Today, Farmers Insurance Group of Companies is the country's third-largest insurer of both private Personal Lines passenger automobile and homeowners insurance, and also provides a wide range of other insurance and financial services products. Farmers operates primarily in 41 states across the country through the efforts of approximately 20,000 employees. Farmers exclusive and independent agents, along with Farmers employees, are responsible for servicing more than 15 million customers.
Tuesday, August 17, 2010
www.Farmers.com
We began our journey in 1928, when two men who shared a dream of providing a quality insurance product at a reasonable price opened the doors to the Farmers Automobile Inter-Insurance Exchange in Los Angeles. In the eighty years that followed, we've grown and adapted to meet the changing needs of Americans - but one constant has remained. We have an unwavering commitment to upholding the ideals with which we began by providing industry-leading products and services to the customers we're privileged to serve.
Today, Farmers Insurance Group of Companies is the country's third-largest insurer of both private Personal Lines passenger automobile and homeowners insurance, and also provides a wide range of other insurance and financial services products. Farmers operates primarily in 41 states across the country through the efforts of approximately 20,000 employees. Farmers exclusive and independent agents, along with Farmers employees, are responsible for servicing more than 15 million customers.
Today, Farmers Insurance Group of Companies is the country's third-largest insurer of both private Personal Lines passenger automobile and homeowners insurance, and also provides a wide range of other insurance and financial services products. Farmers operates primarily in 41 states across the country through the efforts of approximately 20,000 employees. Farmers exclusive and independent agents, along with Farmers employees, are responsible for servicing more than 15 million customers.
www.Insurance.com/
Welcome to insurance.com, where leading insurance companies compete for your business.
Our Web site makes it easy for you to research your insurance questions and get fast, free comparison rates from multiple companies. The companies we represent include well-known insurers with a strong track record of financial stability and customer service.
Insurance.com is designed to let you customize the way you learn about insurance and compare quotes when it’s convenient for you. When you’re ready to buy, we’re ready to help.
We always want to hear from you! Feel free to contact us.
Our Web site makes it easy for you to research your insurance questions and get fast, free comparison rates from multiple companies. The companies we represent include well-known insurers with a strong track record of financial stability and customer service.
Insurance.com is designed to let you customize the way you learn about insurance and compare quotes when it’s convenient for you. When you’re ready to buy, we’re ready to help.
We always want to hear from you! Feel free to contact us.
www.Geico.com
Want to find out just how many customers we serve? Interested in seeing proof of GEICO's financial strength? Just want to know what the heck GEICO stands for? You've come to the right place. Peruse the facts and figures here to find out everything you've ever wanted to know about GEICO corporate operations.
What does GEICO Stand for?
Government Employees Insurance Company. Puzzled, are you? Well, the name goes back to the beginnings of the company. Founder Leo Goodwin first targeted a customer base of U.S. government employees and military personnel. Today, of course, the company has grown to provide insurance to a wide range of customers, no matter whether they're employed by Uncle Sam or the private sector.
How many Customers does GEICO Serve?
In 1996, GEICO became a wholly owned subsidiary of Berkshire Hathaway, headed by Warren Buffett, one of the country's most successful investors. For the past three years (2006, 2007, and 2008), Fortune magazine has named Berkshire's property-casualty insurance operation the most admired in the country.
Who Vouches for GEICO's Financial Strength?
GEICO and its affiliates (GEICO General, GEICO Indemnity and GEICO Casualty) enjoy high ratings in the industry for financial strength and claims-paying ability:
Since its founding in 1936, GEICO has worked to offer members of the U.S. military the most affordable insurance options. We continue to recognize the troops' important service to our country with special discount programs and service options. Whether they are deployed domestically or abroad, in peacetime, or in times of conflict, GEICO is always committed to providing members of the military the service and respect that they deserve.
Does GEICO Offer More than Car Insurance?
Indeed! In addition to auto insurance, GEICO can help you with:
What does GEICO Stand for?
Government Employees Insurance Company. Puzzled, are you? Well, the name goes back to the beginnings of the company. Founder Leo Goodwin first targeted a customer base of U.S. government employees and military personnel. Today, of course, the company has grown to provide insurance to a wide range of customers, no matter whether they're employed by Uncle Sam or the private sector.
How many Customers does GEICO Serve?
- 9 million auto policyholders and growing
- GEICO insures more than 16 million vehicles
- Third-largest private passenger auto insurer in the United States as reported by A.M. Best 2008 market share data
- Fastest-growing major auto insurer in the U.S., with policies-in-force growth of 8.9 percent in 2008
- Employs 24,000 associates
- Maintains 12 major offices around the country
- Provides 24-hour service, 7 days a week, 365 days a year
- Four affiliated companies to meet insurance needs of drivers
- Tony Nicely, Chairman, President and CEO, Insurance Operations
- Lou Simpson, President and CEO, Capital Operations
In 1996, GEICO became a wholly owned subsidiary of Berkshire Hathaway, headed by Warren Buffett, one of the country's most successful investors. For the past three years (2006, 2007, and 2008), Fortune magazine has named Berkshire's property-casualty insurance operation the most admired in the country.
Who Vouches for GEICO's Financial Strength?
GEICO and its affiliates (GEICO General, GEICO Indemnity and GEICO Casualty) enjoy high ratings in the industry for financial strength and claims-paying ability:
- AA+ rating from Standard and Poor's
- Aa1 from Moody's
- A++ from A. M. Best
- Contact us 24 hours a day, 7 days a week, 365 days a year
- Corporate headquarters:
5260 Western Avenue, Chevy Chase, Md. 20815 - Mailing address:
One GEICO Plaza, Washington, D.C. 20076 - Regional offices:
Fredericksburg, Virginia
Woodbury, New York
Macon, Georgia
San Diego, California
Dallas, Texas
Lakeland, Florida
Virginia Beach, Virginia
Buffalo, New York - Service centers:
Coralville, Iowa
Tucson, Arizona
Honolulu, Hawaii
Since its founding in 1936, GEICO has worked to offer members of the U.S. military the most affordable insurance options. We continue to recognize the troops' important service to our country with special discount programs and service options. Whether they are deployed domestically or abroad, in peacetime, or in times of conflict, GEICO is always committed to providing members of the military the service and respect that they deserve.
Does GEICO Offer More than Car Insurance?
Indeed! In addition to auto insurance, GEICO can help you with:
- Motorcycle, ATV, RV, and Boat insurance
- Homeowners, Renters, Condo, Co-op, and Mobile Home insurance
- Personal Umbrella Protection
- Life insurance
- Flood insurance
- Overseas insurance
- Commercial Auto insurance
- Identity Theft Protection
www.Progressive.com
The Progressive Group of Insurance Companies has always lived up to its name by being one step ahead of the insurance industry, and finding new and affordable insurance solutions. We began in 1937 with the first drive-in claims office, became the first to introduce reduced rates for low-risk drivers, and then changed the insurance shopping experience by offering comparison rates on the Web.
Progressive continues to find better ways to serve you with our new and personalized MyRate® program and our Name Your Price® auto insurance pricing option.
Progressive Overview
Progressive has a lot to offer—from our concierge level of claims service to specialized coverages for recreational vehicles. Read about our agency and online services and insurance solutions. Meet the people who make a difference in our company, learn about our core values and history, and see how we’re being recognized for our accomplishments.
Newsroom
Are you a member of the media? Our Newsroom contains our press kit, news releases, useful statistics, and videos.
Jobs
Progressive has been rated one of the top places to start a career because we develop and grow business leaders. View and apply for open positions, and join our network so we can let you know when we have new opportunities.
Investors
Get timely updates through conference calls, webcasts and presentations, andshareholders’ reports.
Sponsorships
Progressive is the proud sponsor of theProgressive Automotive XPrize, a worldwide contest to create the first marketable 100 mpg car, andProgressive Field®, home of the Cleveland Indians baseball team.
TV Commercials
Can’t get enough of Flo? Watch our Progressive commercials online any time you want.
Progressive Websites
Do you own your own business and need commercial auto insurance? Do you want to become an insurance agent or broker? Progressive has online information just for you.
Progressive continues to find better ways to serve you with our new and personalized MyRate® program and our Name Your Price® auto insurance pricing option.
Progressive Overview
Progressive has a lot to offer—from our concierge level of claims service to specialized coverages for recreational vehicles. Read about our agency and online services and insurance solutions. Meet the people who make a difference in our company, learn about our core values and history, and see how we’re being recognized for our accomplishments.
Newsroom
Are you a member of the media? Our Newsroom contains our press kit, news releases, useful statistics, and videos.
Jobs
Progressive has been rated one of the top places to start a career because we develop and grow business leaders. View and apply for open positions, and join our network so we can let you know when we have new opportunities.
Investors
Get timely updates through conference calls, webcasts and presentations, andshareholders’ reports.
Sponsorships
Progressive is the proud sponsor of theProgressive Automotive XPrize, a worldwide contest to create the first marketable 100 mpg car, andProgressive Field®, home of the Cleveland Indians baseball team.
TV Commercials
Can’t get enough of Flo? Watch our Progressive commercials online any time you want.
Progressive Websites
Do you own your own business and need commercial auto insurance? Do you want to become an insurance agent or broker? Progressive has online information just for you.
www.StateFarm.com
Terms of use
This document outlines the Terms and Conditions relating to your use of statefarm.com® and provides additional information about State Farm Mutual Automobile Insurance Company, its affiliates and subsidiaries (State Farm). These Terms and Conditions are applicable to your use of this site regardless of how you accessed it. If you do not wish to be bound by these Terms and Conditions, please discontinue using and accessing this site immediately.
Privacy Policy:
To receive information about State Farm's Privacy Policy, please visit our Notice of Privacy Policy.
Your use of this site
You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this site will be truthful and accurate. State Farm reserves the right to require a customer change their Customer ID or answers to security questions if they are deemed inappropriate at State Farm's sole discretion and judgment.
E-mails to State Farm addresses
The State Farm e-mail system is a private e-mail system intended only for purposes authorized by State Farm. You are not authorized to send numerous unsolicited commercial e-mail messages to any e-mail addresses at @statefarm.com. State Farm reserves the right to take actions as may be necessary to prevent misuse of its e-mail system by unauthorized parties.
Disclaimer of Warranties
Any information, services, materials, software, calculators or other items on this site are provided "as is" without any warranty of any kind, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. State Farm does not warrant that this site will be uninterrupted or error fee. Any risk arising out of use or performance of the information, services, materials, software, calculators or other items remains entirely with you. Under no circumstances will State Farm be liable for any damages whatsoever arising out of the use or performance of the information, services, materials, software, calculators or other items.
Secured areas/passwords
Some portions of this site are restricted and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.
If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. State Farm will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact State Farm. State Farm will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. In order to protect your personal information State Farm encourages you to change your password every 6 months.
State Farm Intellectual Property Rights
The State Farm three oval logo, the terms "State Farm", "State Farm Insurance," "State Farm Insurance Companies," "State Farm Bank", and the phrases "Like a good neighbor, State Farm is there", "Invest with a Good Neighbor," "Bank with a Good Neighbor," "State Farm is there for life," "24 Hour Good Neighbor Service", "statefarm.com," "Service First" (known as "One Stop Claim Service" in Washington), as well as all logos and graphics using the State Farm name are the intellectual property of and/or federally registered trademarks/servicemarks owned by the State Farm Mutual Automobile Insurance Company and its affiliated organizations. State Farm may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site including but not limited to graphics, text, software, audio, video, and files, are the property of State Farm and are protected by copyright or other intellectual property laws.
State Farm reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. ALL OTHER USES ARE PROHIBITED.
You are not authorized to use any portion of this site or any other State Farm intellectual property on any other site, in the meta-tags of any other site or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this site's content or frame this site within any other site.
Links to/from other sites
For your convenience, State Farm may provide links to other Internet sites that State Farm does not maintain. You should not interpret any link to/from other sites as indicating that State Farm sponsors or endorses the sites or their materials or that the sites are affiliated with State Farm in any manner. State Farm is not responsible for anything contained on such sites and makes no warranties or representations about the contents, products or services offered on such sites. State Farm is not responsible for and makes no warranties or representations about the content, products or services offered on any sites that you may elect to use in connection with this site.
Availability of products and services
State Farm does business in certain states in the United States of America and certain provinces in Canada. Home offices are located in Bloomington, Illinois unless otherwise indicated.
Not all of the products or services described on this site are available in all states or provinces. You may not be eligible for all products and services and State Farm reserves the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of this site related to such products and services provide additional information about terms, conditions representations, agreements, eligibility and availability.
State Farm Bank®, Bloomington, Illinois, is a member FDIC and Equal Housing Lender. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and subject to investment risk, including possible loss of principal.
State Farm's securities products are offered by State Farm VP Management Corp., One State Farm Plaza, Bloomington, Illinois 61710-0001, 1-800-447-4930 (mutual funds) or 1-888-702-2307 (variable products). State Farm Mutual Funds are not insurance products. State Farm's variable products are issued by State Farm Life Insurance Company (Not licensed in MA, NY or WI) Bloomington, IL, State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin). These products are not FDIC Insured, are not Bank Products and may lose value. For more complete information, potential investors should obtain a prospectus for the mutual funds or variable products, by calling the respective number below, and read it carefully before investing.
1-800-447-4930 (retail funds), 1-800-447-0740 (associate funds) or 1-888-702-2307 (variable products).
Investment return and principal value will fluctuate and your shares, when redeemed, may be worth more or less than their original cost.
Other agreements
These "Terms and Conditions" apply to your use of this site and do not change or alter any other contract or agreement between you and State Farm.
Insurance quotes/coverages
At this time, on-line quotes may not be available for all states or provinces, products, services or coverage selections. For additional information about products, services or coverage selections otherwise offered by State Farm, please contact a State Farm agent
All quotes generated by this site are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this site are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to State Farm. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state. For additional information, please contact a State Farm agent.
Online claims submissions
If you are a State Farm customer, you may elect to report an insurance claim online where available. Your submission does not commit State Farm to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. State Farm reserves the right to request additional information prior to reaching a decision on the claim. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please contact your State Farm agent.
Changes to this document
The content of this site and of these "Terms and Conditions" are subject to change without prior notice.
Applicable law/severability
These "Terms and Conditions" shall be governed by and interpreted according to the laws of the State of Illinois without respect to any conflict of laws provisions. If any portion of these "Terms and Conditions" is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.
Additional information about State Farm
Insurance Licensing information - General
State Farm Mutual Automobile Insurance Company is organized under the laws of the State of Illinois and licensed in all 50 states, the District of Columbia, and the provinces of Alberta, New Brunswick, and Ontario. The company is principally engaged in writing automobile insurance. In the U.S. the company also writes long term care, disability income, Medicare Supplement and supplemental health insurance. NAIC number: 25178
State Farm Fire and Casualty Company, a wholly owned subsidiary or State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois and licensed in all 50 states, the District of Columbia, and the provinces of Alberta, New Brunswick, and Ontario. The company is principally engaged in writing personal lines and writing property and casualty lines of insurance consisting mainly of homeowners and commercial multiple peril. NAIC number: 25143
State Farm General Insurance Company, a wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois and is licensed in all states except Rhode Island, Connecticut, and Massachusetts. Its principal focus is on personal lines consisting mainly of homeowners and commercial multiple peril. NAIC number: 25151
State Farm Indemnity Company, a wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois. Although licensed in both Illinois and New Jersey, it is solely engaged in the writing of automobile insurance in New Jersey. NAIC number: 43796
State Farm Guaranty Insurance Company, a wholly owned subsidiary of State Farm Indemnity Company, is organized under the laws of the State of Illinois. Although licensed in both Illinois and New Jersey, it is solely engaged in the writing of automobile insurance in New Jersey. NAIC number: 12251
State Farm Florida Insurance Company*, a wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Florida and licensed in Florida and Illinois. The company writes property insurance in the State of Florida. NAIC number: 10739
State Farm Life Insurance Company, a wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois and is licensed in the District of Columbia, all states except Massachusetts, New York, and Wisconsin. The company primarily writes individual life and annuity products. NAIC number: 69108
State Farm Life and Accident Assurance Company, a wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois and licensed in Connecticut, Illinois, New York, and Wisconsin. The company primarily writes individual life and annuity products. NAIC number: 69094
State Farm Annuity and Life Insurance Company, a wholly owned subsidiary of State Farm Life Insurance Company, is organized under the laws of the State of Illinois and licensed in all states except Connecticut, Florida, Iowa, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Carolina, Oklahoma, Pennsylvania, Rhode Island, Texas, and Wisconsin. NAIC number: 94498
Insurance Licensing Information - Texas
State Farm Mutual Automobile Insurance Company is organized under the laws of the State of Illinois and licensed in all 50 states, the District of Columbia, and the provinces of Alberta, New Brunswick, and Ontario. The company is principally engaged in writing automobile insurance. In the U.S. the company also writes long term care, disability income, Medicare Supplement and supplemental health insurance. NAIC number: 25178
State Farm Fire and Casualty Company, a wholly owned subsidiary or State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois and licensed in all 50 states, the District of Columbia, and the provinces of Alberta, New Brunswick, and Ontario. The company is principally engaged in writing personal lines and writing property and casualty lines of insurance consisting mainly of homeowners and commercial multiple peril, including boat owners, personal liability umbrella policies, commercial inland marine, and workers compensation NAIC number: 25143
State Farm Life Insurance Company, a wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois and is licensed in the District of Columbia, all states except Massachusetts, New York, and Wisconsin. The company primarily writes individual life and annuity products. NAIC number: 69108
State Farm Lloyds** is an association of underwriters operating under a Lloyds Plan as provided under Chapter 941 of the Texas Insurance Code and is under common management with State Farm Mutual Automobile Insurance Company. State Farm Lloyds is principally engaged in writing homeowners and multiple peril insurance, including homeowners, renters, and business insurance in Texas. NAIC number: 43419
State Farm Lloyds, Inc.**, is a Texas corporation and is wholly owned by State Farm Mutual Automobile Insurance Company. It is the Attorney-in-Fact for State Farm Lloyds.
State Farm County Mutual Insurance Company of Texas** is a county mutual company organized under the laws of the State of Texas and is under common management with State Farm Mutual Automobile Insurance Company. The company is principally engaged in writing automobile and personal inland marine personal articles insurance including in Texas. NAIC number: 26816
Other Companies
State Farm VP Management Corp., One State Farm Plaza, Bloomington, IL 61710-0001, 1-800-447-4930.
State Farm Bank, F.S.B., Bloomington, IL
All companies are domiciled in Bloomington Illinois except where noted:
* State of Florida
** State of Texas
Contact information
Please Contact Us for additional information
Privacy Policy:
To receive information about State Farm's Privacy Policy, please visit our Notice of Privacy Policy.
Your use of this site
You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this site will be truthful and accurate. State Farm reserves the right to require a customer change their Customer ID or answers to security questions if they are deemed inappropriate at State Farm's sole discretion and judgment.
E-mails to State Farm addresses
The State Farm e-mail system is a private e-mail system intended only for purposes authorized by State Farm. You are not authorized to send numerous unsolicited commercial e-mail messages to any e-mail addresses at @statefarm.com. State Farm reserves the right to take actions as may be necessary to prevent misuse of its e-mail system by unauthorized parties.
Disclaimer of Warranties
Any information, services, materials, software, calculators or other items on this site are provided "as is" without any warranty of any kind, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. State Farm does not warrant that this site will be uninterrupted or error fee. Any risk arising out of use or performance of the information, services, materials, software, calculators or other items remains entirely with you. Under no circumstances will State Farm be liable for any damages whatsoever arising out of the use or performance of the information, services, materials, software, calculators or other items.
Secured areas/passwords
Some portions of this site are restricted and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.
If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. State Farm will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact State Farm. State Farm will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. In order to protect your personal information State Farm encourages you to change your password every 6 months.
State Farm Intellectual Property Rights
The State Farm three oval logo, the terms "State Farm", "State Farm Insurance," "State Farm Insurance Companies," "State Farm Bank", and the phrases "Like a good neighbor, State Farm is there", "Invest with a Good Neighbor," "Bank with a Good Neighbor," "State Farm is there for life," "24 Hour Good Neighbor Service", "statefarm.com," "Service First" (known as "One Stop Claim Service" in Washington), as well as all logos and graphics using the State Farm name are the intellectual property of and/or federally registered trademarks/servicemarks owned by the State Farm Mutual Automobile Insurance Company and its affiliated organizations. State Farm may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site including but not limited to graphics, text, software, audio, video, and files, are the property of State Farm and are protected by copyright or other intellectual property laws.
State Farm reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. ALL OTHER USES ARE PROHIBITED.
You are not authorized to use any portion of this site or any other State Farm intellectual property on any other site, in the meta-tags of any other site or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this site's content or frame this site within any other site.
Links to/from other sites
For your convenience, State Farm may provide links to other Internet sites that State Farm does not maintain. You should not interpret any link to/from other sites as indicating that State Farm sponsors or endorses the sites or their materials or that the sites are affiliated with State Farm in any manner. State Farm is not responsible for anything contained on such sites and makes no warranties or representations about the contents, products or services offered on such sites. State Farm is not responsible for and makes no warranties or representations about the content, products or services offered on any sites that you may elect to use in connection with this site.
Availability of products and services
State Farm does business in certain states in the United States of America and certain provinces in Canada. Home offices are located in Bloomington, Illinois unless otherwise indicated.
Not all of the products or services described on this site are available in all states or provinces. You may not be eligible for all products and services and State Farm reserves the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of this site related to such products and services provide additional information about terms, conditions representations, agreements, eligibility and availability.
State Farm Bank®, Bloomington, Illinois, is a member FDIC and Equal Housing Lender. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and subject to investment risk, including possible loss of principal.
State Farm's securities products are offered by State Farm VP Management Corp., One State Farm Plaza, Bloomington, Illinois 61710-0001, 1-800-447-4930 (mutual funds) or 1-888-702-2307 (variable products). State Farm Mutual Funds are not insurance products. State Farm's variable products are issued by State Farm Life Insurance Company (Not licensed in MA, NY or WI) Bloomington, IL, State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin). These products are not FDIC Insured, are not Bank Products and may lose value. For more complete information, potential investors should obtain a prospectus for the mutual funds or variable products, by calling the respective number below, and read it carefully before investing.
1-800-447-4930 (retail funds), 1-800-447-0740 (associate funds) or 1-888-702-2307 (variable products).
Investment return and principal value will fluctuate and your shares, when redeemed, may be worth more or less than their original cost.
Other agreements
These "Terms and Conditions" apply to your use of this site and do not change or alter any other contract or agreement between you and State Farm.
Insurance quotes/coverages
At this time, on-line quotes may not be available for all states or provinces, products, services or coverage selections. For additional information about products, services or coverage selections otherwise offered by State Farm, please contact a State Farm agent
All quotes generated by this site are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this site are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to State Farm. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state. For additional information, please contact a State Farm agent.
Online claims submissions
If you are a State Farm customer, you may elect to report an insurance claim online where available. Your submission does not commit State Farm to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. State Farm reserves the right to request additional information prior to reaching a decision on the claim. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please contact your State Farm agent.
Changes to this document
The content of this site and of these "Terms and Conditions" are subject to change without prior notice.
Applicable law/severability
These "Terms and Conditions" shall be governed by and interpreted according to the laws of the State of Illinois without respect to any conflict of laws provisions. If any portion of these "Terms and Conditions" is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.
Additional information about State Farm
Insurance Licensing information - General
State Farm Mutual Automobile Insurance Company is organized under the laws of the State of Illinois and licensed in all 50 states, the District of Columbia, and the provinces of Alberta, New Brunswick, and Ontario. The company is principally engaged in writing automobile insurance. In the U.S. the company also writes long term care, disability income, Medicare Supplement and supplemental health insurance. NAIC number: 25178
State Farm Fire and Casualty Company, a wholly owned subsidiary or State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois and licensed in all 50 states, the District of Columbia, and the provinces of Alberta, New Brunswick, and Ontario. The company is principally engaged in writing personal lines and writing property and casualty lines of insurance consisting mainly of homeowners and commercial multiple peril. NAIC number: 25143
State Farm General Insurance Company, a wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois and is licensed in all states except Rhode Island, Connecticut, and Massachusetts. Its principal focus is on personal lines consisting mainly of homeowners and commercial multiple peril. NAIC number: 25151
State Farm Indemnity Company, a wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois. Although licensed in both Illinois and New Jersey, it is solely engaged in the writing of automobile insurance in New Jersey. NAIC number: 43796
State Farm Guaranty Insurance Company, a wholly owned subsidiary of State Farm Indemnity Company, is organized under the laws of the State of Illinois. Although licensed in both Illinois and New Jersey, it is solely engaged in the writing of automobile insurance in New Jersey. NAIC number: 12251
State Farm Florida Insurance Company*, a wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Florida and licensed in Florida and Illinois. The company writes property insurance in the State of Florida. NAIC number: 10739
State Farm Life Insurance Company, a wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois and is licensed in the District of Columbia, all states except Massachusetts, New York, and Wisconsin. The company primarily writes individual life and annuity products. NAIC number: 69108
State Farm Life and Accident Assurance Company, a wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois and licensed in Connecticut, Illinois, New York, and Wisconsin. The company primarily writes individual life and annuity products. NAIC number: 69094
State Farm Annuity and Life Insurance Company, a wholly owned subsidiary of State Farm Life Insurance Company, is organized under the laws of the State of Illinois and licensed in all states except Connecticut, Florida, Iowa, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Carolina, Oklahoma, Pennsylvania, Rhode Island, Texas, and Wisconsin. NAIC number: 94498
Insurance Licensing Information - Texas
State Farm Mutual Automobile Insurance Company is organized under the laws of the State of Illinois and licensed in all 50 states, the District of Columbia, and the provinces of Alberta, New Brunswick, and Ontario. The company is principally engaged in writing automobile insurance. In the U.S. the company also writes long term care, disability income, Medicare Supplement and supplemental health insurance. NAIC number: 25178
State Farm Fire and Casualty Company, a wholly owned subsidiary or State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois and licensed in all 50 states, the District of Columbia, and the provinces of Alberta, New Brunswick, and Ontario. The company is principally engaged in writing personal lines and writing property and casualty lines of insurance consisting mainly of homeowners and commercial multiple peril, including boat owners, personal liability umbrella policies, commercial inland marine, and workers compensation NAIC number: 25143
State Farm Life Insurance Company, a wholly owned subsidiary of State Farm Mutual Automobile Insurance Company, is organized under the laws of the State of Illinois and is licensed in the District of Columbia, all states except Massachusetts, New York, and Wisconsin. The company primarily writes individual life and annuity products. NAIC number: 69108
State Farm Lloyds** is an association of underwriters operating under a Lloyds Plan as provided under Chapter 941 of the Texas Insurance Code and is under common management with State Farm Mutual Automobile Insurance Company. State Farm Lloyds is principally engaged in writing homeowners and multiple peril insurance, including homeowners, renters, and business insurance in Texas. NAIC number: 43419
State Farm Lloyds, Inc.**, is a Texas corporation and is wholly owned by State Farm Mutual Automobile Insurance Company. It is the Attorney-in-Fact for State Farm Lloyds.
State Farm County Mutual Insurance Company of Texas** is a county mutual company organized under the laws of the State of Texas and is under common management with State Farm Mutual Automobile Insurance Company. The company is principally engaged in writing automobile and personal inland marine personal articles insurance including in Texas. NAIC number: 26816
Other Companies
State Farm VP Management Corp., One State Farm Plaza, Bloomington, IL 61710-0001, 1-800-447-4930.
State Farm Bank, F.S.B., Bloomington, IL
All companies are domiciled in Bloomington Illinois except where noted:
* State of Florida
** State of Texas
Contact information
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Controversies
Religious concerns
Muslim scholars have varying opinions about insurance. Insurance policies that earn interest are generally considered to be a form of riba[27] (usury) and some consider even policies that do not earn interest to be a form of gharar (speculation). Some argue that gharar is not present due to the actuarial science behind the underwriting.[28]
Jewish rabbinical scholars also have expressed reservations regarding insurance as an avoidance of God's will but most find it acceptable in moderation.[29]
Some Christians believe insurance represents a lack of faith[30] and there is a long history of resistance to commercial insurance in Anabaptist communities (Mennonites, Amish, Hutterites, Brethren in Christ) but many participate in community-based self-insurance programs that spread risk within their communities.
Insurance insulates too much
By creating a "security blanket" for its insureds, an insurance company may inadvertently find that its insureds may not be as risk-averse as they might otherwise be (since, by definition, the insured has transferred the risk to the insurer), a concept known as moral hazard. To reduce their own financial exposure, insurance companies have contractual clauses that mitigate their obligation to provide coverage if the insured engages in behavior that grossly magnifies their risk of loss or liability.[citation needed]
For example, life insurance companies may require higher premiums or deny coverage altogether to people who work in hazardous occupations or engage in dangerous sports. Liability insurance providers do not provide coverage for liability arising from intentional torts committed by or at the direction of the insured. Even if a provider were so irrational as to want to provide such coverage, it is against the public policy of most countries to allow such insurance to exist, and thus it is usually illegal.
Complexity of insurance policy contracts
Insurance policies can be complex and some policyholders may not understand all the fees and coverages included in a policy. As a result, people may buy policies on unfavorable terms. In response to these issues, many countries have enacted detailed statutory and regulatory regimes governing every aspect of the insurance business, including minimum standards for policies and the ways in which they may be advertised and sold.
For example, most insurance policies in the English language today have been carefully drafted in plain English; the industry learned the hard way that many courts will not enforce policies against insureds when the judges themselves cannot understand what the policies are saying. Typically, courts construe ambiguities in insurance policies against the insurance company and in favor of coverage under the policy.
Many institutional insurance purchasers buy insurance through an insurance broker. While on the surface it appears the broker represents the buyer (not the insurance company), and typically counsels the buyer on appropriate coverage and policy limitations, it should be noted that in the vast majority of cases a broker's compensation comes in the form of a commission as a percentage of the insurance premium, creating a conflict of interest in that the broker's financial interest is tilted towards encouraging an insured to purchase more insurance than might be necessary at a higher price. A broker generally holds contracts with many insurers, thereby allowing the broker to "shop" the market for the best rates and coverage possible.
Insurance may also be purchased through an agent. Unlike a broker, who represents the policyholder, an agent represents the insurance company from whom the policyholder buys. An agent can represent more than one company.
An independent insurance consultant advises insureds on a fee-for-service retainer, similar to an attorney, and thus offers completely independent advice, free of the financial conflict of interest of brokers and/or agents. However, such a consultant must still work through brokers and/or agents in order to secure coverage for their clients.
Redlining
Redlining is the practice of denying insurance coverage in specific geographic areas, supposedly because of a high likelihood of loss, while the alleged motivation is unlawful discrimination. Racial profiling or redlining has a long history in the property insurance industry in the United States. From a review of industry underwriting and marketing materials, court documents, and research by government agencies, industry and community groups, and academics, it is clear that race has long affected and continues to affect the policies and practices of the insurance industry.[34]
In July, 2007, The Federal Trade Commission released a report presenting the results of a study concerning credit-based insurance scores and automobile insurance. The study found that these scores are effective predictors of the claims that consumers will file.[35]
All states have provisions in their rate regulation laws or in their fair trade practice acts that prohibit unfair discrimination, often called redlining, in setting rates and making insurance available.[36]
In determining premiums and premium rate structures, insurers consider quantifiable factors, including location, credit scores, gender, occupation, marital status, and education level. However, the use of such factors is often considered to be unfair or unlawfully discriminatory, and the reaction against this practice has in some instances led to political disputes about the ways in which insurers determine premiums and regulatory intervention to limit the factors used.
An insurance underwriter's job is to evaluate a given risk as to the likelihood that a loss will occur. Any factor that causes a greater likelihood of loss should theoretically be charged a higher rate. This basic principle of insurance must be followed if insurance companies are to remain solvent.[citation needed] Thus, "discrimination" against (i.e., negative differential treatment of) potential insureds in the risk evaluation and premium-setting process is a necessary by-product of the fundamentals of insurance underwriting. For instance, insurers charge older people significantly higher premiums than they charge younger people for term life insurance. Older people are thus treated differently than younger people (i.e., a distinction is made, discrimination occurs). The rationale for the differential treatment goes to the heart of the risk a life insurer takes: Old people are likely to die sooner than young people, so the risk of loss (the insured's death) is greater in any given period of time and therefore the risk premium must be higher to cover the greater risk. However, treating insureds differently when there is no actuarially sound reason for doing so is unlawful discrimination.
What is often missing from the debate is that prohibiting the use of legitimate, actuarially sound factors means that an insufficient amount is being charged for a given risk, and there is thus a deficit in the system.[citation needed] The failure to address the deficit may mean insolvency and hardship for all of a company's insureds.[citation needed] The options for addressing the deficit seem to be the following: Charge the deficit to the other policyholders or charge it to the government (i.e., externalize outside of the company to society at large).
Insurance patents
New assurance products can now be protected from copying with a business method patent in the United States.
A recent example of a new insurance product that is patented is Usage Based auto insurance. Early versions were independently invented and patented by a major U.S. auto insurance company, Progressive Auto Insurance (U.S. Patent 5,797,134) and a Spanish independent inventor, Salvador Minguijon Perez ( EP patent 0700009 ).
Many independent inventors are in favor of patenting new insurance products since it gives them protection from big companies when they bring their new insurance products to market. Independent inventors account for 70% of the new U.S. patent applications in this area.
Many insurance executives are opposed to patenting insurance products because it creates a new risk for them. The Hartford insurance company, for example, recently had to pay $80 million to an independent inventor, Bancorp Services, in order to settle a patent infringement and theft of trade secret lawsuit for a type of corporate owned life insurance product invented and patented by Bancorp.
There are currently about 150 new patent applications on insurance inventions filed per year in the United States. The rate at which patents have issued has steadily risen from 15 in 2002 to 44 in 2006.[37]
Inventors can now have their insurance U.S. patent applications reviewed by the public in the Peer to Patent program.[38] The first insurance patent application to be posted was US2009005522 “Risk assessment company”. It was posted on March 6, 2009. This patent application describes a method for increasing the ease of changing insurance companies.
The insurance industry and rent seeking
Certain insurance products and practices have been described as rent seeking by critics.[citation needed] That is, some insurance products or practices are useful primarily because of legal benefits, such as reducing taxes, as opposed to providing protection against risks of adverse events. Under United States tax law, for example, most owners of variable annuities and variable life insurance can invest their premium payments in the stock market and defer or eliminate paying any taxes on their investments until withdrawals are made. Sometimes this tax deferral is the only reason people use these products.[citation needed] Another example is the legal infrastructure which allows life insurance to be held in an irrevocable trust which is used to pay an estate tax while the proceeds themselves are immune from the estate tax.
Muslim scholars have varying opinions about insurance. Insurance policies that earn interest are generally considered to be a form of riba[27] (usury) and some consider even policies that do not earn interest to be a form of gharar (speculation). Some argue that gharar is not present due to the actuarial science behind the underwriting.[28]
Jewish rabbinical scholars also have expressed reservations regarding insurance as an avoidance of God's will but most find it acceptable in moderation.[29]
Some Christians believe insurance represents a lack of faith[30] and there is a long history of resistance to commercial insurance in Anabaptist communities (Mennonites, Amish, Hutterites, Brethren in Christ) but many participate in community-based self-insurance programs that spread risk within their communities.
Insurance insulates too much
By creating a "security blanket" for its insureds, an insurance company may inadvertently find that its insureds may not be as risk-averse as they might otherwise be (since, by definition, the insured has transferred the risk to the insurer), a concept known as moral hazard. To reduce their own financial exposure, insurance companies have contractual clauses that mitigate their obligation to provide coverage if the insured engages in behavior that grossly magnifies their risk of loss or liability.[citation needed]
For example, life insurance companies may require higher premiums or deny coverage altogether to people who work in hazardous occupations or engage in dangerous sports. Liability insurance providers do not provide coverage for liability arising from intentional torts committed by or at the direction of the insured. Even if a provider were so irrational as to want to provide such coverage, it is against the public policy of most countries to allow such insurance to exist, and thus it is usually illegal.
Complexity of insurance policy contracts
Insurance policies can be complex and some policyholders may not understand all the fees and coverages included in a policy. As a result, people may buy policies on unfavorable terms. In response to these issues, many countries have enacted detailed statutory and regulatory regimes governing every aspect of the insurance business, including minimum standards for policies and the ways in which they may be advertised and sold.
For example, most insurance policies in the English language today have been carefully drafted in plain English; the industry learned the hard way that many courts will not enforce policies against insureds when the judges themselves cannot understand what the policies are saying. Typically, courts construe ambiguities in insurance policies against the insurance company and in favor of coverage under the policy.
Many institutional insurance purchasers buy insurance through an insurance broker. While on the surface it appears the broker represents the buyer (not the insurance company), and typically counsels the buyer on appropriate coverage and policy limitations, it should be noted that in the vast majority of cases a broker's compensation comes in the form of a commission as a percentage of the insurance premium, creating a conflict of interest in that the broker's financial interest is tilted towards encouraging an insured to purchase more insurance than might be necessary at a higher price. A broker generally holds contracts with many insurers, thereby allowing the broker to "shop" the market for the best rates and coverage possible.
Insurance may also be purchased through an agent. Unlike a broker, who represents the policyholder, an agent represents the insurance company from whom the policyholder buys. An agent can represent more than one company.
An independent insurance consultant advises insureds on a fee-for-service retainer, similar to an attorney, and thus offers completely independent advice, free of the financial conflict of interest of brokers and/or agents. However, such a consultant must still work through brokers and/or agents in order to secure coverage for their clients.
Redlining
Redlining is the practice of denying insurance coverage in specific geographic areas, supposedly because of a high likelihood of loss, while the alleged motivation is unlawful discrimination. Racial profiling or redlining has a long history in the property insurance industry in the United States. From a review of industry underwriting and marketing materials, court documents, and research by government agencies, industry and community groups, and academics, it is clear that race has long affected and continues to affect the policies and practices of the insurance industry.[34]
In July, 2007, The Federal Trade Commission released a report presenting the results of a study concerning credit-based insurance scores and automobile insurance. The study found that these scores are effective predictors of the claims that consumers will file.[35]
All states have provisions in their rate regulation laws or in their fair trade practice acts that prohibit unfair discrimination, often called redlining, in setting rates and making insurance available.[36]
In determining premiums and premium rate structures, insurers consider quantifiable factors, including location, credit scores, gender, occupation, marital status, and education level. However, the use of such factors is often considered to be unfair or unlawfully discriminatory, and the reaction against this practice has in some instances led to political disputes about the ways in which insurers determine premiums and regulatory intervention to limit the factors used.
An insurance underwriter's job is to evaluate a given risk as to the likelihood that a loss will occur. Any factor that causes a greater likelihood of loss should theoretically be charged a higher rate. This basic principle of insurance must be followed if insurance companies are to remain solvent.[citation needed] Thus, "discrimination" against (i.e., negative differential treatment of) potential insureds in the risk evaluation and premium-setting process is a necessary by-product of the fundamentals of insurance underwriting. For instance, insurers charge older people significantly higher premiums than they charge younger people for term life insurance. Older people are thus treated differently than younger people (i.e., a distinction is made, discrimination occurs). The rationale for the differential treatment goes to the heart of the risk a life insurer takes: Old people are likely to die sooner than young people, so the risk of loss (the insured's death) is greater in any given period of time and therefore the risk premium must be higher to cover the greater risk. However, treating insureds differently when there is no actuarially sound reason for doing so is unlawful discrimination.
What is often missing from the debate is that prohibiting the use of legitimate, actuarially sound factors means that an insufficient amount is being charged for a given risk, and there is thus a deficit in the system.[citation needed] The failure to address the deficit may mean insolvency and hardship for all of a company's insureds.[citation needed] The options for addressing the deficit seem to be the following: Charge the deficit to the other policyholders or charge it to the government (i.e., externalize outside of the company to society at large).
Insurance patents
New assurance products can now be protected from copying with a business method patent in the United States.
A recent example of a new insurance product that is patented is Usage Based auto insurance. Early versions were independently invented and patented by a major U.S. auto insurance company, Progressive Auto Insurance (U.S. Patent 5,797,134) and a Spanish independent inventor, Salvador Minguijon Perez ( EP patent 0700009 ).
Many independent inventors are in favor of patenting new insurance products since it gives them protection from big companies when they bring their new insurance products to market. Independent inventors account for 70% of the new U.S. patent applications in this area.
Many insurance executives are opposed to patenting insurance products because it creates a new risk for them. The Hartford insurance company, for example, recently had to pay $80 million to an independent inventor, Bancorp Services, in order to settle a patent infringement and theft of trade secret lawsuit for a type of corporate owned life insurance product invented and patented by Bancorp.
There are currently about 150 new patent applications on insurance inventions filed per year in the United States. The rate at which patents have issued has steadily risen from 15 in 2002 to 44 in 2006.[37]
Inventors can now have their insurance U.S. patent applications reviewed by the public in the Peer to Patent program.[38] The first insurance patent application to be posted was US2009005522 “Risk assessment company”. It was posted on March 6, 2009. This patent application describes a method for increasing the ease of changing insurance companies.
The insurance industry and rent seeking
Certain insurance products and practices have been described as rent seeking by critics.[citation needed] That is, some insurance products or practices are useful primarily because of legal benefits, such as reducing taxes, as opposed to providing protection against risks of adverse events. Under United States tax law, for example, most owners of variable annuities and variable life insurance can invest their premium payments in the stock market and defer or eliminate paying any taxes on their investments until withdrawals are made. Sometimes this tax deferral is the only reason people use these products.[citation needed] Another example is the legal infrastructure which allows life insurance to be held in an irrevocable trust which is used to pay an estate tax while the proceeds themselves are immune from the estate tax.
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