Cars can be dangerous, so it’s important that you feel protected when you’re behind the wheel.
Having car insurance will give you peace of mind in the event you’re involved in a car accident. In this article, we’re exploring the best car insurance companies in the United States, and how to decipher which one is right for you. Before we begin, we’ve created some tips and advice on narrowing down your search.
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Questions to Ask Yourself Before Beginning Your Search
Before looking into the best car insurance companies, you want to ensure that you’re asking yourself appropriate questions before researching. Instead of walking into the process blindly, here are some questions to help you find the best car insurance companies for your lifestyle.
1. What Level of Coverage Are You Looking For?
There are many different coverages available with car insurance companies. Sometimes it can be intimidating to sift through the numerous policies and add-ons. One of the most popular coverages in recent years are protection against uninsured motorists. This ensures that the insurance company will pay for damages in the event that you’re involved in an accident with uninsured motorists.
Also, another popular coverage is Personal Injury Protection. This involves the insurance company covering any medical expenses or loss of income due to an incident. Also, if you’re injured whilst traveling in someone else’s car, the insurance company will cover any damages and costs. It’s important to consider if your policy covers this, as more than anything, your health and wellbeing is important. Another coverage is gap protection. This is especially necessary if you own an expensive car, as it ensures you get the full amount of money that your car is worth.
Finally, some of the best car insurance companies offer added benefits, discounts and savings. For example, if you stick with an insurance company for a certain amount of time, you’ll receive a discount for the next year. Also, many companies provide special privileges for people with certain lifestyles, or even those who are a part of the military.
2. What Payment Options Do I Have?
The best car insurance companies provide multiple ways of paying for your policy. However, there are some which don’t have many options. How would you prefer to manage your finances? Would you like to pay monthly for a more manageable way of paying? If you are looking for this option, look into if there are any penalties to do so. For example, will you have to pay additional fees to do this? Many people can afford car insurance, but paying it all in one go means that you have to compensate other areas of your life. Those car insurance companies which offer yearly payment options tend to offer a discount for a one-time payment.
3. How Can I Put in a Claim?
Another question to ask yourself is how easy it is to put in a claim, including how you go about this. The best car insurance companies offer a 24/7 service with an array of methods to contact them. Being involved in a car collision is stressful. Therefore, having an insurance company look after you and handle the complicated tasks can reduce the pressure and take the strain off of you. Also, some car insurance companies tend to offer just an online service, so consider if this is something you’d be happy with or not.
Furthermore, we highly recommend looking at customer reviews to see how long it typically takes to file a claim. The last thing you want is to invest in a poorly managed car insurance company which takes months to process a claim. A speedy and effective company which handles all of the delicate materials to make your life much easier.
Things to Consider Before Beginning Your Search
After you’ve answered the above questions, there are a few additional factors to consider before beginning your search.
1. The Price for Coverage
Having a budget ensures that you can limit your options when looking for the best car insurance companies. There are many different price points, and this all depends on how much you want to spend. Typically, the best car insurance companies offer numerous coverage packages. Standard policies cover your vehicle against any damage involved in an accident. However, if you are willing to increase your budget, then you can also purchase add-ons if they suit your lifestyle and preferences.
Also, a more expensive price tends to represent that a company has won awards and only hires expert staff. If you have a smaller budget, it might be worth looking into independent agents. However, if you tend to spend a lot of time driving, it’s worth investing in a highly respected car insurance company.
2. The History and Reputation of The Company
Before opting for a car insurance company just because your friends use them. Instead, look into the background and reputation of the car insurance company. Consider how long they’ve been in business, as this is an indication of how successful they are and the level to which they’ll help their customers. Also, bear in mind where they’re based. You don’t want an overseas company which is difficult to get into touch with.
Furthermore, look at their mission, vision and values. For example, what is their ethos? It’ll be complicated to find a car insurance company which hasn’t received any negative reviews. However, consider how significant their factors are to you.
3. The Customer Service
Customer service is extremely important in an insurance company. You’ll likely not be in contact with your chosen company unless you’ve been involved in an incident and need their assistance. However, it’s still important that you’re treated with respect and made to feel important. For example, are the staff polite and professional on the phone/via e-mail? We recommend looking at the insurance’s website to see how you could get in contact with them if you needed to get in touch. Is there a contact form? Do you need to phone? Or do they typically want you to communicate via e-mail?
For some people, they prefer handling correspondence online, whilst others like to have their insurance company in the same state of them. Consider what factors are important to you.
The Best Car Insurance Companies to Choose From
There are many things to consider and ask yourself before looking into the best car insurance companies. Once you’ve answered the above questions and taken these factors into consideration, you’re ready to begin your search.
Before signing up for a car insurance company, ensure that you properly read your policy and the terms and conditions. Some won’t allow you to terminate the contract until the end date. However, others offer alternative benefits. Bear these in mind and make a choice which is right for you and your family.
We’ve scoured the Internet for the best car insurance companies which offer an exceptional service. We appreciate that not everyone is looking for the same features, so we’ve tried to provide a large choice for everyone. Take a look at our options, and don’t forget to share your feedback in the comments.
1. The Hartford
If you’re searching for the best car insurance companies, then we highly recommend that you look into The Hartford. Specializing in an array of categories, then cover car, home and more types of insurances. They work hard every day to help people adjust and get through challenges in their lives. Also, they have a positive culture within their work environment which ensures that employees are respectfully treated and so love what they do. Since 1984, The Hartford has welcomed around 40 million members. By switching to this car insurance company, you’ll experience much more value for your money, as well as additional benefits.
With so many savings and benefits on offer for customers, there are numerous reasons to switch your car insurance policy to The Hartford. Setting up and going through the application process is quick and easy too. This car insurance company appreciates that every customer has different needs, so they offer an array of additional features. For example, the Assistance after an Accident program covers you if you’re injured from a roadside accident. Furthermore, after you’ve made a claim, The Hartford will assist in you finding a respectable repair service to reduce your hassle. With over 1,600 auto repair shops, The Hartford to help to get you back on the road again.
Progressive is one of the best car insurance companies, and over 18 million people use and trust their services. You can opt for their insurance policies for a variety of categories – including home and auto. Also, if you choose to do this, you’ll receive a significant discount. Initiating a quote is quick and easy, and you don’t need to answer complex and long forms. With a 24/7 service, you’ll never not have your queries answered. Simply sign in online to get registered, and to monitor your progress. Once you’ve set up your car insurance policy, they’ll add to their system for discounts.
We appreciate that Progressive cover almost any aspect of cars, which gives you peace of mind in case an accident happens. Thanks to their affordable coverage options, these can protect you against nearly everything. This includes glass damage, lawsuits, hail and many other options. Furthermore, if you’re involved in an auto accident where you’re not at fault, Progressive are on your side. No matter the damage involved, the liability covers you – even if someone sues you over an accident.
Also, this is one of the best car insurance companies for protecting you against uninsured drivers. One part of the policy covers against damages to your vehicle, whilst the other covers injuries to your body. Not all of the best car insurance companies cover and keep you protected against uninsured drivers, which is another reason why Progressive is an exceptional choice.
3. Liberty Mutual
Liberty Mutual has so many benefits to it, and this car insurance company stands out from competitors. In particular, this is one of the best car insurance companies to look into if finding the right one for you is complicated. Or, perhaps you’re unsure and confused and what is covered and where to begin. If so, Liberty Mutual can help you with that and limit any frustration. Also, with an array of coverage types, you can choose the best service which suits you and your family’s needs and lifestyle.
The Others’ Wellbeing feature helps to cover any loss of income during an accident. It’ll also cover legal fees and medical expenses if you’ve lost out on money due to an auto incident. Finally, this policy will handle pain and suffering fees, plus any bereavement costs. Also, the Others’ Property covers any repairs or replacement to another person’s property or vehicle which was caused by you. For example, fences, mailboxes or other areas of property. All of these aspects are included in the standard policy. However, you can create add-ons to increase your security as and when you wish.
Finally, we appreciate that Liberty Mutual want to reward their good drivers, and thank them for their courtesy to others on the road. Consequently, you’ll be rewarded for good driving behavior and save up to 30 percent on your policy. This is a great incentive to improve safety on the roads.
4. State Farm
State Farm is another of the best car insurance companies available to American citizens. With competitive prices, easy claims and highly qualified staff, State Farm is dedicated to providing an exceptional service for all of its customers. They ensure that you and your family are covered with a car insurance company which offers an exceptional service for great value. No matter the time of day or night, a representative is always on hand to help with your auto needs. Obtaining a quote is easy and easy, and there are around 18,000 agents nationwide, so there will always be one located near you.
State Farm want their customers to have the best car insurance in the world. Therefore, they have thousands of agents working for them who are happy to help you find the best add-ons and benefits for you and your family. Their collision policy ensures that they’ll pay to repair or replace your vehicle if it’s involved in an accident. Also, if you’re involved in an incident which isn’t your fault, State Farm will help to pay for any damages to your vehicle and injury costs to you or others.
Finally, this is one of the best car insurance companies for excellent value for money. They help you to save a huge amount of money when you opt for multiple policies, such as home and auto insurance. They’ll also provide you with many discounts and savings for services and products to further improve your safety.
5. Quote Wizard
Searching for the best car insurance companies online can be complicated and frustrating, but Quote Wizard aim to find you the best policy for your needs and for an exceptional price too. This exceptional website helps you to find the best deal for your budget, and ensure that you team with a car insurance company which delivers everything you need from it. Their exceptional and unique service provides multiple quotes for cars easily and quick. As a result, you can compare the website for all different insurance companies without putting in the work yourself.
This online insurance marketplace has a goal to help people around the United States only work with companies which are suitable for them. To this date, Quote Wizard has helped over 32 million users compare quotes against leading American companies. As a result, they’re an excellent go-to if you had no idea about car insurance and no time to investigate. Quote Wizard can sometimes save you up to 40 percent off what you’re currently paying. They have a huge emphasis of saving people money and ensuing that they’re not spending more money than they need to.
Aside from helping to set you up with car insurance companies, Quote Wizard can also help you to leave your current contract with other car insurers. This convenient way of finding out the benefits and aims of all car insurance companies ensures that every user has as many options open to them as possible.
Nationwide is more than just an insurance company, but helps their customers to make the right and sensible choices for their future. Their main objective is ensuring that customers are in safe hands and remain protected and covered in the event of an automobile accident. Their claims service is there to help you in such events. Backed by a promise that they’re always on your side, Nationwide is one of the best car insurance companies to choose if customer service and loyalty are important factors to you.
With an array of areas that they cover, Nationwide wants to make insuring your car a simple process. All of their policies protect you against accidents involving your car, vandalism, animals, injuries to your body or weather. You will also get to choose which other areas you want your policy to cover. As a result, it’s one of the best car insurance companies to suit an array of needs and lifestyles. By ensuring you’re always protected on the road, this helps to eliminate a huge amount of worry and stress if you’re often on the road.
Their coverage will pay for a person’s injury – including any income they’ve lost and/or medical bills. Also, if you’re involved in an accident which results in damage to another person’s property or vehicle, Nationwide will cover the cost of these repairs. As well as covering uninsured motorists, this insurance company will also protect you from drivers who don’t have the efficient amount of insurance to cover the damage to your vehicle.
Travelers is one of the best car insurance companies in the field and has made a hugely successful name for itself. Their main ethos is that drivers have peace of mind each and every time they step into their vehicle. Travelers want people to feel safe and protected in the event of an accident which may or may not be as a result of their own fault. As a result, you can limit the amount of worry and stress in your life and focus on the more important and enjoyable aspects.
Also, Travelers want you to choose a coverage plan which is right for you. As every driver has different needs and goals, they tailor their policies to suit each individual. In just a handful of minutes, you can receive a quote and be protected. Travelers also wants everyone to be clear on what is and isn’t covered in their plans, so they’ll inform everyone accordingly. This includes all of the basics from what’s covered, to the add-ons you may have to the policy expiration date.
This most popular coverage is the Liability Coverage. In a summary, this covers you in the event that an accident is your fault and you hurt someone or their property. Travelers will cover the damages as well as defend you should a lawsuit arise. We recommend choosing Roadside Assistance as an add-on for this insurance company. They offer two levels of coverage to suit everyone and their budgets for this plan.
8. American Family
American Family is one of the most established car insurance companies in the United States and extremely successful. By providing you and other customers with many options to choose from, there are many coverage types. However, if you’re unsure of which might be right for you, their team of dedicated staff will help you find the perfect coverage and policy to suit your needs and goals.
More than anything, American Family are dedicated to protecting your safety and ensuring your property is looked after. They’ll protect you against collision or rollover damages – regardless of who caused the accident. Also, they’ll cover you for damage which is out of your control. For example, theft, vandalism, collisions with animals, colliding with an object etc. As a result, this gives you peace of mind knowing that you’re looked after in any situation. Aside from material possessions, American Family will contribute to medical costs for you and your passengers – regardless of who was at fault.
Furthermore, this is one of the best car insurance companies for protecting you against gap insurance. This means if your car is completely damaged in an accident, you’ll get the total value of what your car is worth when you bought it. This can make a huge difference to your finances and stress levels. Finally, American Family will always help if you have a flat or dead battery. No matter the time or location, their staff can reach you to save you.
Geico is one of the best car insurance companies if you prefer to handle your account online than dealing with an agent over the phone or in person. This is also ideal if you lead a busy lifestyle, and have little time to spend on car insurance policies. For around 75 years, Geico has worked hard to deliver excellent customer service. With a huge customer base, they offer free car insurance quotes online. Data has also shown that new sign-ups tend to save over $500 over the year.
Their policy is extensive, and they aim to be America’s number one car insurance company. The most important thing to consider about car insurance, is that you need a company you can trust. That’s why Geico do their very best to provide you with an outstanding service. They’ll also offer you free, expert advice if you’re torn between numerous policies. Also, depending on you driving history, Geico could save you hundreds of dollars a year compared to competitor brands. You may also qualify for discounts in other fields and areas. For example, if you’re a senior or a safe driver, you’ll be rewarded.
Finally, Geico work hard to provide car insurance you can trust and receive an exceptional service with. By making things simple and easy to sign up for car insurance, they’re by your side throughout all stages of the application.
Finally, we’re excited to present one of the best car insurance companies for military members. USAA provides an exceptional service and price for army officers and family and friends. To this day, they are experienced in offering a superior service to the military community to reward their hard work and dedication. Once you purchase with this insurance company, you can immediately take advantage of their reward and benefit scheme. Joining is simple, efficient and easy. You don’t need any prior knowledge of car insurance, but USAA will guide you through the process should you need any assistance.
With convenient tools such as numbers and apps to download, the staff of USAA are always on hand for any concerns and questions. Their customer service and respect for their members is one of the reasons they’re an excellent candidate for the best car insurance companies to choose from.
Other Articles That Are Related to Cars
Check out these other articles which give advice about vehicles.
What’s the Best Car Insurance Company You’ve Worked With?
Now that you’ve looked at the best car insurance companies in the United States, we hope this will help you to narrow down your search. Choosing a car insurance company shouldn’t be taken lightly. You never know when you’ll need to get in contact with them.
What’s the best car insurance company you’ve worked with? We’d love to hear your thoughts and/or recommendations in the comments to keep this conversation going.