Finding the Best State Farm Insurance in Independence, MO

State Farm is one of the largest and most trusted insurance providers in Independence, MO. They offer a wide range of insurance policies for individuals, families, and businesses. This guide examines State Farm insurance options in Independence, provides tips for getting quotes and discounts, and highlights top local State Farm agents to contact.

Overview of State Farm Insurance Products in Independence

State Farm provides all types of standard insurance coverage for residents and businesses in Independence, including:

Auto Insurance – Liability, collision, comprehensive, uninsured motorist, rental reimbursement, rideshare coverage, and more.

Homeowners Insurance – Protection for your home, personal belongings, loss of use, personal liability, and more.

Renters Insurance – Covers your belongings when renting, including personal property away from home, loss of use, liability, and additional living expenses.

Condo Insurance – Similar to homeowners but designed for condos, covering personal property, loss assessment coverage, loss of use, liability, etc.

Life Insurance – Options like term life, whole life, and universal life to protect your family.

Business Insurance – General liability, professional liability, workers’ compensation, commercial auto, business interruption, and more.

Health Insurance – Major medical, supplemental health plans, disability income, and Medicare supplement options.

Annuities – Tax-deferred and immediate annuity investments to turn savings into lifetime income.

Banking – Checking accounts, savings accounts, CDs, credit cards, and more through their U.S. Bank alliance.

No matter what insurance needs you have, State Farm likely offers an affordable policy option to protect you.

How to Get State Farm Insurance Quotes in Independence

State Farm makes it quick and easy to get personalized insurance quotes in Independence:

Online – Visit StateFarm.com and enter your basic details to immediately get quotes online.

Agent – Find a local State Farm agent in Independence to get quotes.

Phone – Call 1-800-STATE-FARM to speak with an agent and receive quotes over the phone.

In person – Visit a Independence State Farm agent office to meet with an agent and get quotes.

State Farm provides obligation-free quotes to help you make an informed decision. Comparing quotes is the best way to find affordable insurance rates.

Discounts on State Farm Insurance in Independence

State Farm offers many discounts that can lower your insurance premiums in Independence:

• Multi-policy discount – Save up to 17% by bundling auto with home, renters, condo, or life insurance.
• Multi-car discount – Insure multiple cars on one policy.
• Driver training discounts – Savings for taking defensive driver training.
• Good student discount – Up to 25% off for full-time students under 25 maintaining at least a B average.
• Anti-theft device discounts – Cars with anti-theft systems can save up to 15%.
• New car discount – Savings for newer model year vehicles.
• Accident free discount – Maintaining a clean driving record saves you money.
• Good payer discount – Save up to $50 for consistently paying your premiums on time.

Ask your State Farm agent in Independence about other available discounts to maximize your savings. Discounts help offset the costs of important insurance protection.

Top State Farm Agents in Independence, MO

State Farm has many local agents throughout Independence available to serve your insurance needs:

Blake Roberson

16726 E 40 Highway, Independence, MO 64055
(816) 478-1600

Blake has over 35 years of insurance experience. He and his team offer auto, home, life, business, and specialty insurance products.

Larry Hawk

4401 Noland Road, Independence, MO 64055
(816) 373-7000

Larry has been a State Farm agent since 1977. He provides personalized service and competitive rates.

Brad Wilkins

3800 Elizabeth St Ste J, Independence, MO 64057
(816) 795-1130

Brad and his team handle insurance for auto, home, renters, business, health, and life.

Scott Davidson

2411 S State Route 291 Ste L, Independence, MO 64057
(816) 373-0434

Scott offers customized insurance solutions for auto, home, life, health, and more.

Contact a local State Farm agent for personalized guidance finding the right insurance at the right price in Independence.

Bundling Home & Auto Insurance with State Farm

One great way to save money on insurance with State Farm in Independence is bundling your auto and homeowners policies. State Farm offers attractive bundling discounts, which can save you up to 17% when you insure both your home and vehicles with them.

Even if State Farm isn’t the cheapest for one policy alone, the multi-policy discount can make them the most affordable when you add up your total home and auto premiums. Be sure to get bundled quotes from an agent.

Why Choose State Farm Insurance in Independence?

There are many reasons State Farm is a top insurance choice in Independence, including:

• Local agents – Get personalized guidance from agents in your community.

• Strong financial ratings – State Farm has high financial strength ratings from AM Best (A++) and Standard & Poor’s.

• National presence – Nearly 19,000 agents across the U.S. provide local service.

• Range of discounts – Numerous discounts help State Farm policyholders save.

• Bundling options – Insuring your home and car together can maximize savings.

• Policy variety – A wide range of insurance products under one roof.

• Top-rated claims service – State Farm has a reputation for excellent claims experiences.

• Easy quotes – Get quotes quickly online, by phone, or through a local agent.

No matter what insurance you need, a State Farm agent in Independence makes it easy to get covered with great rates and service.

Understanding State Farm Health Insurance Options

In addition to standard property and casualty insurance, State Farm agents in Independence also offer various health insurance solutions:

Major medical – Major medical insurance pays for doctor visits, hospitalizations, prescriptions, and other healthcare expenses. Deductibles and copays apply.

Supplemental plans – Supplemental health insurance pays cash benefits for unexpected medical costs like hospital stays. It supplements your major medical coverage.

Disability income – Disability income insurance provides cash benefits that replace lost income if injury or illness prevents you from working.

Long-term care – Long-term care insurance pays for extended custodial or nursing home care not covered by Medicare.

Medicare supplement – Helps pay Medicare out-of-pocket costs like copays, coinsurance and deductibles.

If you need individual health insurance or want to supplement existing coverage, a State Farm agent can explain your options.

Understanding State Farm Life Insurance

Life insurance is important for providing financial security for dependents if the unexpected occurs. State Farm agents in Independence offer several life insurance choices:

Term life – Provides affordable death benefit protection for a set period like 10 or 20 years.

Whole life – Provides lifelong coverage and builds cash value that grows tax-deferred. Premiums are generally higher.

Universal life – Allows flexible premiums and adjustable death benefit amounts to fit changing needs.

Final expense – Small cash benefit to cover final medical bills, funeral costs and other expenses loved ones may face.

They can advise which type and policy amount meets your family’s needs and budget. Life insurance is an important piece of a sound financial plan.

Top Reasons Independence Homeowners Choose State Farm

When shopping for homeowners insurance in Independence, there are many reasons local homeowners choose State Farm, such as:

• Local agents – Get guidance from agents in your community.

• Competitive rates – State Farm offers some of the lowest rates in Independence.

• Superior financial strength – State Farm has strong financial ratings from rating agencies.

• Bundling discount – Insuring your home and car with State Farm saves you money.

• Replacement cost coverage – Your home is insured for the estimated full cost to rebuild.

• Optional coverages – You can add coverage for jewelry, firearms, valuable collectibles and more.

• Claim satisfaction – State Farm is known for top-rated claims servicing experiences.

• Easy quotes – Quickly get home insurance quotes online, by phone, or through a local agent.

• Policy discounts – Take advantage of discounts you qualify for to save money.

For your home insurance needs, it’s hard to beat State Farm’s combination of friendly local service, competitive pricing, and robust coverages.

Finding the Best Insurance Rates in Independence

The key to getting the lowest insurance rates is comparing multiple quotes from different providers. Rates can vary by hundreds of dollars between insurance companies for the exact same coverage