Of course you want to save money on auto insurance. It's important to balance that by thinking about what might happen in case of an accident. When you're setting coverage levels, remember that paying a higher premium may help better with accident related expenses. If you want your premiums to be lower, you may need to pay more out of pocket when there's an accident.

Factors that affect the price

A lot goes into determining your auto insurance price, including things like the type of vehicle you drive, where you live, how much you drive, and your driving record as well as the coverages, deductibles and limits you select. Your age, gender, and marital status may also be factors that affect price.

Saving money on auto insurance

Choosing the right coverages and deductibles can make a big difference in the price of your auto insurance. State Farm agents are a great resource to help you find the right balance between coverage and price. State Farm also offers a variety of discounts to help you save money.

Wondering what happens in case of an accident? First, you'll report a claim - online, with your Pocket Agent® mobile app, or through your agent. If there's damage to your vehicle, you can choose your own repair shop or one of our Select Service^™ facilities, which provide great repairs and guaranteed completion dates. Then, subject to the terms and conditions of your policy, we'll pay for the damages.

Do you own a classic car? We can help give it the protection it deserves with specialized antique car insurance. Find an agent to get an auto insurance quote or learn more.

There are many things to consider when you have a new teen driver in your household. Your State Farm agent is there to help explain the impact on your insurance and to meet with your new driver. Although premiums typically increase when a teenager is added to your policy, you can save money if your child completes the Steer Clear® Safe Driving Program (available in Ontario only), completes a ministry approved beginner driver education course or qualifies for the Good Student Discount. You might also want to think about a personal liability umbrella policy (PLUP), which provides an additional layer of protection.

State Farm is committed to promoting the safety of our teen drivers. Visit the State Farm® Teen Driver Safety Website for tools, tips, and resources to help teens and their parents throughout the learning-to-drive process.

If you're shopping for a new car, remember that your premium is affected by factors like the vehicle safety rating, and any special features such as anti-theft devices. Get an auto insurance quote now to get an idea of how much you'll pay. If you've already bought a car, get a quote online now or find an agent. Already a State Farm customer? Talk to your agent to find out what your new premium would be.

Of course, insurance isn't your top priority when you're newly married, but now is a great time to combine policies with State Farm. Combining policies typically lowers your cost, simplifies your insurance billing, and may help you qualify for additional discounts. This is also a good time for a broader conversation with your agent to discuss all of your insurance and financial needs.

If you're staying in the same province, you can simply update your current policy with the new address. If moving out of province, you'll need a new policy because each province regulates insurance and discounts differently. Your current State Farm agent can help with your transfer. Get more moving resources

Your premium may change, depending on whether your child drives the car at school or leaves it at home. Don't forget about the Good Student Discount, which can apply up to age 25 if your child meets all of the qualifications. Work through the details by talking to your State Farm agent. Find an agent

Things change, and you may need to increase your level of protection or lower your premium. That's why we make it easy for you to add or remove coverages, or change coverage limits or deductibles after you've gotten a policy. You can always turn to your agent for helpful and friendly advice. Or, log in and make changes online.