti Theft | 10% |
| Good Student | 12% |
| Low Mileage | 8% |
| Paperless | 6% |
| Safe Driver | 13% |
| Senior Driver | 9% |
State Automobile Mutual Insurance Company (State Auto Insurance) provides a variety of discounts to help policyholders save on their insurance premiums. Here is a bullet list highlighting the discounts offered by the company:
- Safe Driver Discounts: Rewards policyholders with a history of safe driving by lowering their premiums.
- Multi-Policy Discounts: Save money by bundling multiple insurance policies, such as auto and homeowners insurance, with State Auto.
- Good Student Discounts: Offers discounts to students who maintain good grades in school.
- Anti-Theft Device Discounts: Installing anti-theft devices in your vehicle can lead to lower insurance rates.
- Paid-in-Full Discounts: Policyholders who pay their premiums in full for the year may be eligible for discounts.
- Low Mileage Discounts: If you drive fewer miles than the average, you could qualify for lower rates.
- Homeowner Discounts: Owning a home can lead to additional discounts on your auto insurance.
- Defensive Driving Course Discounts: Completing an approved defensive driving course can result in premium reductions.
- EFT (Electronic Funds Transfer) Discounts: Enrolling in automatic payment plans can lead to savings on your premiums.
- Good Credit Discounts: Having a good credit score may make you eligible for reduced insurance rates.
- Military Discounts: Active and retired military personnel may be eligible for special discounts.
- Green Vehicle Discounts: If you drive an eco-friendly or hybrid vehicle, you may receive discounts.
- Group Discounts: Discounts may be available for policyholders who belong to certain groups or organizations.
As we conclude our exploration of insurance discounts, we hope you’ve gained insights into the opportunities available to optimize your insurance coverage while saving on costs. State Auto Insurance’s range of discounts provides opportunities for policyholders to lower their insurance costs while still receiving high-quality coverage and service.
How State Automobile Mutual Insurance Company Ranks Among Providers
State Automobile Mutual Insurance Company (State Auto Insurance) faces competition from several prominent insurance companies in the industry. Here are some of its main competitors:
- State Farm: State Farm is one of the largest insurance providers in the United States, offering a wide range of insurance products, including auto, home, and life insurance. They are known for their extensive network of agents and strong customer service.
- Geico: Geico is well-known for its advertising campaigns and competitive pricing. They offer auto, motorcycle, and homeowners insurance and are known for their user-friendly online platform.
- Progressive: Progressive is renowned for its innovative approach to auto insurance, including usage-based insurance options like Snapshot. They also provide coverage for various types of vehicles and offer bundling discounts.
- Allstate: Allstate offers a comprehensive suite of insurance products, including auto, home, and life insurance. They emphasize personalized coverage options and have a wide network of agents.
- Liberty Mutual: Liberty Mutual is another major player in the insurance industry, providing a range of coverage options, including auto, home, and renters insurance. They focus on customization and offer various discounts.
- Nationwide: Nationwide offers auto, home, and pet insurance, among other products. They are known for their vanishing deductible program and strong customer service.
- Travelers: Travelers is a well-established insurance company offering various coverage options, including home, auto, and business insurance. They are known for their risk management solutions.
- Farmers Insurance: Farmers Insurance provides a wide array of insurance products, including auto, home, and business insurance. They have a strong network of agents and offer unique coverage options.
- USAA: USAA primarily serves military personnel and their families, offering a range of financial services, including insurance. They are known for exceptional customer service and competitive rates.
- Erie Insurance: Erie Insurance operates in several states and offers auto, home, and business insurance. They are known for their affordable rates and customer satisfaction.
State Auto Insurance competes with these companies by offering a mix of competitive pricing, diverse coverage options, and a commitment to customer service. The choice of insurance provider often depends on individual preferences, needs, and location, as well as the specific products and discounts offered by each competitor.
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State Automobile Mutual Insurance Company’s Claims Process
Ease of Filing a Claim
State Automobile Mutual Insurance Company offers multiple convenient methods for filing claims, ensuring a hassle-free experience for policyholders. Whether you prefer an online submission, over-the-phone assistance, or the use of their mobile app, the company strives to make the claims process as accessible as possible.
Average Claim Processing Time
Policyholders value efficiency when it comes to claim processing. State Auto aims to deliver prompt service in this regard, but the average claim processing time may vary depending on the nature and complexity of the claim. It’s important for customers to have realistic expectations and communicate directly with the company for specific details.
Customer Feedback on Claim Resolutions and Payouts
To gauge the effectiveness of any insurance company, customer feedback on claim resolutions and payouts is invaluable. State Automobile Mutual Insurance Company encourages policyholders to share their experiences. This feedback not only helps the company improve its services but also provides transparency for potential customers.
A Quick Check on the Digital and Technological Features of State Automobile Mutual Insurance Company
Mobile App Features and Functionality
State Auto’s mobile app offers a range of features designed to enhance policyholders’ experience. From easy access to policy information to claim submission and tracking, the app provides essential tools for on-the-go insurance management.
Online Account Management Capabilities
For those who prefer managing their policies through a web browser, State Auto offers robust online account management capabilities. Policyholders can log in to their accounts, view policy details, make payments, and update information with ease.
Digital Tools and Resources
In today’s digital age, having access to helpful resources can make a significant difference. State Automobile Mutual Insurance Company provides a suite of digital tools and resources, such as educational materials, coverage calculators, and safety tips, to empower customers to make informed decisions about their insurance needs.
Frequently Asked Questions
What makes State Auto Insurance unique?
State Auto stands out with its customizable policies, digital tools, and strong community involvement.
How can I file a claim with State Auto Insurance?
Filing a claim with State Auto is a straightforward process. Contact their dedicated support team for assistance.
Does State Auto offer insurance for businesses?
Yes, State Auto provides comprehensive commercial insurance solutions for businesses of all sizes.
What types of discounts are available with State Auto Insurance?
State Auto offers various discounts to make insurance more affordable, such as safe driver discounts and bundle discounts.
How can I get a quote for State Auto Insurance?
You can easily obtain a quote by visiting their website or contacting a local agent.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
