Auto Insurance Review

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If you drive a car, you are required to have some form of auto insurance coverage. The trick is finding adequate coverage without overspending. Auto insurance providers are first and foremost a business, but that doesn’t mean you can’t find one that will help you find the right coverage. Our top three companies, State Farm, Geico and Progressive, have slightly different models, but each provides quality customer service, numerous discounts and nationwide coverage. For more information, read our articles on auto insurance.

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Car Insurance: What to Look For

Auto insurance laws differ from state to state. However, across the board you will find that most companies offer the same types of coverage. You can change your policy depending on your needs, however. Do you only want liability insurance? Do you need comprehensive or collision coverage? Would you pay extra for roadside assistance or rental car insurance? These are questions you will need to think about when signing up for new coverage. Most people who look for insurance only seek out the cheapest car insurance quote. Some companies will offer cheaper quotes depending on which services you want, and this will differ depending on what type of driver you are. Your driving habits and demographic will play the biggest role in prices. Before choosing a company solely on price, other factors should be taken into consideration. Customer service is one of the biggest complaints of customers, so it makes sense to pay for a company that takes care of your needs. Is saving a few extra dollars a month worth the hassle of a subpar customer service experience? One of the biggest factors of car insurance is dealing with agents, whether locally face-to-face, over the phone or on the internet. You want a company that makes your auto insurance experience hassle-free.

Customer Service and Claim
Finding insurance to fit your budget is important. But if you pay for cut-rate insurance with poor customer service, dealing with representatives will be a miserable experience. Most companies have agents online, over the phone or at a local office who you can contact. These agents help put your policy together, field any questions you have and handle your insurance claims. The easier the agents make it for you to renew, change and handle your policy, the fewer worries you will have.

How an insurance company handles claims is also important. Car insurance is one of those purchases you make and hope to never think of again until the time to renew comes around. Unfortunately, accidents happen. When they do, you want this already stressful process to go smoothly. The best auto insurance companies are those that handle your claim promptly. Insurance companies are businesses; many will try to maximize their savings instead of yours. Most of the top car insurance companies will work with you to find a fair and fast solution for your car repairs or replacement.

Available Discounts
Discounts are where you make the biggest dent in your quotes. Most auto insurance providers offer a variety of discounts you can add to your policy. Some give you savings by bundling your auto insurance with other lines of insurance. If you have multiple cars under one policy, you may be entitled to a discount. Better drivers and students with good grades also get discounts. Most providers offer these discounts. A few offer further discounts if other special conditions are met. When looking for new insurance, it is important to shop around because quotes will vary for each situation. Working with an agent can make this easier.

Available Coverage
Most insurance providers are required to offer liability coverage, and in most states this is the minimum coverage you are required to have. This protects other drivers in case you are at fault for an accident. Other coverage options you may be interested in are collision, comprehensive, underinsured motorist, rental reimbursement and emergency roadside service.

Quote Options & Management
Finding a quote will be the first step in auto insurance shopping. Most providers have you enter your information on their website to get an online quote. Very few will give you comparison quotes to other companies. You can also get quotes over the phone sometimes, and the best companies have 24/7 phone service. Some of the best car insurance providers also have agents in local offices across the nation that you can get a quote from. For the truly mobile, some insurance apps can provide quote information as well.

What insurance company is best for you? It depends. Do you want a local agent to deal with, or are you more inclined to go with a direct-sales company that may save you more money? Are you okay with just liability coverage? Is the extra protection of collision and comprehensive coverage worth it? What discounts do you qualify for? These are important questions that will narrow down the best auto insurance company for your situation.

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Rank #1#2#3#4#5#6#7#8#9#10
10-9  Excellent
8-6    Good
5-4    Average
3-2    Poor
1-0    Bad
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State Farm GEICO Progressive USAA Allstate AAA Esurance Nationwide Liberty Mutual Farmers Insurance
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Ratings
9.45
9.43
9.10
8.95
8.73
8.30
7.78
7.78
7.60
7.55
10
9
8
7
6
5
4
3
2
1
9.75
8.50
10.00
9.63
9.25
9.28
10.00
9.63
8.13
9.75
10.00
10.00
9.70
7.13
10.00
8.63
8.00
8.75
10.00
9.63
8.75
7.13
10.00
7.25
6.88
7.50
10.00
8.75
6.88
7.50
10.00
8.63
5.88
8.75
9.75
8.75
6.05
7.50
10.00
9.63
 
Quote Prices
Male 16-Year-Old Driver* N/A** $76.90/month $241.05/month N/A*** $144/month $142.67/month $226.58/month $240/month $158/month $158/month
Male 29-Year-Old-Driver* N/A** $51.44/month $48.18/month N/A*** $58/month $83.67/month $51.98/month $59.79/month $53/month $48.93/month
Customer Service
Claims Satisfaction 85% 90% 55% 90% 60% 80% 55% 65% 50% 45%
Customer Service Score 80% 85% 75% 95% 75% 70% 40% 65% 50% 55%
Area Representative/Local Offices/Local Agent
Phone (24/7)
 
Online
  
Email
Social Media
Claims Reporting
24/7 Claims
Telephone
Online
App
 
Local Agent Office
 
  
Available Discounts
Good Driver
Good Student
Multiple-Vehicle
Multiple-Line
Anti-Theft Device
Advanced Safety Features
Automatic Payment
Full Payment
Occupational
 
Corporate Affiliate
Loyalty
 
Paperless Billing
 
Accident Forgiveness
  
 
New Customer
 
 
Installed Monitoring Device
 
 
   
 
Low-Mileage
 
College Affiliate  
     
 
Vanishing Deductible     
  
  
Non-Drinker Discount   
       
Available Coverage
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection
Collision
Comprehensive
Uninsured Motorist
Underinsured Motorist
Rental Reimbursement
 
Emergency Roadside Service
Quote Options & Management
Online
Telephone
24/7 Telephone Quotes
  
Licensed Area Agent/Representative
 
  
App
 
Comparison Quotes   
   
   
*Quote prices based on control groups with Utah addresses. Quotes will vary from state to state and person to person. Quotes based on 300/100/100 bodily liability injury.
**State Farm requires a Social Security number to access an online quote.
***Must be a member of a military branch to receive a USAA quote.