Best Auto Insurance
Shopping for a great car insurance company? Nowadays, getting the right policy with the right provider can be a challenge. The best car insurance companies offer plenty of coverage and service options and are known for their great customer service. A good auto insurer will make it easy for you to get a quote, sign up, understand and manage your policy and resolve claims.
Common Questions
What makes a great car insurance company?
Do you want to cut costs by limiting your coverage? Or do you want the best coverage that money can buy? Not every auto insurance company offers the same coverage options.
Not sure what you need? First, find out which coverage options are required by your state. Then, consider your car’s value, the cost of auto repairs, your driving record, and your budget. After weighing all the factors, decide on which coverage options you’d prefer, and choose an insurance company that provides these options.
Which are the largest and most popular car insurance companies?
The largest auto insurance company in the country in terms of market share is State Farm, followed by Geico, Progressive, and Allstate.
What coverage options are available?
The most common coverage types include:
- Collision coverage repairs or replaces your vehicle after an accident.
- Comprehensive coverage repairs your car if it is damaged by a covered cause other than a car accident.
- Bodily injury liability kicks in if you were responsible for an accident. It covers your legal fees and the other person’s medical bills and lost wages (if applicable).
- Property damage liability pays for property damage to the other party if you cause an accident.
- After an accident, Personal Injury Protection (PIP) covers medical bills that exceed your health insurance. Also, it can reimburse you for any lost wages.
- Medical payments coverage is like PIP, but it also covers any passengers in your car and any other family members who drive your car. Plus, medical payments coverage still kicks in even if you’re injured in someone else’s car or as a pedestrian.
- Uninsured/underinsured motorist applies if you’re in an accident with another driver who doesn’t have insurance. This coverage covers your medical bills and, in some states, property damage.
- Guaranteed asset protection kicks in when a car is totaled. It reimburses the owner for the difference between what they still owe on their car and the amount that insurance covers.
- Rental car reimbursement covers the cost of renting a vehicle when yours is being repaired after an accident.
How to get the best deal on car insurance?
Below, we are listing some tips that can help you get the best car insurance quote.
- Lower the risk: If you want to lower your risk, you should ideally drive a car from a low insurance group, be accurate about your mileage, drive safely, and, if possible, smooth out the risk by adding a second driver.
- Lower the price: If you want to get a lower price, you should consider annual over monthly installments and only pay for what you absolutely need. For example, a full coverage policy is not always needed (with all the add-ons) if you have an old car or don’t drive that much. Sometimes it makes sense to buy some coverage, such as roadside assistance, separately. Another way to lower your premiums is to increase your deductible.
- Shop around: The best way to get a good deal on your auto insurance is by shopping around and seeing all of the available options. Many car insurance companies have promotions and discounts for male drivers, juniors, seniors, or drivers with a clean track record.