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State Auto Insurance Review

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Things to Remember...
  • Check the financial stability, claims processing, and accessibility of service when looking for an insurance company
  • State Auto provides a variety of insurance options including car, home, farm, and even business insurance options
  • State Auto has been in business for several years and seems to have a stable outlook and good reputation

Sensible consumers buy insurance from trustworthy companies. Unfortunately, most of us are susceptible to all the advertisements on television and on the Internet.

We purchase auto insurance based upon availability, not cautious decision. Auto insurance, though, is not something that should be purchased like new soap or a toaster.

Be sure to make the most informed decision by comparing quotes with our FREE quote tool above!

Criteria for Choosing An Insurance Company

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There are three important criteria for choosing an insurance company:

– Financial Stability

When looking for insurance, a wise consumer examines first the financial stability of the insurance company they choose.

Insurance companies on shaky financial grounds can possibly default on their obligations to you as a policyholder.

State Auto Insurance Companies have an A- rating with A. M. Best, the premier insurance rating firm in the United States.

They have the financial responsibility that you need in an insurance company and you can rely on them in the event of claims, even a mass catastrophe.

– Claims Response

After examining financial responsibility, you need to examine the way the insurance company handles claims.

People who have had claims say that the claims service State Auto provides is professional, fast, courteous, and caring.

These reviews should help you to know that you can trust them with your family’s wellbeing in the event of a disaster or accident.

Disagreements and complaints about claims can be handled easily through the State Auto website.

– Accessibility of Service

State Auto has agents located everywhere they sell insurance.

All you have to do is enter your zip code in their agent search, indicate acceptable mileage to an agent, and the search will provide you with a selection of agents and their locations.

This feature facilitates moving from state to state and continuing coverage.

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Types of Insurance Provided by State Auto

State Auto provides a number of types of insurance:

– Personal Insurance

  • Automobile insurance including liability, property damage, uninsured motorists, and physical damage to your own vehicle
  • Homeowners insurance for homes, personal property, liability coverage at home, and renters insurance
  • Boat and watercraft insurance for insuring your boat and providing liability
  • Personal umbrella adds to your personal liability coverage to further protect you
  • Inland Marine is used for jewelry, collections, furs, and other valuables against theft, loss, and disaster

– Business Insurance

  • Business property for office buildings, manufacturing facilities, and the equipment the buildings contain
  • Business liability includes legal liability for damages alleged to be caused or caused by your business activities
  • Data compromise insurance provides coverage in the event that your computers are hacked or damaged
  • Business vehicles offers fleet coverage for business vehicles
  • Umbrella Excess Liability adds to business liability atop the basic coverage
  • Workers’ Compensation is required by most state laws to protect workers on the job

– Farm Insurance

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  • Dwellings, garages, and the places people live
  • Personal property such as the personal furniture, clothing, and contents of the dwelling
  • Farm outbuildings like barns, silos, granaries, bunkhouses, tool sheds, buildings related to the farm or ranch
  • Livestock catastrophic coverage for selected livestock
  • Liability legal responsibility for the actions of individuals or animals

– Surety

  • Bid bonds that assure that your bids are valid
  • Performance and payment bond which assures that a job will be completed or that payment will be made
  • Supply bonds guarantees that materials will be provided when promised
  • Maintenance bonds

– Flood Insurance

Flood insurance provides coverage for physical damage to property in the event of a flood. Location can affect flood damage, but ultimately everyone should be aware of the possibility of flood in his or her area.

Flood plain maps are issued by the U.S. Government, but access and keys to reading these maps are easier through an insurance agent.

State Auto Insurance Companies is a full-service insurance company. They provide property and liability insurance for most contingencies through their wide network of agents.

Excellent Website and Communication 

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The website for State Auto Insurance Companies is intuitive and responsive. You can find out details about insurance coverage as well as locate agents online.

Policy claims can be submitted online, allowing immediate access to help. Because of variables of coverage, quotations and changes need to be arranged through their agents.

A section on tools and education gives you not only definitions for insurance terms, but access to licensing and insurance departments in every state.

Information can be obtained about the following topics:

  • Disaster preparation and prevention for natural disasters
  • Life events such as divorce, death
  • Identity theft and how to prevent it and what to do if it happens
  • Wise ways of using credit and possible consequences if you abuse credit
  • Suggested rules for young drivers, how to teach your young driver to drive, precautions for young drivers
  • Definitions and explanations of commonly used insurance terms
  • State specific links such as licensing your car or finding out insurance laws in your state

You will find articles of interest about filing claims, dog bites, home security, hurricanes, what to do in case of a flood, bicycle theft, tornados, and winter weather protection.

Statistics are given for common insurance problems such as dog bites and bicycle theft to allow you to determine the prevalence of losses in these areas.

More About State Auto

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This insurance company has been consistently in business since 1921, survived the Great Depression intact, and continues into the twenty-first century.

Unlike many insurance companies, State Auto reflects consistent leadership over the years, helping to assure you of their reliability.

Many insurance companies have changes in their administration often, illustrating how often they change business decisions.

State Auto Insurance Companies are professional and firmly grounded with years of experience in the insurance business.

Their care and concern are evidenced by their obvious reliability and attention to their customers.

Everyone needs a full-service insurance company to address all their insurance needs in a reasonable manner, so contacting a State Auto agent to examine your insurance portfolio makes sense.

Check out our FREE tool to find and compare the best car insurance options for your needs!

FREE Auto Insurance Comparison

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