The Five Best Auto Insurance Companies

The Five Best Auto Insurance Companies

Shopping

by James S

The Five Best Auto Insurance Companies

The Five Best Auto Insurance Companies

A lot of insurance companies offer what they say is the lowest price out there, and advertising campaigns tell you what you could save with a certain carrier. The cost of your insurance is important, but going by lowest price alone is probably not a good idea. How reputable is the company? How often do people have trouble getting claims paid? What about different types of coverages? These are just a few of the questions you need to ask when shopping for car insurance. Some also offer discounts, like for good students or safe drivers, but look closely at that too and see if it is really a good deal. A good insurance company should have competitive prices, a good history of paying claims, as well as simple, easy to understand, coverages. The five best auto insurance companies include USAA, Progressive, Allstate Insurance, Amica, and State Farm.

A lot of insurance companies offer what they say is the lowest price out there, and advertising campaigns tell you what you could save with a certain carrier… cont. 

The cost of your insurance is important, but going by lowest price alone is probably not a good idea. How reputable is the company? How often do people have trouble getting claims paid? What about different types of coverages? These are just a few of the questions you need to ask when shopping for car insurance. Some also offer discounts, like for good students or safe drivers, but look closely at that too and see if it is really a good deal. A good insurance company should have competitive prices, a good history of paying claims, as well as simple, easy to understand, coverages. The five best auto insurance companies include USAA, Progressive, Allstate Insurance, Amica, and State Farm.

USAA is an insurance or people in the military, so that is a major drawback. But if any member of your immediate family is or was in the military, you can qualify even if you were never in the military. This company is in the middle as far as rates go, but they have excellent customer service ratings. There is little hassle, and claims are paid in a timely manner. Coverage includes a rental car whether you were at fault or not, roadside assistance and if you go five years without being at fault in an accident, your rates won't go up over one accident. Through USAA you can also get discounts on new cars as well as competitively priced loans for cars.

Progressive is at or near the top of a lot of lists of best car insurance companies. It has been around since 1937. They also over RV's and boats. Progressive has a reputation of being an innovator when it comes to car insurance, and they have a very sound financial structure. This is not a company that will disappear. They have a lot of different kinds of coverage, and try to fit coverage to the customer instead of trying to make the customer fit theirs. They offer usage-based insurance plans, which helps them offer more options and makes them better able to fit budgets of everyone. They also have some of the best discounts you will find.

Allstate Insurance has a great reputation for all the things you need in car insurance - pricing and service. Allstate also has physical offices in most cities and that is something that is becoming unique in the car insurance world. You can actually visit someone in person if you have a problem. Allstate has a good accident forgiveness program and a rebate for safe driving - which means no accidents or tickets. They have a solid reputation for paying claims as well. They also have a user-friendly website and you can do everything online if you want. If you don't bundle coverage you might end up with a higher rate than many competitors, is the major drawback.

Amica is perhaps a less well-known company, but gets good ratings in most areas. There are no repair shop restrictions, which means you can get your vehicle repaired wherever you chose. It also offers a higher tier of service where you get identity fraud monitoring, rental coverage, rewards for good driving and coverage for all glass on your car. Amica also offers more options and types of coverage, which can be confusing, but you will have enough options to find exactly what you need. Getting the actual price nailed down has been one complaint, and it takes longer on the phone than it does with many other companies. 

State Farm is the largest ar insurance company in the nation, and there is a reason for that. State Farm has the easiest claims process out there. Customer satisfaction is very high. There are physical buildings with real agents, but there is also an app and a very usable website for all your car insurance needs. It also has an easy to use quote tool on its website. On the downside, it does not have new car replacement coverage available, and it does not have a lot of driver discounts that other companies have,