When choosing a car insurance company, several factors should be taken into account. The best car insurance companies offer customers a comprehensive customer experience, from settling claims to quoting and paying premiums.
Car insurance premiums depend on a variety of factors such as vehicle purchase value, driving record, gender and age. People with a history of drinking and driving record are considered high-risk and therefore pay higher premiums.
Below is a list of the best car insurance companies in the U.S. to help you choose from the best insurers.
State Farm
State Farm
Based in Bloomington, Illinois, State Farm was founded about a hundred years ago. State Farm has grown over the years and now has agents in many neighborhoods.
The company offers a number of auto insurance options. Its offerings range from liability, collision, uninsured and underinsured coverage and general liability. State Farm also offers an emergency service that covers mechanical work and towing.
State Farm offers specific discounts. Discount rates vary by customer, age group and state. Younger drivers under 25 years of age and drivers with a clean driver’s license are eligible for these discounted offers.
GEICO
GEICO
The Government Employees Insurance Company is an auto insurance company based in Chevy Chase, Maryland. Founded in 1936, it is one of the largest insurance companies in the U.S.
GEICO prides itself on fast online services and 24-hour customer service. It has a mobile app that allows policyholders to manage their policy details, pay bills, access their ID card and more. GEICO’s mobile app is easy to use and has more features than competing apps.
The company offers low-cost vehicle policies and amazing discounts. Some of its coverage options include medical reimbursement, liability insurance and collision and comprehensive insurance. There are also coverage options for underinsured and uninsured drivers.
Progressive
Progressive
Progressive is an innovative insurance company in the personal car market. It is one of the largest providers of car insurance in the US.
Progressive offers a range of coverage options, including medical payments, collisions, rental car reimbursement, personal injury protection, and gap insurance. It also offers policyholders insurance discounts and free car insurance quotes.
Its snapshot program adjusts your premiums based on how you drive. The safer you are, the less you pay. If you combine your car insurance with home insurance, you can get up to 4% off your premiums.
Allstate
Allstate
Allstate is a car insurance company based in Northfield Township, Illinois, with over 90 years of experience. The auto insurance company offers several insurance options, including physical damage insurance, intermediate insurance, roadside assistance, liability insurance and driving assistance. It also offers pension plans. Allstate operates in all states and sells its policies through independent agencies.
You can save on your Allstate insurance thanks to a wide range of car insurance discounts. For instance, its eSmart discount allows you to save by taking out a paperless policy by taking out a policy online.
USAA
USAA
USAA markets its products and services to current or former U.S. military personnel and their immediate family members. It has an online community where members can get advice and support on financial matters. The community is proud to have over 600,000 members.
USAA offers personal injury protection (PIP), comprehensive insurance and liability insurance. It calculates its insurance policies based on driving history, vehicle type, location, use and age.
Farmers Insurance
Farmers Insurance
Based in California, Farmers Insurance specializes in small business insurance, home insurance, car insurance and life insurance. The company operates in all states through independent and exclusive agents.
Farmers Insurance has custom equipment insurance in addition to other insurance options. This policy covers vehicle upgrades and is restricted to customers with full coverage.
The Hartford
The Hartford was formerly known as the American Association of Retired Persons. They specialize in home, car and life insurance. It also offers college savings plans, investment funds and annuities.
The Hartford tailors its services to the lifestyles of seniors. Its insurance options include accident an uninsured and underinsured motorist coverage, Personal Injury Protection (PIP), and liability while offering good drivers benefits through its exclusive safe drivers incentive package.
Let us know in the comments below if your car is insured with any of these insurance giants.