For many of us, taking out an auto insurance policy is something we may overlook, simply adding it to the bottom of our to-do list, before picking the easiest – and often cheapest – option.
However, by taking just a little more time and effort, you can grab yourself a bargain while also saving cash.
Read on to discover a list of top contenders in the world of auto insurance, as well as the best hints and tips for tailoring your policy, and grab yourself a deal today.
What are the best auto insurance companies?
It’s a big and rapidly changing market, but there are some serious contenders for the top spot. Here is a roundup of the top ten insurance companies to help you make your choice.
Liberty Mutual Insurance – Best Value
At Liberty Mutual Insurance, the focus is on adding extra value to a standard policy. With features such as a new or better car replacement, as well as accident forgiveness where appropriate, you are in a position to grab a great deal.
There is even the added bonus of being able to access the claims service 24 hours a day, ensuring that you are always able to contact an agent in the event of an incident, no matter what time of day or night.
Allstate Insurance – Accident Forgiveness and Bundling
Are you on the hunt for a bargain or desperate to bag a discount? Allstate Insurance provides the ideal solution.
They are adept at spotting opportunities to bundle together multiple essentials and provide fantastic discounts as a result. Like State Farm, they also have a unique combination of physical offices and a strong online presence, ensuring the best of both worlds for all types of customer.
As an added bonus, they have an excellent reputation for customer service, so you can expect a positive experience.
MetroMile has taken a unique approach to their policies. Instead of judging you on averages, they actually charge your for insurance based on how much you drive.
The way it works is you pay a base rate and then they charge you a few cents per mile that you drive. This is a great option for people who need car insurance coverage but only drive in limited amounts.
Esurance – Compare Multiple Companies
Looking for total freedom and flexibility in your plan? Esurance is an ideal choice! No two individuals are the same, and the needs and preferences of each unique driver will differ.
Esurance allows you to build a fully customized plan, purchase at your leisure, and start your coverage immediately, all from the comfort of your home. This is ideal for busy customers who like to be treated as individuals.
USAA – Best for Military
If you are looking for top quality customer service, USAA should be your first port of call. Regularly topping customer satisfaction surveys, they have developed an excellent reputation in the industry for providing the highest levels of service, both during the purchasing process and at every stage of a claim.
The only downside is that their policies are restricted to members of the US military and their families; if this isn’t you, unfortunately, you will not qualify.
Set up an account with USAA>>
GEICO – 15 Minutes to Save
GEICO is a widely recognized company with a solid and established reputation. One of their key benefits is ease of use; most functions can be performed online, making it more efficient for the customer.
Tasks such as obtaining a quote, submitting a claim, or making a payment can all be performed on the site or the mobile app, a definite bonus in today’s tech-focused world.
In addition, GEICO can offer a range of benefits to make your life easier, from emergency roadside assistance for those “oh no, not now!” moments to at-home breakdown coverage, ensuring you are prepared for every eventuality.
State Farm Insurance
Sometimes the strength of the past is all the confirmation you need; State Farm have an impressive résumé behind them and a solid history of customer satisfaction and reliability.
They are also fairly unique in maintaining their physical office space; this adds a personal touch and allows agents to make you fully aware of any potential discounts, ensuring that you are getting the best possible deal. Even better, they also offer a strong web presence and mobile app.
This is truly a company that puts the customer at the forefront.
A combination of traditional knowledge and modern technology, The Hartford is renowned for its excellent levels of customer service, including access to an agent twenty-four hours a day, seven days a week.
They reward loyal customers, so you can rest assured that continued service will secure you great discounts and a guaranteed renewal on your policy.
Top of the list for competitive pricing, claims handling and a host of lucrative discounts such as multi-vehicle and multi-policy discounts, Progressive Insurance also boast a strong repeat customer base and a solid reputation.
There is also the option to add a variety of benefits tailored to your lifestyle, such as motorcycle insurance. This is a company which is – justifiably – confident in their product and which is acting at the top of their game.
There is a whiff of the underdog about Auto-Owners Insurance, as they are perhaps less well-known than their competitors. When it comes to customer service, however, they are ahead of the pack with myriad five-star ratings.
A touch of the personal is also a priority, with individually allocated agents for each customer, who put your needs at the heart of their service.
They say that comparison is the thief of joy, but it can also be the gateway to a great deal. QuoteWizard has the proud reputation of being the USA’s largest independent comparison site and is a valuable resource in finding the best deal for your auto policy, potentially saving you time and money with minimal effort on your part.
Easy and clear to use, this should be your first stop when hunting for the best deal.
Things to consider
When selecting the best US car insurance companies, there are a number of factors to take into account depending on your individual needs. What make and year is your car? What is your engine size? Where do you do most of your driving? Do you really need full coverage? Are you eligible for any discounts? Make sure you do your homework ahead of purchasing your policy to ensure peace of mind as well as a great rate!
Choosing the right amount of coverage
Picking the best auto insurance company is only part of the battle; the next step is to make sure that you aren’t paying for too much or too little coverage. Getting the balance right can be tricky, as policies with full coverage can be more expensive but potentially offer a better deal in the long run.
Make sure that your policy covers everything you require, and take the time to look at the details. What may seem like a cheap deal initially could prove an expensive mistake should an incident occur, and you’ll be forced to pay over the odds when your claim exceeds your premium. Likewise, there is little point in paying more for the policy than the value of the vehicle; make sure you do your math.
How to choose limits
Choosing your car insurance coverage is a balancing act, but one in which it is better to be generous than stingy. It is a simple equation: the more extensive your coverage, the more expensive the policy. However, it also means you are more protected should you need to file a claim, and you can’t put a price on peace of mind.
How to get the lowest rates on car insurance
It is well worth taking the time to research discounts when shopping for your auto policy. Different insurance companies can offer benefits such as a safe driver discount, where your premium will reduce if you are claim-free for a number of years. You may also qualify for a discount if you have multiple policies with the company, e.g., for vehicles, home, and life insurance.
A low mileage discount may be available if you don’t drive a great distance each year, and many companies can offer a good deal if you pay for your policy in full, as opposed to spreading the cost with monthly payments. Your car type can also give you a discount; whilst newer cars typically attract higher policy costs, modern safety features such as an anti-theft system and anti-lock brakes can slash the amount you pay, as they are considered safer and more difficult for thieves to steal.
Turn the renewal of your auto insurance from a tedious chore to a money-saving exercise by taking a little time and research to ensure you get the very best deal. Whether you are looking for low cost and low coverage or a comprehensive policy which offers a family discount, there are a range of options which can be tailored to suit your auto requirements.
Being smart about selecting your coverage level can save you money in the long term, and a good company will have knowledgeable agents to make you fully aware of possible discounts and make sure you get the best possible deal. Take advantage of all the car insurance reviews and bag yourself a bargain!