State Automobile Insurance, also known as State Auto Insurance, is an auto insurance provider inaugurated in 1921 by Robert S. Pein. Pein initially borrowed $30,000 to start State Auto, stating that he wanted to offer alternatives to other providers’ overpriced insurance rates and give customers a more dependable claims settlement process. He built his company in a single rented room in Columbus, Ohio, with only three employees. Pein decided his insurance would only be sold through independent agents, a policy that is still upheld today.
State Auto Insurance Policies
State Auto’s policy options vary by state. State Auto offers three levels of auto insurance coverage, including Standard, Protection Plus, and Premier, according to Insurify. Each level includes liability coverage, uninsured and underinsured motorist liability, medical payments, comprehensive coverage, and collision coverage. Here are some other options offered by State Auto:
- Bodily Injury Liability: This insurance coverage is required in almost every state. Bodily injury coverage helps pay for a third party’s medical cost when you were deemed at fault for a traffic accident.
- Property Damage Liability: This insurance type is required in most states. It covers property damage to a third party.
- Uninsured and Underinsured Motorist: This insurance will cover your medical bills and property damage when the at-fault party either does not have insurance, or their insurance is insufficient.
- Comprehensive Coverage: Comprehensive insurances pay for damage to your vehicle caused by events outside of the driver’s control including, weather, theft, vandalism, or striking an animal. This coverage is typically subject to a deductible.
- Collision Coverage: Collision insurance covers damages to your vehicle when you collide with an object such as another vehicle, building, tree, or curb. This coverage is typically subject to a deductible.
- Rental Reimbursement: This coverage type reimburses the cost of a rental vehicle when your car is being repaired. Typically, it’s only offered if your car will be in the shop for 24 hours or more.
- Personal Injury Protection: Also called “PIP,” personal injury protection covers the cost of injuries to you or a passenger of yours resulting from a traffic accident. Services include income continuation, funeral expenses, child care, and loss of services.
- Roadside Assistance: This coverage will send assistance if your car breaks down. Services with roadside assistance include refueling, water, oil delivery, jumpstart and battery replacement, tire changes, and locksmith reimbursement up to $100.
- Safety Glass: This service will pay to replace damaged glass on your vehicle. Safety glass coverage doesn’t apply to damage caused by a collision and does not require a deductible.
- Special Equipment: Damage to specialized equipment in your vehicle is covered through this insurance.
- Accident or Minor Violation Forgiveness: Minor violations and first accidents won’t affect your insurance rates when you have this coverage. Minor violations and first accidents cause a 14% increase in insurance premiums on average, so purchasing a package that includes this coverage can potentially save you hundreds.
- AutoXtended: This is a bundle of several extra coverages for you, your vehicle, and some of the items in your car. It includes locksmiths, key replacement, custom equipment, rented vehicles, and even your pets.
Protection Plus and Premier packages require State Auto customers to have no violations or at-fault accidents within the most recent 35 months to qualify, as per ValuePenguin. Included in Plus and Premier packages is Enhanced AutoXtended Coverages Endorsement. You’ll receive coverage for personal effects, customizing equipment coverage, and your collision deductible will be waived with Enhanced AutoXtend Endorsements.
Auto Insurance Rates Offered By State Auto
State Auto takes several factors into account to determine your auto insurance rates. You should expect cheaper rates if you are a safe, experienced driver. These are some of the most common items that impact your car insurance rates:
- The make, model, and year of your vehicle.
- The average length of your commute.
- The driving records of everyone who may drive your vehicle regularly.
- Where you live.
The average monthly rate paid by State Auto customers is $228.68. Because of their $141.06 monthly rates, North Dakota is the least expensive place to purchase State Auto’s car insurance, followed closely by Ohio, with average monthly rates as low as $157.08. North Dakota’s monthly rates are $128.13 cheaper than the most expensive state, Maryland, with rates as high as $269.19 per month.
Here are the average monthly rates for each state with State Auto car insurance according to SmartFinancial:
- North Dakota: $141.06
- Ohio: $157.08
- Alabama: $173
- Wisconsin: $177.16
- Tennessee: $177.33
- South Carolina: $183.47
- Utah: $192.66
- Kentucky: $192.70
- Illinois: $215.17
- Pennsylvania: $225.80
- Indiana: $240.72
- Texas: $267.37
- Maryland: $269.19
State Auto’s Discounts
State Auto offers a wide variety of discounts that can greatly reduce your auto insurance premiums. Take a look at some of the best discount options below per Motor1:
- Multi-policy: You may benefit from car insurance discounts by bundling several State Auto policies, such as your home or renter’s insurance.
- Accident Prevention Course: If you are under 21 years old, you can attend an accident prevention course to qualify for an auto insurance discount. This discount only applies if you have completed the course in the last 36 months.
- State Auto Start-up: You may receive a discount if you receive a direct quote from an agent within eight days of starting your policy.
- Anti-theft Device: Going the extra mile to protect your vehicle from thieves can actually save you money. State Auto offers a discount to car owners who equip their vehicles with anti-theft devices.
- Good Student Discount: Full-time students with an average GPA of 3.0 or higher can qualify for State Auto’s good student discount.
- Multi-car: You can benefit from a discount if you include more than one vehicle on your auto insurance policy. This can include RVs, motor homes, golf carts, and off-road vehicles.
- Paid In Full: Paying for a year of insurance coverage in advance might lower the price dramatically.
- Safety 360: State Auto’s safety 360 program aims to improve drivers’ habits. Earn discounts by installing a monitoring device in your vehicle that tracks safe driving tendencies. State Auto offers a 10 percent discount for the initial installation of the device.
Homeowners who use State Auto for their homeowner’s insurance and auto insurance can get a reasonable discount. Drivers who rent saw average monthly rates of $236.54, whereas motorists that own their homes paid $210.58 per month.
If you’re looking for a reliable insurance provider with incredible customer satisfaction, State Auto is the one for you. You can get State Auto insurance quotes online totally free. Check this out if you need additional information, resources, or guidance on car insurance.
Sources:
https://www.valuepenguin.com/state-auto-insurance-review
https://insurify.com/insurance-companies/state-auto/
https://www.motor1.com/reviews/391625/state-auto-insurance/
https://smartfinancial.com/insurance-companies/state-auto-insurance
https://www.caranddriver.com/car-insurance/
https://www.caranddriver.com/car-insurance/a36014178/cheapest-monthly-car-insurance/
https://www.caranddriver.com/car-insurance/a31744639/what-car-insurance-do-i-need/
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