Minor Violation and Accident Forgiveness

Accidents happen. Speeding tickets happen. Even to responsible drivers. We think responsible drivers like you deserve a break.

You could avoid an insurance rate increase

Did you know that insurance rates may increase after a fender bender, after rolling through a stop sign or other moving violation?
Our Accident Forgiveness and Minor Violation benefits may help you avoid this and even end up saving you money down the road.

We want to reward you

If you're free of accidents and violations for a period of 35 consecutive months, your first accident and first minor violation may be waived.
Coverage available for new auto policies only. Availability may vary by state.
Not available in the standard offering.

You could avoid an insurance rate increase

- Did you know that insurance rates may increase after a fender bender, after rolling through a stop sign or other moving violation?
- Our Accident Forgiveness and Minor Violation benefits may help you avoid this and even end up saving you money down the road.

We want to reward you

- If you're free of accidents and violations for a period of 35 consecutive months, your first accident and first minor violation may be waived.
- Coverage available for new auto policies only. Availability may vary by state.
- Not available in the standard offering.

Food Industry

Things are just different when your business involves the food people eat. Your insurance should be different, too.

Highly trained experts in food services risk management

Includes coverage specific to risks in the food industry

High-touch, team approach to your insurance needs

Insurance for operations from farm to fork

We've tailored our products to handle unique risks for operations that involve processing, manufacturing and distribution in the food industry.
Things like coverage for spoilage, the expense of a product recall or machinery failures are must-haves for a business dealing with food.

We'll help you manage your risk

It's a team approach to improving your ability to manage risk in your business - State Auto, your agent and you.
We'll review your contingency plan and your key processes to help find areas for improvement.
We'll also help with your hazard analysis and critical control points (HACCP) plan.

Insurance for operations from farm to fork

- We've tailored our products to handle unique risks for operations that involve processing, manufacturing and distribution in the food industry.
- Things like coverage for spoilage, the expense of a product recall or machinery failures are must-haves for a business dealing with food.

We'll help you manage your risk

- It's a team approach to improving your ability to manage risk in your business - State Auto, your agent and you.
- We'll review your contingency plan and your key processes to help find areas for improvement.
- We'll also help with your hazard analysis and critical control points (HACCP) plan.

Roadside Assistance

Your car breaks down. You’re stuck on the side of the road. It’s inconvenient – and dangerous. You need assistance right away.

Roadside Assistance provides towing service to the location of your choice

Wherever your car is disabled, we’ll come to you

We’ll deliver supplies like oil, water and fuel

What’s included with Roadside Assistance

We'll help remove your vehicle from a public road and tow it to wherever you'd like.
Delivery of supplies including oil, water and fuel
Battery jump start
Tire change or inflation
Lockout service up to $100
Available for new auto policies only. Availability may vary by state.

What’s included with Roadside Assistance

- We'll help remove your vehicle from a public road and tow it to wherever you'd like.
- Delivery of supplies including oil, water and fuel
- Battery jump start
- Tire change or inflation
- Lockout service up to $100
- Available for new auto policies only. Availability may vary by state.

Tips for talking with your agent

Ask your agent if Roadside Assistance is available in your state.
Your agent can help you determine what product is best for you. Roadside Assistance is automatically included in our Protection Plus and Premier Auto offerings. And, it's available for purchase in our Standard Auto product.

Find a local Agent

Auto

Our agents’ local knowledge and our extensive coverage options make everything about owning a car easier. (Except parking. Even we can’t help with parking.)

CustomFit: customized coverage, competitive price

Car replacement, glass repair and towing/labor

Coverage for all your car insurance needs

Get insurance for both your car and your home with State Auto to simplify your policies and save money (for homeowners, condo owners and renters).
Add AutoXtended and HomeXtended to increase protection for losses not commonly covered in typical policies.
Get umbrella coverage to avoid gaps in coverage.

You can add replacement cost coverage on your car

Optional coverage for your newly purchased car.
Pays for the cost to replace the car instead of actual cash value in the event of a total loss.
Applies to the first four years of a car's life.

Coverage for all your car insurance needs

- Get insurance for both your car and your home with State Auto to simplify your policies and save money (for homeowners, condo owners and renters).
- Add AutoXtended and HomeXtended to increase protection for losses not commonly covered in typical policies.
- Get umbrella coverage to avoid gaps in coverage.

You can add replacement cost coverage on your car

- Optional coverage for your newly purchased car.
- Pays for the cost to replace the car instead of actual cash value in the event of a total loss.
- Applies to the first four years of a car's life.

Tips for talking with your agent

Let them know if you already have other insurance with us
Have the make, model, vehicle identification number (VIN) and year of your cars ready
Have information for all the drivers in your household
Know how much you typically drive
Have information on your current car and home policies available

Find a local Agent

Fortified Home or Business Discount

If your house or business was built or updated to protect against serious weather like hurricanes, high winds and hail, and meets official FORTIFIED Home™ program standards, you may qualify for this modern, unique discount.

FORTIFIED is an established standard for building homes to protect against severe weather

Reduce the chance of having to rebuild or face major financial loss

Better protect your home, your family and your pets

What is a Fortified Home or Business?

What does FORTIFIED mean? Think roofs, windows, doors, the foundation and more, that are built or updated to meet required, exceptional building standards in order to protect against specific severe weather events.
Who created the FORTIFIED program? Insurance Institute for Business and Home Safety
Why FORTIFIED? Having a FORTIFIED home means you're reducing the chance of having to rebuild or incurring a major financial loss if severe weather would strike. But more importantly, you, your family and your pets will be better protected.

How do I qualify for the Fortified discount?

First, your home or business must be FORTIFIED. The Insurance Institute for Business and Home Safety has a lot of great resources to help you understand their FORTIFIED program and standards. Learn how to have your home or business evaluated to see how you can better protect the things you love.
Then, you can save with us. Once you receive an official certificate to confirm your home or business has been FORTIFIED, submit it to your insurance agent to see how it may help you save on your insurance with us.

What is a Fortified Home or Business?

- What does FORTIFIED mean? Think roofs, windows, doors, the foundation and more, that are built or updated to meet required, exceptional building standards in order to protect against specific severe weather events.
- Who created the FORTIFIED program? Insurance Institute for Business and Home Safety
- Why FORTIFIED? Having a FORTIFIED home means you're reducing the chance of having to rebuild or incurring a major financial loss if severe weather would strike. But more importantly, you, your family and your pets will be better protected.

How do I qualify for the Fortified discount?

- First, your home or business must be FORTIFIED. The Insurance Institute for Business and Home Safety has a lot of great resources to help you understand their FORTIFIED program and standards. Learn how to have your home or business evaluated to see how you can better protect the things you love.
- Then, you can save with us. Once you receive an official certificate to confirm your home or business has been FORTIFIED, submit it to your insurance agent to see how it may help you save on your insurance with us.

Identity Theft

We're all targets. If you're hit, State Auto can help with an Identity Fraud Expense coverage that may be included – or can be added – to your State Auto home insurance policy.

Your fraud specialist is there for you if your identity is stolen.

Identity Fraud Expense coverage can even help you rebuild after a disaster.

Get help protecting your child’s identity – an often overlooked area of vulnerability.

Identity theft recovery services

If you become a victim of identity theft, a fraud specialist will work with you to restore your identity.
The fraud specialist will assist with your credit reports, credit bureaus, bill collectors, government agencies and law enforcement.
They can also help rebuild your identity after a disaster such as a flood, hurricane or tornado.

Identity theft education and prevention

Even if you're not a victim, fraud specialists are available to answer questions.
They're a great resource during major life events that can expose to identity thieves, such as break-ins, marriage or divorce, active military duty or moving to a new home.

Identity fraud expense coverage

State Auto's Identity Fraud Expense coverage can help pay for some of the expenses that result from identity fraud.
You'll have help with expenses like attorney fees, costs to notarize fraud affidavits and send certified mail, and lost income for time off work as you put your life back together.
Coverage and options may vary by state

Identity theft recovery services

- If you become a victim of identity theft, a fraud specialist will work with you to restore your identity.
- The fraud specialist will assist with your credit reports, credit bureaus, bill collectors, government agencies and law enforcement.
- They can also help rebuild your identity after a disaster such as a flood, hurricane or tornado.

Identity theft education and prevention

- Even if you're not a victim, fraud specialists are available to answer questions.
- They're a great resource during major life events that can expose to identity thieves, such as break-ins, marriage or divorce, active military duty or moving to a new home.

Identity fraud expense coverage

- State Auto's Identity Fraud Expense coverage can help pay for some of the expenses that result from identity fraud.
- You'll have help with expenses like attorney fees, costs to notarize fraud affidavits and send certified mail, and lost income for time off work as you put your life back together.
- Coverage and options may vary by state

Minor Violation and Accident Forgiveness

You could avoid an insurance rate increase

We want to reward you

You could avoid an insurance rate increase

We want to reward you

Tips for talking with your agent