State Farm Insurance

The Beginnings

State Farm insurance began in 1922, the invention of a man named George J. Mecherle. Mecherle thought that he could come up with a better insurance company than the rest, offering better coverage and great rates. So he did. Something about Mecherle's vision was right - more than eighty years later, State Farm Insurance is still going strong.

"In just over 80 years, State Farm Insurance Companies® has grown from a small farm mutual auto insurer to one of the world's largest financial institutions. But despite State Farm's growth, Mecherle's original philosophy of insurance coverage at a fair price coupled with fair claim settlement has remained."
State Farm web site, May 2006

State Farm, Today

With 25 operations centers in 13 zones, these days State Farm employs 79,200 people, including 16,700 plus agents. State Farm actively services 71.6 million insurance policies in the United States and Canada. Many awards have been received by State Farm for their equal opportunity employing methods, and for the number of jobs the company has created. State Farm strives to give back to the community, participating in many programs to further education and safety, including awarding grants and scholarships.

The Future of State Farm

"Our vision for the future is to be the customer's first and best choice in the products and services we provide. We will continue to be the leader in the insurance industry and we will become a leader in the financial services arena. Our customers' needs will determine our path. Our values will guide us."
- State Farm web site, May 2006

What State Farm Offers

State Farm can take care of all your insurance needs. They offer most types of insurance coverage. All the usual suspects of auto, home, life, renter's, and supplemental medical insurance are available through State Farm. Other insurance offerings include condo, long-term care, and Medicare supplement. The State Farm web site is very user-friendly and easy to use. Using the web site, consumers can obtain a quote on any type of policy named above, or find an agent, both within minutes. Answering a few quick questions will lead you to a free online quote, and a search feature makes finding an agent simple work.

You can also reach State Farm agents through online insurance quote web sites. This offers you the ability to compare rates from State Farm and from other independent agents or companies. Inquire with the site in question about the companies that will be providing a quote.

"State Farm's mission is to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams."
- State Farm web site, May 2006

Other Services

Not only does State Farm provide you with quality insurance, but the web site is a wealth of tools and information. A helpful learning center exists online for any who would like to learn more about retirement planning, college planning, savings strategies, prevention and safety, or life stages such as having a baby, marriage, or buying a home. There's even a "kid's stuff" section. Consumers can learn about reasons to have car insurance and what insurance policies do for you, and what they can mean in your life.

Trust

State Farm is truly one of the oldest names in insurance, and theirs is a name you can trust. If State Farm did not provide excellent customer service and satisfaction, there's no way there would still be going strong. Often, it's much cheaper to buy all your insurance plans through one carrier than through several different companies. State Farm can provide for all your insurance needs, without making you spend a fortune. Isn't it better to use a company you know you can depend on?

Robert co-founded Insurance4USA.com, an insurance quote shopping service, in 1999. He has been a licensed insurance agent in New York State since 1990.

All State Life Insurance

Located in Northbrook, Illinois, the Allstate Insurance Corporation is the United States' largest publicly held personal lines insurer, and is a Fortune 100 company with $156.4 billion in assets. Allstate sells 13 major lines of insurance, including life insurance. The "You're in Good Hands with Allstate" ad is one of the most well known corporate branding statements in American history. Allstate was founded in 1931 as part of the Sears, Roebuck, & Co. group of companies, and became a publicly traded company in 1933. The name "Allstate" was taken from a tire that Sears sold in its automobile parts division, and in fact the company began as a mail-order automobile insurance company.

In 1952, the Allstate Foundation was created to partner with non-profit organizations and help to improve life in poor neighborhoods around the United States. A few years later, on September 3rd 1957, the new Allstate Life Insurance Company sold policy #000001, which was a mortgage cancellation policy, to Dale and Norma Jean Huddlestun of West Liberty, Illinois. Within six years, Allstate Life had $1 billion of insurance in force, having reached that mark faster than any previous company.

The very next year, 1964, Allstate formed the Allstate Insurance Company of Canada and Allstate Life Insurance Company of Canada. Then in 1975 Allstate first took life insurance to the Japanese market through a joint venture with Sears and Seibu Retail. 20 years later Sears spun off its remaining ownership of Allstate to Sears shareholders, which made Allstate an independent, 100% publicly held corporation.

Allstate prides itself on a powerful corporate governance and a corporate philosophy that puts high standards of customer service and ethical ideals before all other things. The company keeps its work environment fast-paced and demands personal initiative and creative thinking from its employees. Allstate also actively seeks to have as much diversity as possible in its customer base, its employees, and the demographics that it serves.

The company has many regional offices:

California (Rancho Cordova)
Capital (Fairfax, Virginia)
Florida (St. Petersburg)
Midwest (Buffalo Grove, Illinois)
New Jersey (Bridgewater)
New York (Hauppauge)
North Central (Farmington Hills, Michigan)
Northeast (Wayne, Pennsylvania)
Northwest (Bothell, Washington)
Southeast (Atlanta, Georgia)
Southern (Nashville, Tennessee)
Southwest (Phoenix, Arizona)
Texas (Irving)
West Central (Englewood, Colorado)

Allstate's life insurance division seeks to protect people from the adverse effects of an untimely death. The company offers many different term and permanent life insurance products so that different people can use life insurance as part of their customized financial plan.

The range of the types of people that Allstate covers with its life insurance products includes:

* Parents who want to make sure their children are cared for
* Those with debts they don't want to pass on to loved ones
* People who want to lock in a lower insurance rate while they're young
* Homeowners who want to make sure their family can pay off the mortgage if they should die
* Families who rely on a stay-at-home parent
* Entrepreneurs who want to protect their business
* Those who want to leave a legacy for their children and grandchildren

Today Allstate is the United States' 13th largest life insurance company based on amount of insurance in force. The arm of the company that sells life insurance products is known as Allstate Financial and also offers annuities and savings and investment products. Allstate seeks to cultivate and maintain "high value lifetime" clients.

A.M. Best gives Allstate an A+ rating. It has received this rating from Best for several years, except for a B+ for its Allstate Floridian Insurance Company Subsidiary which had agents involved in a churning scandal. Allstate is typically deemed conservative in its policies, with a good investment strategy, efficiency in its operations and technology, and good ratings for its underwriting and selling efforts.

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Personalized Service at Its Best - Nationwide and Allstate Insurance

When you are seeking to get car protection plans, you have several choices, even when it comes to getting personalized service. Two companies that are competitive with one another include Allstate Insurance and Nationwide Insurance. Of the two, Allstate has been around for a longer period of time and is considered to be the premium auto insurance provider in the United States.

There are two types of coverage that you can get for your car - premium and secondary insurance. You have probably seen the ads for discount plans for other companies that give you a lower rate. What many people do not realize is that the discount insurance also means that you do not get personalized service that you can get when you go with Allstate or Nationwide.

How to Find an Insurance Agent

You can get Allstate protection from one of their direct agents. To find such an agent in your area, you need only look in the phone book or go online. You can get a quote from him or her and then sign a policy if you like the quote. You can also get coverage for your home and even a life policy from these companies. Both Nationwide and Allstate have agents that sell their products exclusively, but latter is a more popular carrier. You may have more luck in finding an Allstate agent than you do when you go and look for an agent that offers Nationwide Insurance.

The Premium Difference

When it comes to cost of premiums, you will pay more for Allstate than you will for Nationwide. However, keep in mind that most of the plans with Allstate do provide 'forgiveness policies' which do not raise your insurance if you get into one accident. This is something that is a bit different than other carriers, most of which will raise your premium if you get into an accident or have tickets. Nationwide has attractive premium rates and will give you a good policy for your money, but it does not have the number of offices and agents as Allstate.

Weighing the Pros & Cons between Nationwide and Allstate Insurance

When it comes to accidents and claims, you can expect to be very well represented by Allstate. It has an in house counsel to defend against lawsuits as well as pursue claims against other drivers. Nationwide uses an outside counsel for most of their litigation, as is the case with most carriers. You will talk to claims adjusters for both companies if you happen to get into an accident.

Allstate is an ideal company if you have a good driving record and are looking for personalized service along with good rates. Nationwide is also a good insurance company, but does not have the same level of personalized service as Allstate, although they do have more attractive premium rates.

The choice that you make when it comes to choosing car insurance between Allstate and Nationwide is between price and service. If you are willing to spend more money to insure better personal service, you may want to go with Allstate. If you are seeking a way to save money on your car policy and not care so much about the personal touch, you may want to go with Nationwide instead.

During these tough times, you need to find the auto insurance that truly fits your needs. Go to AutoInsuranceReviewer.com and read up on user-provided Nationwide Insurance reviews or Allstate Insurance reviews to see if any of these providers answer your auto insurance needs.

Geico Car Insurance - Things To Remember While Procuring A Policy

There are companies like Geico car insurance that will insure your vehicle(s) at reasonable cost. However, that should not be any reason for you to procure insurance even from such reputed companies with closed eyes. Insurance is one such commodity that, even if sold with best of intentions, may result in complications at later stage. Such complications can be avoided by being careful and prudent at the time of procuring insurance. You should have a clear idea of what you are getting. You should learn to ask questions and clear your doubts even while obtaining insurance from reputed companies like Geico car insurance. Otherwise, if complications do arise at a later stage, as in you finding your indemnity insufficient in the event of a claim, you will certainly face financial loss. Here's a description of points to remember while buying insurance.

Be Aware Of The Specific Coverage Included On Your Policy

Make sure to check the different types of coverage included in your policy. Don't assume anything. Read the terms & conditions to verify. Whatever you think you have paid for should be mentioned on paper. This is to obviate the possibility of a company intentionally or inadvertently leaving out something. This will also help you find out if you have forgotten to include something that you essentially require. For example, you may think because you opted for comprehensive policy, it provides coverage to your family members also. This is not the case at all. Family members living in the same house require independent policy. Similarly, recreation vehicles are not included in comprehensive policy. They require separate coverage.

The Amounts Payable In Case Of A Claim(s)

Most companies like Geico car insurance decide the amounts to be paid in the event of a claim at the time of signing the contract. For example, if you procure bodily injury coverage, the company may decide to pay an amount of $5000 per injured person and $12000 for property damage. Remember to peruse these values carefully. If you find them on the lower side, don't hesitate to negotiate. Also, do remember to ask whether in case of your car getting damaged beyond repair, the amount payable to you will be decided based on the company's internal assessment or on that of an impartial agency.

Finally, make sure that the discounts or concessions that you qualify for are properly considered while calculating the cost of the insurance of your vehicle. In short, be a smart consumer / buyer. Don't let your laxity or the company's error put you in a difficult situation.

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Finding an Auto Insurance Company - Top 7 Car Insurance Companies

When searching for a car insurance company it is important to shop around and compare many different companies. Look for a well known company with a good reputation that has great customer service and that handles claims quickly.

Here are some of the top car insurance companies in the nation and some useful facts about each one that can help you make an informed decision when shopping for a car insurance policy.

1. Progressive Auto Insurance

Progressive is one of the largest auto insurance providers in the country and they have been in the insurance industry for over 70 years.

Their website offers 24 hour a day online claims reporting and policy service and management for the convenience of their customers.

In 2008, Progressive was put in 1st place for positive online customer experiences by The Customer Respect Group.

2. Nationwide Auto Insurance

Nationwide is another one of the largest financial service providers in the country. They have over $161 billion in assets.

Nationwide was ranked #108 on the Fortune 500 list.

Nationwide also has an online insurance claims center and a toll free number that customers can call 24/7 to file a claim.

3. GEICO Auto Insurance

GEICO is a large, well known company that has an excellent reputation for customer service.

They also offer many discounts to their customers such as an anti theft discount, college graduate discount, good student discount, military discount, driver's education discount, defensive driving discount and many more.

A.M. Best gave GEICO an A++ rating, which is their highest rating, for financial stability. GEICO has been in business for over 70 years.

4. Travelers Auto Insurance

Travelers took the #93 spot on the Fortune 500 list. They received an A+ financial strength rating from A.M. Best.

They also offer their customers many discounts such as a multi car discount, hybrid auto discount, good student discount, and a good driver discount.

Travelers Insurance is also a very large company. They have representatives in every state, Canada, Ireland, and the U.K.

5. Allstate Auto Insurance

Allstate is another top auto insurance company. They were given an A+ rating by A.M. Best for financial strength.

Allstate has many different programs that their customers can choose from. They have an Accident Forgiveness Program that keeps your car insurance rates from going up if you are in an accident and even if it is your fault. They also have a safe driving bonus. This allows you to earn a check for up to 5% of your premium for every six months that you are accident free.

Allstate offers 24/7 claims service online or by telephone.

6. Amica Auto Insurance

Amica is a mutual insurance company that was founded in 1907, making it the oldest mutual auto insurance company in the U.S. Amica does business in every state except Hawaii.

Amica received an A.M. Best rating of A++, which is their highest rating. J.D. Power and Associates has named Amica the highest in customer satisfaction for nine years in a row.

7. Liberty Mutual Auto Insurance

Liberty Mutual is a large mutual insurance company with over 900 offices around the world. Liberty Mutual went national in 1994, and now operates in more than twenty countries.

Liberty Mutual was given a score of A by A.M. Best for their financial strength.

Compare quotes from top insurance companies to make sure that you are getting the best auto insurance policy at the lowest rates possible. It is always important to do research and shop around when looking for a car insurance policy.

Save Time and Money With Geico Auto Insurance

Geico auto insurance is well known for excellence when it comes to providing consumers with good, affordable plans. One of the largest companies in North America, Geico is becoming increasingly popular year after year. Once, this service was only available to government employees, and now it's readily available to anyone who needs it.

There are plenty of ways to save on insurance by going with this company. Geico provides drivers all across the country with access to the best plans out there. Sure, other companies provide similar services, but none of their customer satisfaction rates can compete with Geico's 97%! Anybody seeking a new plan should do so through Geico.

Finding new car insurance can be a challenging task. Prices go up each year, and not everyone can qualify for discounts. Those that do often don't know how to go about getting discounts. There are dozens of different companies and countless plans to look through. On top of that, applying for insurance can be a daunting task as well.

Thankfully, Geico auto insurance makes getting plans easier. There are many ways to save money with this company, and repeat customers are rewarded greatly. The customer service is top-notch, therefore the majority of car owners are always pleased with everything Geico provides for them. Applications can be filled out online, and those who are accepted can manage their accounts through the official website.

Out of all different companies and plans out there today, Geico auto insurance is always on top of all the latest developments in technology, and therefore is able to provide consumers with mobile phone updates and billing information!

With Geico auto insurance you'll have control over your account. In addition to saving a lot of money with Geico, you'll also have less hassles and stress to deal with. Get yourself some quotes right now to find out your options!

GEICO Car Insurance Company Review - GEICO Auto Insurance Guide

What do a talking gecko and cavemen have in common? Both have become household names, representing just how easy it is to get great auto coverage with GEICO car insurance company. What started in the mid-1930s, the Government Employees Insurance Company (GEICO), has become one of the most well-known and highly respected companies in the nation.

With all the auto insurance companies out there, what makes GEICO so special? Well, other than their spokes-gecko-man, they really do have a lot to offer their customers. Leo Goodwin, founder of GEICO, and his wife Lillian worked hard at bringing low costs to specific target groups, while still being able to make a profit. Today, GEICO car insurance company's policyholders still receive excellent coverage, low prices and outstanding customer service, due to the options and services GEICO offers.

Attention

Unlike some insurance companies that close during certain hours of the week, GEICO auto insurance company provides 24-hour service, 7 days a week, 365 days a year. This means, there will always be a representative there to help you no matter what time of the day your accident occurs. Even if you're just in need of some answers, one of GEICO's highly trained representatives will be there to put any of your questions to rest, so you can have peace of mind about your auto or property coverage.

Multi-Coverage

Not only does GEICO car insurance company give your car protection, it gives protection to your motorcycle, ATV, boat, home, mobile home and apartment. Other great bonuses they offer are flood and life insurance, as well as umbrella protection. What umbrella protection does is add an additional layer of protection on top of the liability that comes with your standard policies.

Moving overseas or just going on vacation? GEICO will also take care of getting whatever you need insured. International Insurance Underwriters Inc, a subsidiary of GEICO, will make sure you have everything needed for crossing the border.

Financial Strength

In all reality, when an insurance company isn't financially stable, they will not be able to cover payment of your claim. Not only does that cause you unnecessary frustration, but it also causes you to pay out of pocket. With GEICO auto insurance company, your mind can be at ease. GEICO has received some of the highest ratings from Standard and Poor's, Moody's and A. M. Best. The American Customer Satisfaction Index even rated GEICO as the number one property casualty insurer in the nation.

Discounts

The discounts GEICO offer vary, from vehicle discounts to individual discounts. GEICO auto insurance company offers special discounts for students, seniors, federal workers and people serving in the military.

Privileges Plan and Other Programs

Signing up for the GEICO Privileges allows you to save money at certain brand-name retailers for your home, automobile, shopping, entertainment and travel needs.

Some retailers you can start saving with thanks to GEICO Privileges Program are:

• AutoSport
• Barnes & Noble
• Alamo
• Target.com
• Direct TV
• 1-800-flowers.com
• JC Penney Portraits

To find more participating retailers, visit the GEICO website.

Other programs GEICO car insurance offer, are the Military Program and Federal Program.

Working hard to "serve those who serve," GEICO has a created the Military Assistance Team (MAT), staffed with individuals who have served our country. These individuals are dedicated to helping those that serve in all branches of the military find the best fit when it comes to insurance.

Originally created to insure federal employees, GEICO has worked over the past 60 years and strengthening that relationship. Today, their federal program participates in the following organization and programs.

• GEICO Public Service Awards (GPSA)
• GEICO Federal Leave Record Cards
• Health and Safety Fairs
• Combined Federal Campaigns
• Child Seats
• Public Employee's Roundtable
• Federal Employee Education and Assistance Fund

Compare Quotes From GEICO with Quotes From Other Insurers

With all the auto insurance companies out there, it can be very tedious picking the one that works best for you and your needs. Due to its high ratings and excellent customer service, GEICO car insurance company is definitely worth checking out.