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?

farm Auto Insurance Cover

Accidents can happen any time, any where even to the best of the drivers. They can be a financial nightmare. To prevent the financial drain, it is always better to have a correct insurance cover for yourself and the vehicle. An accident by itself is a big source of worry about recovery and putting life back on track. An insurance policy at the least takes off the worry of paying hospitalization bills. State Farm Auto insurance covers a wide gamut of accident liabilities to free you off tensions.

Policy Coverage of Farmers Auto Insurance:

Farmers Auto Insurance is a large insurance company. Their auto insurance policy covers a wide variety of problems concerning vehicle such as collision, comprehensive, deductibles and so on.

o A collision coverage policy covers damage to your vehicle, caused by hitting another vehicle or any object. This is the standard policy of coverage when the vehicle is leased or during the loan repayment. The insurance reimburses the amount needed to repair or replace your damaged vehicle. If the collision is due to your fault, then property damage cover reimburses for the damage caused to someone else's property such as car, house or fence etc.

o The comprehensive coverage usually covers fire, riots, storms, earthquakes, floods, falling objects, collision with animals and other natural calamities.

o The deductible car insurance policy requires you to pay a portion of the damages, before reimbursing the total amount. It also offers uninsured motorist coverage insurance, which protects the family members and passengers. In case of an accident with someone who does not have auto insurance or with someone who is insured, it covers both the parties for any injury. This insurance also extends to you and your family members in case you are a victim of hit and run or pedestrian accident. They pay for the medical cost, pain, suffering and lost wages.

Factors Affecting State Farm Auto Insurance Coverage

o Age: You pay more if you are less than 25 years of age. Drivers over the age of 50 with good driving record get a discount.

o Where you drive: City driving and back and forth from work driving insurance is more expensive than inter state driving.

o Driving record: You get cheaper insurance rate if you have had no accidents in last five years.

o Type of vehicle: A new expensive vehicle being paid out through bank or finance company has higher rate of insurance than a second hand or family vehicle.

State farm auto insurance cover is valid anywhere in the USA and Canada, but covers just 25 miles inside the Mexican border. It is non-traditional insurance, meaning that it does not cover properties that traditionally do not fall under typical property items or automobile insurance. These include boats, snowmobiles, personal watercraft and ATV's, while Farmers Auto Insurance and homeowners insurance covers wide range of goods including the non-traditional ones too.

Auto insurance, home insurance or any specialty insurance cover is very important to prevent financial loss in case of any untoward mishap or accident. A little premium takes care of your worries.

Alexander Gordon is a writer for http://www.smallbusinessconsulting.com - The Small Business Consulting Community. Sign-up for the free success steps newsletter and get our booklet valued at $24.95 for free as a special bonus. The newsletter provides daily strategies on starting and significantly growing a business.

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Farm Insurance Agents - Your Long Term Planning Partners

As a farmer you know that being successful is not easy. Over the years (decades) you and your fathers and perhaps grandfathers before you have invested ideas, efforts, money, and your time - your lives really, in making your farm grow. As a farmer you also know that achieving success - sometimes that simply means surviving while others around you fail, is hard, but remaining successful over time is even harder.

I am sure you are not reading it here for the first time, that there is a huge threat facing you, one that stands in the way of where you are now and where you want the family and the farm to be in the future. You know instinctively what that threat is, it is a lack of long term planning. You know from experience, watching what has happened to your neighbors and association members, that there is a direct correlation between long term planning and the likelihood of your family retaining the success everyone has sacrificed to achieve.

I know farm insurance agents who spend countless hours talking with you and your contemporaries about the importance of looking down the road 5, 10, 15, or more years into the future - in order to make clear the importance of acting now to protect what's already been created. The biggest mistake you can make is not listening to them, and continuing to treat the need for long term planning lightly.

Seriously, does it make sense to spend your life building a successful enterprise but fail to invest a few hours in planning its orderly continuation when you leave. And you will leave, one way or another - make no mistake about it.

Farm insurance agents have all the proof anyone should need, based on their experiences and those of their companies when it comes to the relationship between planning for the future starting today or not planning until you get a round to it. They will be able to illustrate to you that failing to plan for the seamless continuation of your farm business can be a very costly mistake. And it is true that some mistakes your farm can absorb and continue to move forward - but the mistake of not planning for the future will absorb the farm itself and all you've worked for.

I know you have things to do and anyway business continuation planning isn't urgent, is it? Can't it wait for a week, or a month, or maybe another year? Don't you take it for granted that you'll still be in control then and will decide later when you'll retire?

Well, think again. You know that it is not unusual to hear about a farmer your age or younger who died unexpectedly. Every month when you receive your association's journal don't you see the name of someone who has died that causes you to remember how young they were and how great they looked - in such obvious good health. And don't even think about your high school class. Every year more people are on the deceased list than the last time you looked and they are your age, people just like you.

Here is something farm insurance agents can tell you about, statistics. I know that statistics don't mean anything unless you're one of the unlucky ones. But ask them anyway. "Based on my age, what are the chances that I will die before retirement? How likely is it that I will be disabled during that time?" And if you are in business with partners, what does that do to the odds?

Only when you know the risks you face can you really determine whether your farm can survive if you don't. When you do not plan and take the actions required of any prudent business owner - you lose control to the fates. Then if you or one or more of your partners is forced out due to death or disability - there could be a very real crisis for personal let alone business survival.

When it comes to finding the right person to handle the insurance needs of your family, farm, or business - farm insurance agents are uniquely qualified to consider the human and business implications that effect you. Their solutions are tailor made to your needs. Visit the http://www.FarmInsuranceAgents.com blog and participate in the discussion.

Individuals and organizations who think strategically, plan comprehensively, and execute flawlessly will almost certainly eclipse those who simply set goals and hope for the best. For well over two decades, Wayne Messick helped successful family businesses develop an atmosphere of shared goals and address the challenges characteristically faced when they are planning for the future of their business - beyond the current managing generation.

He helped them identify what's important to the entire organization and the motivations of each party, uncovering the most urgent and most leverageable issues along the way. His extensive experience and working knowledge of how business people interact with each other allowed him to add value to his client's situation without duplicating the roles played by their managers and advisors.

Just like you, Wayne is concerned about the continuous refinement of his strategies for productivity in these challenging times.

He is the author of dozens of articles for mainstream businesses, emerging professionals and association executives and now in phase III of his career spends hours each week creating articles from his experiences. Visit his web site to explore a half dozen ways to receive them.