State Farm offers a defensive driving discount that seniors can qualify for, though the discount is available to drivers of any age. Like most insurance companies, State Farm does not have a senior discount that automatically lowers rates for all older drivers.
In addition to the defensive driving discount, State Farm has other ways for senior drivers to save. For example, State Farm offers an accident free discount, which gives a discount to drivers who go at least three years without an accident.
Yes, State Farm offers free towing to the nearest repair facility for their roadside assistance customers. State Farm roadside assistance costs around $15 per six-month policy and customers can request roadside assistance online, or by calling 1-877-627-5757.
State Farm Roadside Assistance Covers
Towing services about 11 miles or to the nearest repair facility … read full answer
Delivery of gas, oil, a battery, or tire change
Up to one hour of locksmith labor
Up to one hour of mechanical labor for issues like mechanical problems, transmission trouble, or a fluid leak, among other things
While State Farm’s roadside assistance covers towing and other services, it doesn’t cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.
State Farm Free Towing Limit vs. Popular Competitors
State Farm does not advertise a marriage discount, though married drivers do pay less for State Farm car insurance than single drivers, on average. For example, a 45-year-old married driver with a good record on the road pays an average of 9% less for State Farm coverage than the same driver without a husband or wife. Married people also typically qualify for more State Farm discounts, like the multi-vehicle and multi-policy discounts.… read full answer
Married couples tend to be more careful on the road and get into fewer accidents, which translates into lower State Farm rates. But there are some exceptions, and sometimes a shared policy can be more expensive. If your spouse has a poor driving record or is considered a high-risk driver for another reason, you could pay more for your State Farm policy.
To get a State Farm quote, you can go online or call 800-782-8332.
You can lower your State Farm car insurance costs by taking advantage of State Farm discounts, opting for a higher deductible, and reducing your coverage, among other things. State Farm considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from State Farm
Use State Farm’s auto insurance discounts
State Farm offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 25% if they've been insured with State Farm for at least three continuous years without an accident . Or you can save up to 25% on your premium if a high school or college student listed on your policy maintains at least a 3.0 GPA.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from State Farm can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing save driving habits and avoiding moving violations can help you qualify for lower State Farm insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. State Farm even offers a 10-15% discount to drivers who take an approved defensive driving course.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, State Farm uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your State Farm premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from State Farm to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Sign up for Drive Safe & Save
Drive Safe & Save, the State Farm telematics program, rewards you for good driving with a discounted premium. Specifically, Drive Safe & Save tracks miles driven, acceleration, braking, turns, speed, and distracted driving. By using Drive Safe & Save, drivers can save up to 50% on their rate.
Finally, if you’re still struggling to afford your State Farm policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
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