Response & Repair:  

State Farm Insurance is a giant, spanning two nations and populating them with local agents and representatives in most cities, large and small. With complimentary towing (with distance stipulations) coverage for all auto insurance policyholders, drivers can get their car off the road and into a repair facility quickly and painlessly, with no money down. From there, however, much depends upon the nature of the incident or accident, the involvement of other motorists, pedestrians or property, as well as the location of the vehicle in question and its proximity to a certified estimator. It is here that State Farm loses some points to Progressive, which streamlines the repair process with its "Concierge Level of Claims Service," which takes the onus of estimates and repairs off the policyholder, putting them back on the road with a rental car with only minor interruption to their busy lives and schedules.

Another bone drivers tend to pick with State Farm is its "salvage parts" policy, which uses, when possible, parts from salvaged vehicles as replacement parts for damaged cars. In its defense, these parts do, in fact, have to undergo a process to certify its quality and viability.

Policy Flexibility:  

Though many car insurance companies run the risk of stretching themselves too thin with expanded insurance protection products for life, home, fire and other insurance needs, State Farm Insurance manages to strike a favorable, even enviable balance between the policyholder and the shareholder. What's more, State Farm, with its tens of thousands of agents and representatives nationwide and straightforward, informative website, ensures that drivers get the right amount of insurance, as opposed to more or worse, less than what is adequate.

Benefits & Discounts:  

State Farm offers car insurance policyholders the clearest description of its comparatively-generous benefits. Multiple-vehicle and multiple-policies will result in a discount. As will drivers with established safe driving records. Good students that maintain a "B" average, too, are eligible for a discount. Also, vehicles with safety features like anti-theft devices and other safety features are eligible for a discount.

Like Progressive and a handful of other auto insurance agencies, State Farm offers discounts for car insurance premiums paid in full or paid automatically each month electronically.