State Farm Auto Insurance Guide [Everything You Need]

Since its founding nearly a century ago, State Farm has stood firm as a leader in the insurance industry. In fact, the group of subsidiaries and financial services that comprise State Farm Insurance have made this carrier the largest auto and home insurance company in the entire United States.

In addition, State Farm is the eighth largest life insurance carrier in the nation.

It all began in 1922 when the company’s founder George Mercherle established State Farm Mutual Automobile Insurance Company. The newly founded company was originally designed to provide low-cost coverage to local Illinois farmers, but by 1928, the company’s revenue had exceeded the $1 million mark.

That same year, State Farm opened its first branch office in the city of Berkeley, California. Now, with total assets ranked in the billions and tens of thousands of employees scattered across the nation, State Farm is a far cry from its humble origins as a low-cost carrier for Illinois farmers.

Finding and securing the best coverages for the most affordable rates is one of the most vital decisions you’ll make in your driving life.

The trouble is, with so many auto insurance companies on the market touting their services and slogans as the best of the best — how do you know which carriers are worthy of gold star status?

From information about State Farm’s insurance ratings, company outlook, and top policy options to discounts, rates, and a step-by-step overview of the claims process — we’ve got you covered.

Whether you’re already a happy customer of State Farm or are currently with another carrier and considering making a switch, look no further than the following comprehensive State Farm auto insurance review to get the answers to all your burning questions about this company.

When you’re shopping for car insurance, make your search faster and easier than ever by using our FREE online rate tool. Enter your zip code in the box above to get started.

Without further ado, let’s dive right into our State Farm auto insurance review.

State Farm’s Ratings

The insurance carrier’s ratings are one of the first components to take into consideration when evaluating any company to see if they are the right fit for your coverage needs.

Numerous independent rating agencies such as AM Best and J.D. Power regularly release ratings for insurance companies across the country.

Why are ratings so important?

Well, an insurer’s ratings not only reveals the current financial state of the carrier but is also a strong indicator of overall consumer satisfaction. After all, when you’re shopping for auto insurance, you want to make sure that the company is in a strong position to fulfill its financial obligations to insurers.

What did our researchers discover about State Farm’s current ratings? Keep reading this State Farm auto insurance review and you’ll find out!

A.M. Best

AM Best’s system of rating carriers is highly respected by both insurers and consumers everywhere. A positive or negative insurance rating from AM Best could be a significant determinant of whether a potential customer decides to pick a particular carrier or not.

AM Best’s ratings take a few factors into account — including both the financial strength of the insurer and how likely they are to continue to satisfy contracts and policies with consumers.

AM Best has awarded State Fam an A++ rating, which is the top financial strength rating that a carrier can receive from this ratings body. An A++ rating indicates that the company has a superior ability to fulfill their their insurance obligations to consumers.

This is fantastic news, both for State Farm Insurance as well as current and potential insureds.

Better Business Bureau

The non-profit entity Better Business Bureau releases rankings for businesses based on their proprietary Accredited Business System.

The BBB does not have any government affiliations or approval, but their rating system is a trustworthy and helpful resource insureds can look at when considering a carrier for coverage.

It is important to note that the BBB allots their ratings to insurance carriers based on the state they are located in. For instance, in the state of Michigan, the company has an A+ rating, which is the highest the BB awards.

The BB takes numerous factors into account when assessing the rating they’ll award to any given business. These factors include the following:

• The type of company
• How long the company has been in business
• The company’s complaint history
• How transparent the company is with its business practices
• Any failure to meet their commitments to the BBB
• Any licensing or government actions taken against the company (such as for failure to secure a specific license)
• Advertising issues

Yet again, State Farm comes out at the top of the pack. It is worth mentioning that you should never use any single entity’s ratings as the sole measuring stick when determining whether an insurer is right for you.

It’s essential to look at the big picture and review the ratings numerous agencies award the carrier in question to see what the general verdict is overall. That way, you can make an informed decision when choosing coverage for your household.

Along those lines, let’s see what Moody’s, who has an altogether different rating scale, indicates for the future outlook of State Farm.

Moody’s Rating

Moody’s is held to be one of the Big Three rating agencies, along with S&P, whose indicators we will discuss shortly. Moody’s assigns carriers ratings from Aaa to C. Aaa is the highest rating awarded and C the lowest.

Besides these letter qualifiers, Moody’s also assigns numbers for ratings from Aa through Caa.

As of 2017, Moody’s awarded State Farm an Aa1 rating. This means that State Farm is rated as high quality and presents a very low credit risk.

Again, excellent news for both the carrier and anyone considering taking out a policy with State Farm.

Let’s check out S&P’s rating to see how it measures up.

S&P

S&P Global uses a variety of criterion when establishing a company’s rating, such as its credit and any possible risk factors. S&P also uses a letter grade system to rank any given company.

At present, State Farm Insurance has been awarded an AA rating by S&P. What does this mean? An AA rating is the second highest rating that S&P awards, indicating that the company has a very strong capacity to meet their financial obligations.

The AA rating is an indicator of long-term issue credit ratings. Just like Moody’s, S&P has confirmed that State Farm’s credit outlook is exceptional.

Now that we’ve evaluated the noteworthy scores that top rating agencies have awarded to State Farm, we’re going to examine another key element that should factor into your insurance decision — consumer complaints.

After all, the measure of a company’s success is more than just the numbers. Knowing how satisfied consumers like yourself are with the carrier can be invaluable when you’re trying to determine if an insurer is a right fit for your family.

Let’s dig deeper.

NAIC Complaint Index

The National Association of Insurance Commissioners (NAIC) is the primary insurance regulatory body for carriers in the U.S. Take a look at the table below, illustrating State Farm’s consumer complaint index, drawn from the most recent data our researchers gathered from the NAIC.

J.D. Power

J.D. Power is another widely respected rating agency that used to provide ratings for vehicle makes and models before breaking into the insurance market. Every year, J.D. Power releases an annual study indicating customer satisfaction in regions throughout the country.

Check out J.D Power’s most recent data for the state of Florida, as illustrated in the infographic below.

It is interesting to note that State Farm did not rank as highly in the customer satisfaction department when compared to other top carriers in Florida.

As you can see, State Farm received the bottom level ranking of just two power circle ratings along with other carriers like Liberty Mutual and Travelers, which means the insurer didn’t even make it into the “About Average” category.

The story isn’t over yet though — let’s see how Consumer Reports rated overall customer satisfaction in the next section of our State Farm auto insurance review.

Consumer Reports

You’ll note that Consumer Reports’ rankings for State Farm are considerably more flattering than what J.D. Power’s stats indicated.

The moral of the story here is that you should always review data from multiple sources to draw an informed conclusion about any carrier you’re considering. The data shown in the table above was based on responses given by more than 23,000 consumers in 2017.

A score of 89 out of 100 indicates that on average, the insureds who responded to the study were “very satisfied”.

Consumer Affairs

In 2018, Consumer Affairs awarded State Farm a four-out-of-five-star rating, based on 2,728 ratings submitted by respondents that year.

Consumer Affairs further reported that the carrier offers a range of discounts and has a comprehensive network of over 18,000 agents serving insureds throughout all 50 states. The study also noted the ease of State Farm’s online portal, allowing consumers quick and efficient access to their policy information.

State Farm History

You know what they say — numbers don’t lie. Rather than leaving you scouring the internet for hours, we’ve compiled the following data to help simplify your search for auto insurance.

From important stats regarding the company’s share of the insurance market in recent years to its community involvement and future outlook — it’s all here in our State Farm auto insurance review.

Let’s get down to business.

Market Share

Remember the consumer complaint data we examined earlier from the National Association of Insurance Commissioners? The NAIC also releases reports each year tracking factors like loss ratios, premiums written, and market shares.

We’ll take a closer look at loss ratios and premiums written further down.

In the meantime, check out the table below indicating the three-year national trend for State Farm’s market share of liability in the U.S. insurance market.

Why are these numbers so important? A company’s market share is a major indicator of their past, present, and future position in the insurance sector as a whole.

Despite its prominent position in the insurance industry, State Farm’s market share actually decreased pretty steadily in the period between 2015 and 2018.

While these numbers aren’t likely a cause for concern currently, they do bear watching in the coming years, particularly if State Farm’s market share continues to go down.

Online Presence

State Farm certainly has a robust online presence, with easy account login options, banking features, insurance bill pay, and customer information.

With 24/7 online service and support 365 days a year, customers have plenty of options to take care of all their insurance to-dos while at home or on the go.

Things you can do through your online State Farm account include:

• View your bill status and manage your payments
• View and update your policy details
• Pay your bills online
• Go paperless and set up helpful bill reminders
• Request your insurance documentation
• Check your eligibility for certain offers from other companies
• Update your insurance profile
• File a claim and track claims
• Get in touch with your agent or Customer Care
• Log in to your secure email

Agent Option

If online-only isn’t quite your speed, you can certainly find an agent near you to speak with a person directly. With a directory of over 18,000 agents available and options to search by name, address, language, or specific insurance products, you can pick the option that works best for you.

Advertising

While advertising shouldn’t exactly be the main factor when choosing a carrier to go with, this State Farm auto insurance review would be remiss without mentioning just a few instances of the company’s advertising prowess at work.

Check out the video below, featuring a compilation of 10 of State Farm’s most hilarious commercials, according to Jake’s Top 10.

https://www.youtube.com/watch?v=QJNR_vCqjdg

In the commercial below, Chris Paul gets some much-needed assistance finding a new agent after he relocates to Houston.

https://www.youtube.com/watch?v=HQXHXlQsZyU

While choosing a car insurance provider often comes down to the concrete facts and figures, like many other carriers, State Farm has recognized the importance of appealing to a wide-ranging audience with interesting and colorful campaigns that still get their message across.

https://www.youtube.com/watch?v=7TtRHIIoOms

Back in 2016, State Farm replaced their famous slogan “Like a good neighbor, State Farm is there” with “Here to Help Life Go Right” as part of a larger marketing initiative to expose consumers to the wide range of services the company offers.

A different approach to the side-splitting commercials in the videos above, State Farm took the opportunity to send a poignant message of compassion and the importance of community in the commercial below.

Speaking of community investment, let’s see what State Farm is doing to make a difference in communities across the nation.

Investment in the Community

https://www.youtube.com/watch?v=rhgpx37ouQE

State Farm’s Neighborhood of Good Program helps consumers throughout the country find ways to volunteer and serve in their local communities. State Farm also supports various communities through special Good Neighbor Citizenship grants and the State Farm Companies Foundation.

Since its inception in 1963, the State Farm Companies Foundation has supported scholarships and other initiatives including gift matching for donations to charitable organizations and two and four-year educational institutions.

State Farm’s Better Education initiative supports community growth through education and provides various grants through partner organizations that support servicing learning and other educational programs. Needless to say, when it comes to investment in the community, State Farm certainly doesn’t disappoint.

State Farm’s Position for the Future

So far in our State Farm auto insurance review, we’ve looked at an array of important details including various consumer and credit ratings, along with company-specific information.

Rating entities such as AM Best and Moody’s all awarded State Farm top-level ratings, indicating that they present a very low level of credit risk and are in an excellent position to continue to meet the needs of consumers.

When it came to consumer satisfaction, there was some divergence between different rating bodies. JD Power’s study for Florida showed that consumer satisfaction was below average for State Farm, while both Consumer Reports and Consumer Affairs had much more favorable insured ratings.

As always, it’s key to bear in mind that consumer complaints are a measure of overall customer satisfaction, and should be one of many components you factor into your final decision when picking a carrier.

In the years between 2015 and 2018, State Farm’s share of the insurance market decreased. While the margins were small, the decrease was steady. If State Farm wants to continue to remain an industry leader, they’ll need to continue to offer accessible rates and top-notch customer service to consumers.

As mentioned previously, those market share figures bear watching. Only time will tell if the numbers will even out or continue to decline.

In the meantime, the general consensus is that State Farm is doing an exceptional job both in meeting consumer needs and in fulfilling their financial obligations to insureds.

Employees

https://www.youtube.com/watch?v=4Sr5amZ3sJU

A significant hallmark of success for any company is what its employees have to say. State Farm currently has a 3.0-star rating on Glassdoor. Glassdoor.com ranked State Farm #38 out of the 50 Best Places to Work in 2011. State Farm has also been recognized as a Top Employer of Military Veterans.

Glassdoor reported that claims specialists make an average salary of $56,483 a year, out of the roughly 9,000 salaries submitted by employees nationwide. Currently, Glassdoor has reviews submitted by over 8,000 workers across the country.

Of respondents, 43 percent reported that they would recommend State Farm to a friend, and 35 percent reported that they approved of the CEO.

PayScale gave State Farm a slightly higher employee satisfaction rating of 3.4 stars. PayScale.com also reported a gender breakdown for employees at State Farm, with the employee population largely being comprised of women.

https://www.youtube.com/watch?v=IEBBubU2hMU

The website reported that 65 percent of State Farm employees are female. while male workers comprise just 35 percent of the overall employee population. According to PayScale, the average employee’s salary is $46,000 per year.

https://www.youtube.com/watch?v=pXS_IWiWnKg

Interested in joining the State Farm family? Visit their careers page here.

Cheap Car Insurance Rates

In the following section of our State Farm auto insurance review, we’re going to take a look at the national average rates for this carrier and other companies based on different factors that could apply to your current situation.

You’ll see how elements like your vehicle make and model, your daily commute, and even your credit history could affect how much you have to pay for car insurance each year,

For all this and more, keep on reading!

State Farm’s Availability and Rates by State

State Farm is available in all 50 states. The table below shows the average cost of car insurance with State Farm in all 50 states. Use the search bar to navigate the table and see where your state ranks!.

It is fascinating to note how much the cost of car insurance with the same carrier can vary depending on the state you live in. For instance, in Florida, the average cost of car insurance through State Farm is 27.41 percent less than the median cost of coverage statewide.

However, if you look at a more expensive state like California where the cost of living is considerably higher, you’ll note that coverage through State Farm is actually around 13.92 percent higher than the state average.

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Comparing the Top 10 Companies by Market Share

The companies listed above, including State Farm, are the top 10 carriers in each state across the country in terms of their share of the insurance market. Boxes indicated by “Data Not Available” means that the carrier doesn’t offer coverage in that state.

If you look at the cost of Florida car insurance in the table above, for example, you’ll note that State Farm charges by far the cheapest rates for annual coverage of all the carriers listed.

Annual Average  Male vs. Female Car Insurance Rates

The table above indicates the average annual costs of car insurance by the company at a national level, including State Farm. If you look at the average annual rates for 17-year-old drivers, for example, you’ll see that State Farm comes in at the median range.

For 35 and 60-year old motorists, State Farm charges the second cheapest rates of all (after USAA) of all the carriers listed,

Annual Average Rates by Make and Model

State Farm’s rates are on the lower end of the spectrum for all the vehicles listed in the table above. For example, for a 2015 Honda Civic Sedan, State Farm charges some of the cheapest annual rates on the list, second only to USAA.

Annual Average Commute Rates

State Farm is one of the numerous carriers that will charge you higher rates if you have a longer commute to work each day. As you can see here, on average, State Farm charges insureds with 25-mile commutes around $170 more in annual rates than drivers with 10-mile commutes.

Annual Average Coverage Level Rates

State Farm comes in at the lower end of the spectrum again in terms of coverage level rates. In fact, they charge the third-cheapest rates of all to drivers who opt for high levels of coverage.

Annual Average Credit History Rates

State Farm hits somewhere in the middle when it comes to charging rates based on consumers’ credit history. As of 2017, Experian reported that the national average credit score was 675.

Experian also reported that more Americans have super-high credit scores than they do low credit scores.

Annual Average Driving Record Rates

State Farm charges the fourth cheapest rates to insureds with clean driving records and the second cheapest rates of all the carriers listed to drivers who have one DUI on their record.

Coverages Offered

When you’re on the hunt for auto insurance, one of the primary concerns on your mind is going to be finding the coverages that are most suitable for all the drivers in your household.

We get it! Finding the coverages you want at the rates you need can be a challenge.

Keep reading to get an in-depth look at the key types of coverage State Farm offers consumers, along with a review of the top discounts you could be eligible for when structuring your policy.

Let’s get into it.

Types of Auto Insurance

The following are the various types of auto insurance coverage you could include on your policy with State Farm.

Liability Coverage: This type of coverage will pay for any medical costs, vehicle expenses, or property damage incurred by another party due to an accident you cause.

Collision Coverage: Collision coverage helps cover the cost of repairing or replacing your car if it crashes into another car or object.

Comprehensive Coverage: This will pay to replace or repair your car in the event of damage caused by something other than a crash, including fire, theft, vandalism, or colliding with an animal.

Car Rental and Travel Expenses Coverage: Rental reimbursement comes into play if you have to rent a replacement vehicle while your car is having repairs done. Travel expense coverage will cover things like lodging, meals, and transportation if you get into a collision over 50 miles away from your home.

Uninsured Motorist Coverage: If you get into an accident with an uninsured driver, this type of coverage will pay for your medical bills if you are injured.

Underinsured Motorist Coverage: If you are injured in a collision and the at-fault party’s insurance is insufficient to pay for the extent of your damages, underinsured motorist coverage could help.

Medical Payments Coverage: This type of coverage pays for medical and funeral costs if the insured is hurt or killed in the course of a collision.

Rideshare Coverage: If you drive for a rideshare provider, you can take out additional coverage to protect you and your passengers on the road.

Emergency Road Service Coverage: If your car breaks down, emergency road service coverage could be invaluable to pay for towing repairs and assistance on the road.

You can also bundle and potentially save big by purchasing insurance for both your home and vehicle.

State Farm Discounts

Check out the table below, revealing some of the top discounts State Farm is known to offer consumers.

Bear in mind, there could be other discounts available that you might be eligible for when you structure your policy. Be sure to inquire with your insurance agent if you want to take full advantage of all the offers at your disposal.

What If You Need to Cancel Your Policy?

If you’re currently covered by State Farm and need to cancel your policy for some reason, you’ll have three different options to do so — by phone, mail or fax, or in person.

There are typically no cancellation fees and you will receive a pro-rated refund for any part of your premium that is as of yet unused.

Canceling By Phone

If you opt to cancel by phone, you must:

• Get in touch with your local agent and explain that you wish to cancel. You’ll usually have to provide your name, Social Security number, date of birth, and policy number.
• If you have to cancel because you sold your car, you could be required to offer proof of the sale or the car’s plate forfeiture.
• Phone cancellations are usually effective immediately.
• You can also schedule the cancellation to go into effect at a future date.
• Your agent might ask for your new insurer’s name, your new policy number, and date the new policy goes into effect.

Canceling by Mail or Fax

If you opt to send in a letter by mail or fax, it will need to include your:

• Name, address, and phone number
• The policy number and date and time you wish the termination to go into effect
• If you’re switching companies, you will need to provide the new carrier’s name, policy number, and effective date
• You will also need to provide the bill of sale or proof of plate forfeiture if you’ve sold your car

The letter must be signed, dated, and mailed a minimum of two weeks before your target cancellation date. You can mail the letter to headquarters at State Farm Insurance, One State Farm Plaza, Bloomington, Illinois, 61710.

You can also send a fax with the letter to 888-633-0405 or 905-750-5002.

Canceling in Person

If you decide you’d rather cancel with your agent face to face, you will need to bring:

• Your policy number and the date and time you want your policy to terminate
• Your name, address, and phone number
• Your new insurance company’s name, policy number, and start date if you’re moving providers
• If you’ve sold your car, the bill of sale and proof of plate forfeiture

How to File a Claim

State Farm makes filing a claim fast and efficient, any time of day or night. Here’s what you need to know.

Ease of Making a Claim

You can file your claim online or via the State Farm mobile app (more on the app further down!). If you want to speak with a live person, you can contact the claims department at 800-732-5246. You can also speak with your agent directly to handle the claim.

Premiums Written

The table above details the number of premiums State Farm wrote each year between 2015 and 2018. As the data our researchers gathered reveals, premiums written went up steadily during that three-year period.

Loss Ratio

The table above indicates State Farm’s loss ratio for the same three-year period. A company’s loss ratio is a vital factor to consider when choosing your car insurance carrier.

The higher a carrier’s loss ratio is, the more money they are paying out in claims than they are earning back in premiums written. Loss ratios over 100 percent indicate that a company is consistently losing money.

More good news for State Farm and its consumers! The company’s loss ratio remained in the healthy range in 2015, 2016, 2017, and 2018, indicating a solid ratio of claims paid out in comparison to premiums written.

How to Get a Quote Online

So, let’s say you’ve done your due diligence, and you’re ready to find out what State Farm could offer to you. The next step is to get your online quote!

Before you get started, you’ll probably want to have the following accessible and ready to go:

• Driver’s license
• Social Security number
• Vehicle Identification (VIN) number
• License plate number
• Current insurance policy information
• Bank documentation (if a credit check is run)

Here’s your quick and dirty step-by-step guide to getting your rate quote from State Farm.

Visit the State Farm Website

To start, you’ll need to navigate to State Farm’s home page here.

Simply select “Auto”, enter your zip code, and hit “Get a Quote” to begin.

Fill in Your Personal Information

The search engine will take you to this page above, where you enter your name, address, and date of birth. Once complete, move on to step two.

Fill In Your Vehicle Details

Your name, address, and date of birth will prompt the website to bring up vehicles you may own currently or have owned previously. You can select any of the vehicles listed or add additional ones depending on which cars you want to secure a quote for.

The page will also prompt you to complete additional information about each vehicle you’re trying to get a quote for, in order to take advantage of potential safety discounts.

Complete Driver Information

Next, you’ll want to fill in the details of any drivers who operate the vehicle or vehicles you’re getting a quote for.

Complete Your Driving History

At this point, if you have any tickets, violations, or accidents on your record, now is the point where you’ll fill in those details. Afterward, click through to the “Additional Info” page then onward to access your quote, complete driver details, and vehicle and policy information.

Website Structure

The State Farm website itself is very easy to navigate. Once you hit the home page, you can do everything from getting a quote to browsing insurance options to navigating to the claims page.

As you scroll down the page a bit, you’ll see clickable icons to the various products State Farm has on offer.

If you scroll on over to the bottom, you’ll see where you can enter your zip code to find an agent nearby or navigate to any of the other main pages on the website.

App Structure

State Farm currently has three different mobile apps in production, all of which are available on the App Store and Google Play. There’s the traditional State Farm Mobile App, which you can use to do everything from managing your insurance account to requesting roadside assistance to filing a claim.

The App Store version currently has a 4.8-star rating out of 47.5 user ratings. Users have commented that the app can take some getting used to with all the bells and whistles available, Also, some consumers have noted they wish they could access more policy details on the app.

The Google Play version has a 4-star rating, with over 17,000 consumer reviews. Most of the reviews are very positive, but a few users commented on glitches like not being able to view full policy details.

State Farm has also rolled out the Drive Safe and Save and Steer Clear mobile apps. Both are discount apps. The Drive Safe app is an option for drivers in specific states who may qualify for discounts due to good driving habits.

The Steer Clear App is designed primarily for motorists between the ages of 16 and 25, to help them stay safe and earn a discount in the process.

Pros and Cons

Need a quick recap? Check out the table below, listing the top pros and cons you may want to consider when deciding if State Farm is the insurer for you.

The Bottom Line

To wrap things up, here’s our final word on State Farm. The company is well-positioned for future growth and continued success with excellent credit and financial ratings, a growing number of premiums written each year, and a healthy loss ratio.

There is definite room for improvement in terms of elements like consumer satisfaction, but the user-friendly website, apps, claims, and quote process are worth their weight in gold.

FAQs

We’re almost to the end of this State Farm auto insurance review! But, before we let you go, check out the answers to some of your top insurance questions below.

How do I report a loss?

If you get into an accident or suffer any type of vehicle loss, set up your claim right away by contacting the State Farm Claims Center. You can report the loss online, through the mobile app discussed previously, or by calling the claims phone number at 800-732-5246.

You can also contact your agent directly to file the claim.

What is GAP insurance?

If you there is a disparity between what you currently owe on your vehicle and what it’s actually worth, GAP coverage can “bridge the gap” so to speak if you get into a crash, In the event of an accident, the GAP coverage will take care of the difference between the actual cash value (ACV) or your vehicle and what it’s worth after the wreck.

What is an SR-22?

Also known as a form of financial responsibility, SR-22s are certificates of insurance. If you are classified as a high-risk driver, whether due to a history of traffic violations or license revocations, you could be required to carry and maintain SR-22 insurance for a period of time.

What happens if I’m involved in an accident in another state?

State Farm is available nationwide, not to mention the fact that almost all companies extend coverage to their insureds who are anywhere in the 50 states. Whether or not your coverage or the other driver’s will apply to any damages incurred will depend on the nature of the accident and where the fault lies.

The laws of the state where the accident occurred could be different than in your home state, such as applicable statutory deadlines and procedures should you wish to pursue an injury claim.

Ready to take the plunge to purchase your next auto insurance policy? What are you waiting for? Start searching and saving on insurers today when you use our FREE online rate tool. Simply enter your zip code in the box below.