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Understanding Car Insurance

Having car insurance is compulsory by the law – this is the first reason why you should have car insurance deal. The other reason being that it can help in a lot of ways financially in case your car is part of an accident. Depending on the kind of coverage that you have selected, the things that could be covered are –

  • The benefit to survivor, in case there is a death as a result of the accident.
  • Covers the legal fees in case there is a lawful suit due to the crash.
  • Because of the collision, pays for the repairs for the damages on the car or vehicle.

Hence having car insurance is not just beneficial as far as the legal standpoint is concerned, it is also essential when it comes to the money part of the deal. Additionally, what makes the car insurance beneficial is the coverage that you select. Also along with choosing the right coverage, you need to ensure that you get the best car insurance deals. Getting the best car insurance deals can be acquired by the process of comparing the insurance deals provided by the different insurance providers and then selecting the one with the best value and coverage as per your requirement.

Depending on the coverage of your car insurance policy, there can be a comprehensive cover, which would cover all possible problems that could arise in case of an accident. It’s not just the accident that’s worrisome, the factor to worry about comes in, if you are held responsible for the crash. In the case when the blame of the accident falls on you, it’s not only your car repairs that you need to worry about, there are the people who are involved in the crash that also you would need to take care and worry about.

Types of Car Insurance Coverage

Mainly there are four parts to the insurance cover, however, please note that not all of them are mandatory. The existence or non-existence of these parts depends on the kind of coverage that you choose. However, let’s discuss and see what these parts cover –

  1. Liability for personal property and physical injury

In case if the accident is due to your negligence, then you would be required to cover the damages for the other person’s that were involved in the crash. It could damage in the form of covering injury expenses for the persons involved in the accident. And if there is a death, then covering the damages to the survivors. In this part of the insurance policy, all of this is taken care by the insurance provider. As the car and the policy owner, you then don’t have to hassle overtaking the expenses on your head. Further any loss of wages or any sort of pain or suffering that the person is going through.

Most of the times, the expenses are so huge that there have been instances when the person blamed for the accident has to part ways with his assets, just so that they can cover all the expenses related to the crash. The best car insurance deals ensures that you don’t have to worry about the costs and parting with your assets to cover the costs of the accident.

The liability coverage for this type of insurance is mostly represented using a series of 3 numbers, i.e., 100/300/50. To understand these numbers, let’s take a quick numeric example. So the first number indicates the coverage that would be paid to one person for the injuries and if there is more than one person involved, then the second number indicates the maximum amount that would be paid out. So if $100,000 for one person then $300,000 is the maximum amount that would be paid out. And finally, last but not least, the final number indicates the amount that would be paid out for covering the damage on property, which in this case would be $50,000.

This type of liability coverage is highly recommended when it comes to car insurance policy.

  1. Protection against Personal Injury

This type of coverage mainly takes care of your medical expenses and any loss of wages that you might incur due to the accident. Along with your medical expenses, this type of policy also covers the medical expenses and loss of wages for the people traveling with you at the time of the accident. If you have the related disability and medical policies, then this type of plan might not be required.

  1. Comprehensive and Collision

This type of plan mainly covers any damage that might have occurred to the car due to the accident or in the case where the vehicle would have rammed into a utility pole.

Comprehensive type of policy would also cover your entire care, in the case for some reason the car gets stolen or damaged due to any natural disaster.

The choice for this type of coverage for your car insurance policy is entirely up to you. If you feel that your car is not very expensive or if you think that you can afford to incur the costs in case of any damages, then you can choose not to get this type of policy cover. Not availing this kind of coverage can help save money.

  1. A motorist who is uninsured

This type of policy cover would help when you are involved in an accident where the accident is caused because of the fault of the other motorist. However, the other driver doesn’t have insurance cover, or the cover is not enough to cover your damages also.

This is mainly helpful in case of hit-and-run accidents.

Gap Insurance

All these types of insurance ensure that in case of an accident you are adequately protected. However, what happens in case if you total your car entirely. If there happen to be some circumstances such that the costs involved in repairing the car damages cross the market value of the vehicle.  In this case, the car or the car is considered to be a “Total Loss.” There are also some instances where the amount you receive from the insurance company in exchange of the damages or even the market value of the totaled car will not cover or pay off the amount that is still owed for the auto loan, in this case, what comes into handy is – Gap Insurance.

Basically, gap insurance is an entirely optional car insurance coverage. It is an add-on coverage that can be availed for your car. This type of insurance coverage can help the drivers or the car owners in some situations, to cover the “gap” between what is currently owed on the car and what is the car’s actual cash value, in case of an accident. It’s important to note here that when we are referring to the car’s actual cash value, we mean the monetary value of the car when the accident occurred and not the original value of the car. Gap insurance covers the following –

  • At times, gap insurance may cover the theft in case the car is stolen and cannot be salvaged.
  • The deductible would still be applicable, even in the case of gap insurance. Hence if the amount of reimbursement is $4,000 and the deductible is $500, then the total reimbursement amount, which you would receive, is $3,500.
  • Gap insurance is not meant to cover only engine failure. Gap insurance is meant to cover the situation when there is a total loss from an accident that is covered by insurance.
  • This insurance type is meant to cover only vehicle losses and is not meant to cover any physical injuries or medical expenses or even funeral costs, in case of an accident.
  • Gap insurance is also referred to as “Negative equity,” which stands for the difference or the gap between the car’s actual value at the time of the accident and the amount that you owe to the bank on your auto loan.

Takeaways

When it comes to availing the best car insurance deals, it goes beyond just the legal requirement of having the same. Taking the best car insurance deals with the relevant coverage can help take care of the well-being of a person blamed of the accident by lessening the risks of paying the massive amounts and the expenses involved when it comes to a major car accident. Car insurance helps in case if you are involved in a crash which either occurred due to you or due to a person, who doesn’t have enough coverage to cover your expenses too. In such cases, car insurance helps by paying the medical fees and paying for repairing the damages to the car.

Additionally, car insurance also covers the cost of medical expenses of the passengers that were in the car at the moment when the accident occurred. All of these expenses can lead to significant costs and having the insurance policy take care of these expenses can prove to be a blessing in disguise. It’s further significant to mention here that at certain times there are certain expenses that are not covered by your regular medical insurance, again in this case car insurance helps, provided a covered accident causes the injuries.

Cheap Car Insurance

List of Best Car Insurance Deals (Most Popular)

 

Progressive Auto Insurance

Progressive has been providing consumers with auto insurance since 1937 and is known for its insurance rate comparison tool. This company offers several types of auto insurance and focuses only on this type of insurance.

Pros 

  • Discounts for most drivers
  • Direct model means lower rates
  • Fast claims process
  • Add-ons like roadside assistance and gap insurance
  • Exceptional customer service
Cons

  • Discounts not available in all states
  • No brick and mortar stores
Bottom Line

Progressive is one of the largest auto insurers in the U.S. and has competitive rates. Positive reviews cite a fast claims process and low rates as reasons for sticking with the company. Progressive offers a range of discounts, especially for students, safe drivers and customers who pay automatically.

Source: https://bit.ly/2DmxSzk

 

GEICO

When people think of GEICO, they think of their mascot. However, it’s also an insurance company that offers comprehensive insurance at relatively low prices. GEICO offers a variety of insurance in addition to auto insurance.

Pros

  • Average annual savings of $500 for new policyholders based on a 2018 GEICO national survey
  • Free and easy online quote and buying process
  • Mobile app makes it easy to view policies, request roadside assistance and file claims
  • Competitive rates
  • Fast claims processing
 Cons

  • Low credit score can increase premiums in some states
  • No discounts for hybrid or electric cars
Bottom Line

GEICO sells auto insurance along with home, renters and motorcycle insurance. Positive reviews highlight the company’s customer service and low rates. As a direct provider, GEICO can offer lower rates than many of its competitors.

Source: https://bit.ly/2UYzUPu

 

State Farm Auto Insurance

State Farm is the biggest auto insurer in the U.S. and is a top 50 Fortune 500 company. It was founded in 1922 by a farmer, and for nearly a century has tried to bring a sense of neighborliness into the insurance business.

Pros

  • Discounts for safe drivers, including good teen drivers
  • Network of more than 18,000 agents serving all 50 states
  • Basic and comprehensive coverages
  • Online portal for easy policy access
  • Discounts available when you bundle State Farm homeowners insurance
 Cons

  • No accident forgiveness option
  • Not all options available in every state
Bottom Line

State Farm offers auto, home, and renters insurance. Happy customers appreciate State Farm’s rates and say that their rates don’t automatically raise every time their policies renew. Having a local agent gives customers assurance that they have someone to turn to anytime they have a question or need to file a claim.

Source: https://bit.ly/2EbvpIf

 

Liberty Mutual – Auto

Liberty Mutual is one of the oldest insurers in the U.S. Today, it is the third largest publicly held U.S. insurance company. They offer a variety of comprehensive insurance packages, including auto and homeowners insurance.

Pros

  • Offers accident forgiveness and new car replacement
  • RightTrack encourages good driving behavior
  • Well-established company with 100+ years of insurance experience
  • User-friendly website
  • Liberty Mutual Deductible Fund helps you save up for your deductible
 Cons

  • Some customers experienced an increase in rates
  • Discounts not available in all states
Bottom Line

Liberty Mutual offers competitively priced car insurance products along with special coverage options and discounts. Happy customers appreciate how easy it is to switch to Liberty Mutual from another provider. The company has an easy online platform to get a quote and sign up for a new policy.

Source: https://bit.ly/2rP1elS

 

AAA Auto Insurance

The Automobile Club Association, or AAA, is one of the best-known insurance providers in the U.S. It offers a roadside assistance program as well as a variety of insurance plans and policies for drivers and vehicle owners.

Pros

  • Gives multiple discounts up to 27% to all AAA members
  • Additional AAA member benefits include travel guides and maps for long trips
  • Established company that’s been around for over a century
  • Excellent roadside service
  • Added coverages include gap insurance, rental car reimbursement and non-owner insurance
 Cons

  • No discounts for teen drivers
  • Available only to AAA members
Bottom Line

AAA auto insurance is offered by the Automobile Association of America to its members in all 50 states. Happy customers appreciate the personalized service they receive by working with a local agent and say the claims process is fast and their insurance rates are reasonable.

Source: https://bit.ly/2PRHBn5

 

USAA Auto Insurance

USAA offers insurance to veterans and current military personnel. It has been in business since 1922 and strives to give military personnel and families coverage to meet their special needs, including auto insurance coverage.

Pros

  • Affordable rates for USAA members
  • Stored-vehicle discount for military personnel
  • Superior financial strength and claims servicing
  • Online tools for policy management, roadside assistance and claims requests
Cons

  • Some discounts not available in some states
  • Products open to USAA members and their immediate families only

 

Bottom Line

USAA offers auto coverage to all active and retired military personnel and their immediate family members. It enjoys mostly positive reviews from clients because of its excellent customer service and online experience ratings. Products include coverages and discounts for drivers, their cars and their passengers.

Source: https://bit.ly/29R0SD6

 

The General Auto Insurance

The General specializes in providing insurance coverage for high risk drivers, including those who need an SR-22 following a DUI. It is a subsidiary of PCG Holdings, which has been underwriting insurance for 50 years.

Pros

  • Offers SR-22 filing for drivers
  • Offers most of the standard options offered by competitors
  • Affordable insurance for high-risk drivers who have trouble finding coverage elsewhere
  • Deductible waiver for windshields, door and window glass.
 Cons

  • No safe driver programs or discounts
  • Con third point.
  • Prices can be higher than competitors
Bottom Line

The General auto insurance covers high-risk drivers. Satisfied customers say it’s really easy to get an online quote and that the pricing is great. Reviewers say the customer service is excellent and prices are competitive.

Source: https://bit.ly/2PRvCWm

 

Esurance

Esurance is an online auto insurance company that is backed by AllState. It provides consumers with tools for claim resolution as well as the ability to sign up for, renew or change insurance policies through the Internet.

Pros

  • Offers coverage for damages not caused by an accident, such as fire and vandalism
  • Provides SR-22 for drivers with high-risk insurance policies
  • Carries attractive coverages and discounts
  • Standout mobile apps include CoverageMyWay, DriveSense, RepairView Program
  • Backed by financially strong AllState
 Cons

  • Prices relatively higher than competitors
  • No agents to contact
Bottom Line

Backed by AllState and serving 43 states, Esurance is one of the first companies to offer insurance directly to customers online or on the phone. Customers are attracted to the ease of getting quotes and managing their accounts online with a suite of interactive tools and mobile apps.

Source: https://bit.ly/2UYcJ8g

 

Allstate Auto Insurance

AllState became a publicly held insurance company in 1993, though it’s been around since the 1930s. It is dedicated to hiring women and minorities in addition to providing appropriate insurance for people from all walks of life.

Pros

  • Excellent financial strength to meet its claims obligations
  • Discounts include new car, multiple policy, smart student, anti-theft device and anti-lock brake discounts
  • A leading car insurer in the United States
  • Offers Allstate eSmart, EZ pay plan, FullPay, early signing, responsible payer, accident forgiveness, deductible rewards and Safe Driving Club discounts
  • Above average rating on claims satisfaction
 Cons

  • Some customers experienced occasional premium increases
  • Prices are slightly above industry average
Bottom Line

Allstate is the third leading car insurer in the U.S. serving all 50 states with a massive network of local agents and 3,500 repair shops. Its financial strength ranges from good to excellent. Many customers are satisfied with Its auto claims servicing. It carries a range of coverage options and discounts.

Source: https://bit.ly/2rL3A5o

 

Nationwide Insurance – Auto

Nationwide first came onto the insurance scene in 1925. Its early funding came from nine farm bureaus, and it continues to receive agricultural support today. It has grown from a local to national company in the last 100 years.

Pros

  • Allows customized plans
  • Vanishing deductible program
  • Strong claims support by its 24/7 claims center
  • Superior financial strength with more than $2 billion in assets
  • SmartRide offers up to 40 percent in discount for safe driving
  • Provides classic car insurance
 Cons

  • No rideshare insurance
  • Higher rates for drivers with unfavorable driving records
Bottom Line

Nationwide Insurance is a mutual insurance company entirely owned by its policyholders, giving it the opportunity to focus on policyholders with no investor demands to fulfill. Nationwide offers basic, standard and premium coverages and a range of add-ons and discounts.

Source: https://bit.ly/2Gxtjsq

 

Travelers Auto Insurance

Travelers Insurance has been in business for over 150 years. In 2009, it founded a political advocacy group to get the fairest coverage laws for American drivers in addition to its auto insurance options for various drivers.

Pros

  • Offers hybrid/electric vehicle discount and new car discount
  • Features Affinity Program to employees or members of participating organizations
  • Established financial strength
  • Accident forgiveness includes one accident and one minor violation
  • Decreasing deductibles
 cons

  • Premiums can be slightly higher than competitors
  • Services limited to 42 states
Bottom Line

Many reviewers have been with Progressive for more than 10 years.

Source: https://bit.ly/2Rcow3q

 

MetLife Auto

MetLife is best known as the insurance company that uses “Peanuts” characters in its marketing campaigns. It offers auto, home and health insurance; automobile owners can choose from a variety of plans to meet their needs.

Pros

  • Solid financial strength
  • Discounts on defensive driving, superior driving, good student, mature driver, controlled mileage and car safety features
  • 150 years in the insurance industry
  • Excellent rates on group discounts
  • Features mobile apps, such as MyDirect, MetLife CARE program, My Journey app and MetLife US app
  • Savings on deductibles
  • Gap coverage, custom sound system replacement, no deductible on glass repairs, legal defense costs and identity protection services
 Cons

  • Occasional mobile apps issues
  • Relatively higher prices than competitors
Bottom Line

Many reviewers have been with Progressive for more than 10 years.

Source: https://bit.ly/2PSfUKT

 

Dairyland Auto Insurance

Based in Wisconsin, Dairlyand Insurance sells auto and motorcycle insurance nationwide. They offer immediate coverage for all types of drivers, including SR-22 insurance, non-owner insurance and insurance for teen drivers.

Pros

  • Offers online policy sign up
  • Policies available for those with poor credit or driving history
  • Low rates due to owning multiple companies
  • No prior insurance required to get approved
  • Offers coverage for old, antique, extra-large and unique vehicles
  • Accepts foreign drivers licenses
 Cons

  • Physical locations limited and far away from many customers
  • Some customers experienced long wait times for reimbursement
Bottom Line

By working with brokers and online services, Dairyland and its subsidiaries offer customer lower prices and coverage than other insurance companies can. Happy customers appreciate the company’s excellent customer service and competitive prices.

Source: https://bit.ly/2Buo5Ia

 

Mercury Auto Insurance

Mercury Insurance has been offering a variety of insurances to drivers and homeowners since 1962. They offer users the chance to sit down one-on-one with an agent so that they can get the best insurance for their needs.

Pros

  • Offers other types of insurance and bundle discounts
  • Local offices and agents available
  • Low cost
  • Can sign up online or over the phone
  • Offers mobile ID card
 Cons

  • Repairs can take longer than expected
  • Time limit on rental car benefits
Bottom Line

Many customers have been with Mercury for years, some more than a decade or two. The company has many happy reviewers that discuss competitive prices and fast claims processing. Mercury offers other types of insurance as well, such as home insurance.

Source: https://bit.ly/2PRBXkW
 

Farmers Auto Insurance

In 1959, Farmers Insurance received thanks for quickly replacing a customer’s stolen car battery. Today, it serves over 10 million households throughout the U.S., offering coverage against accidents as well as repair services.

Pros

  • Roadside assistance available
  • More coverage than competitors
  • Offers add-on options like New Car Replacement and Accident Forgiveness
  • Personalized service and local agents
  • Offers discounts for safe driving, defensive driving courses and more
 Cons

  • Some customers were charged fees on top of premiums
  • Rates may increase year over year
Bottom Line

Farmer’s Auto Insurance offers a variety of coverage for every stage of a driver’s life. Positive reviewers appreciate the customer service and level of coverage and say that the reliability is worth the potentially higher cost compared with other companies.

Source: https://bit.ly/2QFN9X9
 

SAFECO Auto Insurance

SAFECO Auto Insurance, in business since 1923, offers car insurance policies that meet the needs of people with diverse incomes and coverage needs. The company offers support services through its website and toll-free number.

Pros

  • Connected with Liberty Mutual
  • Low price
  • Insures older cars
  • Offer other types of insurance and bundle discounts
  • Roadside assistance available
 Cons

  • A few customers noted unexperienced rate increases
  • Some customers experienced long wait times on claim responses
Bottom Line

Safeco insurance is a Liberty Mutual company that offers insurance in a discounted package. Customers are happy with Safeco’s low prices and the ability to pay conveniently online.

Source: https://bit.ly/2LwCw36
 

Erie Auto Insurance

Erie Auto Insurance offers more than just auto accident protection; they also have home and life policies along with some great package deals. Customers can receive a quote quickly and easily on their website.

Pros

  • Multiple discounts available
  • Low cost compared to major brands
  • Offers 12-month premium quotes
 Cons

  • Some customers paid a cost that was different from their online quote
  • Low tolerance for risk after claims
Bottom Line

Erie auto insurance offers car insurance with several optional add-ons, like pet coverage, windshield repair and locksmith services. The company’s positive reviews appreciate the responsive customer service for safe drivers. Many customers have been with this regional company for decades.

Source: https://bit.ly/2R7xBur

 

AARP/Hartford Auto Insurance

The Hartford has offered insurance for over 200 years and was one of the first companies to offer auto insurance. They offer special insurance packages to assist seniors who can still drive and remain as independent as possible.

Pros

  • Offers motorcycle insurance
  • Benefits for seniors who take safety courses
  • Partnership with AARP
  • Lifetime repair guarantee
  • No hidden fees
  • Premiums set for 12 months
 Cons

  • Billing can be confusing for some seniors
  • Rates may increase if you move to certain areas
Bottom Line

Hartford Auto Insurance offers car Iinsurance for those who have been driving for decades. Seniors are given special treatment, and many of the positive reviews say customer service is key.

Source: https://bit.ly/2SZ934f
 

Farm Bureau Auto Insurance

The Farm Bureau is a national organization dedicated to political and other advocacy for farmers. Its insurance policies take the agricultural sector’s needs into account, covering vehicles used on the farm and automobiles.

Pros

  • Cover many types of vehicles
  • Discounts available
  • Local offices and agents
  • Young driver safety program
  • Offers a mobile app
  • Membership benefits
 Cons

  • Does not offer 12-month premium quotes
  • Some customers find the claims filing process cumbersome
Bottom Line

Farm Bureau is not just for farmers or those in rural communities. They offer home and life insurance and often bundle discounts. Many customers have been with the company since the 1980s. Happy reviewers report warm customer service from local agents and prefer the personalized service.

Source: https://bit.ly/2rMEnHZ
 

Amica Auto Insurance

Amica specializes in providing insurance for people with good driving records. It offers a variety of discounts based on driving record and works directly with customers rather than having them to go through an agent or broker.

Pros

  • Ranked No. 1 by JD Power
  • Often allow you to pick your repair shop
  • Convenient online portal for sign up and claims
  • Offers other types of insurance all in one place
  • No depreciation deduction
 Cons

  • Some customers experienced a rate increase
  • No local agents
Bottom Line

Despite only recently coming on the national stage, many customers have been with Amica for more than two decades. The online-remote model allows for reduced prices, and the company has won awards for customer service and claims response. Customers like the availability of umbrella policies and multi-plan discounts.

Source: https://bit.ly/2Bv3S51
 

Wawanesa Auto Insurance

Founded in 1896 in Wawanesa, Manitoba, Canada, Wawanesa insurance is one of Canada’s largest insurers. Consumers can buy their insurance products through an independent insurance broker or, in Quebec, a company agent.

Pros

  • Competitive, low rates
  • Available nationwide
  • Offers accident forgiveness in many cases
  • Can file online or by phone
 Cons

  • Some customers find the website difficult to navigate
  • Rate increases can vary
Bottom Line

Many reviewers have been with Progressive for more than 10 years.

Source: https://bit.ly/2UY121g
 

American Family Insurance – Auto

American Family Insurance offers other types of insurance to cover people’s needs in all areas of their lives. It has been offering auto insurance protection for over 80 years and serves customers in all 50 states.

Pros

  • Local, personalized service available
  • Offers annual, semi-annual or monthly payment options
  • Can pay in person or online
  • Friendly customer service available over the phone
 Cons

  • Con second point with more text.
  • Claims processing times may vary
Bottom Line

American Family Insurance is a mid-level insurance company for those looking to bundle home and auto or get comprehensive coverage for less than some of the major brands. Many customers report years of good customer service.

Source: https://bit.ly/2PTe8sK

 

Auto Owners Insurance

Auto Owners Insurance is an independent mutual insurance company that focuses on providing in-person support through a vast network of localized offices. They have a long track history of market stability.

Pros

  • Has been a Forbes 500 company for more than a decade
  • Local agents and offices with independent businesses.
  • Offers several types of insurance
  • Bundle options available
 Cons

  • Claims processing times can vary
  • Rates may not be as competitive as other firms
Bottom Line

By innovating, Auto Owners Insurance has cut costs while still providing competitive coverage for automobiles and other major assets. Locally-focused agents respond to claims instead of national chains. Positive reviewers appreciate the flexibility brought on by the company’s growth.

Source: https://bit.ly/2PNI5ut
 

Kemper – Auto

Kemper Corporation offers consumers a variety of insurance products nationwide. They offer discounts on auto insurance along with unique features, including pet protection, enhanced car seat replacement and dependent protection.

Pros

  • Insurance enhancements to Protect Your Wallet, Protect Your Sanity and Protect Your Family
  • High-risk policies
  • Competitive rates compared to big brands
  • A wide selection of discounts, such as referral, married couple, loyalty and senior discounts
  • Easy online quote process
 Cons

  • Not all vehicle brands and models covered
  • Limited availability statewide
Bottom

Kemper offers low-cost car insurance to 26 states. Most customers who have switched to this company claim to have saved 20% on their insurance premiums. Many customers are also happy with their claims experience. The company carries basic and customized insurance packages and high-risk policies that other companies do not offer.

Source: https://bit.ly/2CKipMU

 

Grange Auto Insurance

Grange Auto Insurance focuses on customized coverage options through personal interaction with the client. They leverage their 80 years of expertise toward finding the perfect match for each new customer.

Pros

  • High customer claims experience
  • Standard and customized coverages
  • Great financial standing
  • Online policy management
  • Network of local and independent agents
  • Hybrid vehicle discount
 Cons

  • Claims response times can vary
  • Coverage limited to 13 states
Bottom Line

Grange is a regional insurance company offering auto insurance to customers in the Midwest and Southeast states. It offers standard and customized insurance coverages packaged to conform with local driving and auto insurance laws within the region. Customers are satisfied with the company’s customer service and competitive rates.

Source: https://bit.ly/2LusXBn
 

Bristol West Insurance

Bristol West originally provided insurance to Florida drivers back in the 1970s. Today, it is a national auto insurance company that offers online services, including mobile payment, and uses technology to enhance service.

Pros

  • Low down payment options
  • Product sold by local agents and brokers
  • Standard, comprehensive and optional coverage options
  • 24/7 online claims filing
  • SR-22 or FR-44 options available
 Cons

  • A few customers reported unexpected price increases
  • Some customers experienced a delay while getting a quote
Bottom Line

Bristol West Insurance is a member of the Farmers Insurance Group, one of the biggest insurance companies in the United States. Reviewers say the claims process is fast and efficient. Bristol West offers standard and optional coverages with personalized service and specializes in insurance options for high-risk drivers.

Source: https://bit.ly/2BvI9d5
 

Hartford – Auto

The Hartford has offered insurance for over 200 years and was one of the first companies to offer auto insurance. They offer special insurance packages to assist seniors who can still drive in remaining as independent as possible.

Pros

  • 12-month rate protection
  • Lifetime renewability
  • Special benefits for AARP members
  • Classic car coverage
  • RecoverCare program for reimbursement of home services
 Cons

  • Early cancellation fees might apply
  • May be expensive for young and high-risk drivers
Bottom Line

The Hartford offers car insurance to drivers of all ages, but gives special coverages and benefits to people 50 or older. It has partnered with the AARP, American Association of Retired People, and serves nearly 40 million AARP members. Many of their customers are happy with the company’s great customer service.

Source: https://bit.ly/2EGBu3N
 

NJM Auto Insurance

Since 1913, New Jersey Manufacturers Insurance Company has been protecting clients from financial liabilities. The company carefully underwrites each policy to safeguard consumers while working to control costs.

Pros

  • Online policy management
  • Competitive rates
  • Strong financial stability
  • Local agents greatly familiar with local driving laws
  • Exceptional customer experience on auto claims
 Cons

  • No coverage on mechanical breakdown, personal property and pet injury
  • Coverage limited to New Jersey and Pennsylvania residents
Bottom Line

NJM provides auto insurance to customers in New Jersey and Pennsylvania. Along with a selection of car insurance coverages and discounts, it pays dividends to its policyholders at an average of 5 percent of the yearly premium each year. It receives positive reviews for its high customer satisfaction with claims processing.

Source: https://bit.ly/2QHqY2O
 

Safe Auto Insurance

Safe Auto offers affordable insurance options to high-risk drivers, including those who have to carry SR22 or other court-mandated insurance in order to retain their licenses. It serves all 50 states from its Ohio headquarters.

Pros

  • Liability, collision and comprehensive coverages
  • New business transfer discount
  • 24/7 customer service
  • Home owner discount
  • SR-22 option
 Cons

  • No online claims
  • Limited to 16 states
  • Low down payment and affordable monthly installments
Bottom Line

Safe Auto Insurance is an Ohio-based and independently owned company serving 16 states. It provides minimum limit insurance, non-standard coverage and comprehensive options directly to consumers. Positive customer reviews appreciate the range of options and say they are likely to renew their policy.

Source: https://bit.ly/2A9RabY

 

Shelter Auto Insurance

As one of the largest regional auto insurance providers in the U.S., Shelter Auto Insurance offers a range of both commercial and consumer policies. They cover all types of vehicles, from golf carts to cars.

Pros

  • Comprehensive coverage for fire, flood, theft, hail, falling objects and windshield chips
  • Accident prevention course and driver training course discounts
  • Competitive prices for low-risk customers
  • Window Identification System Discount for Louisiana residents
  • Online claims system
 Cons

  • No online purchase option
  • Availability limited to the Midwestern and Southern states
Bottom Line

Shelter Auto Insurance provides car insurance to states in the midwest and south United States. The company receives positive reviews for the personalized service of its local agents. It carries standard and optional coverages, discounts and exclusive options in specific states. It also offers special discounts to military and business drivers.

Source: https://bit.ly/2T2Gjrs
 

Plymouth Rock Auto Insurance

Plymouth Rock Assurance was founded on the principles of putting its customers first. With sharp focus on customer satisfaction, Plymouth Rock helps people in the northeast United States find the right policy to fit their lives.

Pros

  • Advanced quote discount
  • Get-home-safe service
  • On-the-spot appraisal after an accident
  • Club member discount
  • Door-to-door valet claim service
 Cons

  • Some customers experienced a delay in claims processing times
  • Serves a limited number of states
 Bottom Line

Many reviewers have been with Progressive for more than 10 years.

Source: https://bit.ly/2V6OzIK
 

American Access Casualty

American Access Casualty’s mission is to provide affordable insurance to members of the Hispanic community. It accepts Mexican and international driver’s licenses as well as United States licenses for insurance purposes.

Pros

  • Roadside assistance
  • Rental reimbursement
  • Liability, collision and comprehensive coverages
  • Bilingual representatives
  • Coverage for international drivers and drivers who are unlicensed
 Cons

  • Some customers experienced a delay when contacting customer service
  • Claims processing times can vary
 Bottom Line

American Access Casualty Company (AACC) is an Illinois-based car insurance company offering non-standard coverage primarily to the Hispanic community. It operates in Illinois, Indiana, Nevada, Arizona and Texas with a license to expand to nine other states. It is ideal for high-risk drivers having a hard time getting car insurance.

Source: https://bit.ly/2EHCvZv
 

Fred Loya

Fred Loya considers itself a leader in low-cost insurance. It offers insurance across the Southwestern and Southeastern United States, with over 525 office locations that consumers can contact or visit.

Pros

  • Full-service and proprietary offices where people regularly go
  • Claims program that allows you to get paid on the day of filing if all requirements are in order
  • Affordable rates for non-standard insurance
  • Agents required to settle physical damage claims within 24 hours
  • Coverage for drivers of high-powered sports cars, custom built cars and other specialized cars
 Cons

  • Claims processing times can vary
  • Available only in 11 states
 Bottom Line

Fred Loya is a Texas-based car insurance company that serves 11 western and southwestern states. It offers both standard and non-standard insurance regardless of driving record or credit standing. Customers appreciate their affordable rates.

Source: https://bit.ly/2QJGzPk
 

Alfa Auto Insurance

The Assisted Living Federation of America advocates for better living conditions for senior citizens that preserve as much independence as possible. It offers auto insurance to members as a benefit for supporting its mission.

Pros

  • Lower rates than the national average
  • Low complaint index
  • Excellent financial strength rating
  • Special discounts and benefits for AFF (Alabama Farmers Association) members
  • Coverage for loss of clothing and luggage in a crash
 Cons

  • No discounts for seniors, military members and multiple vehicles
  • Limited coverage to 10 states
Bottom Line

Alfa Auto Insurance offers standard and non-standard car insurance to 10 states in the South and part of the Midwest, with core operations in Alabama, Georgia and Mississippi. Services can be accessed online, through agents or via its smartphone app. Positive reviewers are happy with their claims experiences and are likely to renew their policy.

Source: https://bit.ly/2rMCpHi
 

Hanover Auto Insurance

The Hanover Insurance Group, Inc., is a holding company for multiple insurance companies. Their auto insurance can be customized, and consumers can buy their auto insurance through an independent insurance agent.

Pros

  • Competitive prices
  • Personalized service by local agents
  • Online access to policy details, claims processing and guides
  • Second point with more text.
  • Lifetime warranty on repairs done by their accredited repair shops
 Cons

  • Customer service wait times can vary
  • Some customers experience a delay in payment and billing
 Bottom Line

Hanover Auto Insurance offers standard and specialized car insurance coverages to residents in 28 states. It operates through a network of independent agents and brokers. Happy customers appreciate the company’s friendly customer service representatives.

Source: https://bit.ly/2LsoejM
 

Freeway Auto Insurance

Freeway Insurance belongs to Confie Seguros, the largest private insurance company in the U.S. It offers affordable auto insurance plans, including high-risk insurance, to help every consumer be able to afford auto insurance.

Pros

  • Affiliation with major insurance brands
  • 24/7 customer service available
  • Fast, easy sign up online or by phone
  • Plans available for cars, trucks, RVs, commercial vehicles and more
 Cons

  • Insurance office hours can vary
  • Wait times can vary
 Bottom Line

Freeway offers customers looking for low-cost insurance an easy, online method of getting coverage. Positive reviews appreciate the lower price and connections to national firms and the ability to sign up from the comfort of home.

Source: https://bit.ly/2rOyF8m
 

21st Century Insurance

21st Century has been providing drivers with coverage since 1958. It is a member of the Farmers Insurance Group, which currently provides over 20,000,000 policies to individuals in all 50 states.

Pros

  • Fast claim fulfillment
  • Accident forgiveness
  • Customers rave about low prices
  • Mobile app and roadside assistance
  • Reviews mention benefits for long-time customers
 Cons

  • Some customers experienced customer service issues after the company merged with a larger firm
  • Plans not available in all states
 Bottom Line

Customers have had access to 21st Century plans for more than half a century and report continued satisfaction with the company as it has grown. Reviewers note fast turn around times for claims, more than fair prices and accident forgiveness.

Source: https://bit.ly/2SbkW7a
 

Mendota Auto Insurance

Mendota offers specialty auto insurance throughout the United States. Both brokers and consumers sign up with this service online so that they can find each other. Mendota helps match consumers with agents that meet their needs.

Pros

  • Website portal makes payments and claims easy for many customers
  • Claims reporting hotline available 24/7
  • Automatic, direct billing available for easy payments
  • Customer service line open weekdays
 Cons

  • Some customers experienced price raises without advance warning
  • Only six-month policies available
 Bottom Line

Mendota is known for offering plans for everyone, including those who may not be able to find coverage from other companies. Customers report positive experiences when filing claims. They appreciate the fast turnaround times and the prompt communication from agents.

Source: https://bit.ly/2V6VIJ4
 

Chubb Auto Insurance

Chubb started as a small marine underwriting business in 1882. Since their beginning they have expanded and now they ensure everything from homes to collectable cars. They are a global company that is found in 28 countries.

Pros

  • You choose your repair shop
  • Chubb will reimburse you for your rental car
  • Specializes in collectors cars
  • Comprehensive coverage available, no matter what kind of car you have
  • Coverage for rental cars when traveling abroad
 Cons

  • Customer service wait times can vary
  • Premium service means higher prices than other providers
 Bottom Line

Chubb offers car insurance for all cars, including specialty and collectors cars. Reviewers like the promptness of agents and the willingness of agents to answer questions.

Source: https://bit.ly/2PUqu49
 

Allied Auto Insurance

Allied Insurance is best for anyone that is looking for several types of insurance including auto, home, and life insurance. Consumers can receive increased discounts by purchasing various types of insurance policies.

Pros

  • No hidden fees
  • Offer automatic bill pay to avoid missing a payment
  • Affordable plans
  • Innovative website
 Cons

  • Claims processing times may vary
  • Membership fee required
 Bottom Line

Allied Auto Insurance may be a good choice if you are a student or a new driver looking for an affordable insurance plan. Plans are available at 12-month quotes, and they offer discounts for many groups as well as bundles. Customers say in positive reviews they are happy to accept longer wait times to have claims resolved in exchange for a lower price.

Source: https://bit.ly/2Aih5OT
 

Automobile Club of Southern California

The Automobile Club of Southern California is the California branch AAA. It offers specific insurance benefits to consumers living in California, allowing these customers to get coverage for needs unique to the area.

Pros

  • AAA network connections
  • Travel benefifts for AAA insurance customers
  • Roadside assistance available
  • Financially stable company
  • Additional AAA benefits
 Cons

  • Some customers have found the method of getting information to be cumbersome
  • Only available in Southern California
Bottom Line

California drivers say they appreciate the small-business vibe of Automobile Club of Southern California with the connections to the greater benefits of AAA. Reviews note speedy responses to claims and positive customer service experiences.

Source: https://bit.ly/2UZUWxl
 

Fiesta Auto Insurance

Founded in 1999, Fiesta Auto Insurance Center has locations around the country and work with over 40 top insurance carriers. They have Spanish fluency for consumers who speak Spanish, and consumers can request a free quote online.

Pros

  • Convenient locations within communities
  • Latino-owned company
  • Tax benefits and services available
 Cons

  • A few customers noted poor customer service experiences
  • Some customers report slow response times to claims
Bottom Line

Fiesta Auto Insurance offers services specialized for the Latino community. Satisfied customers appreciate the ability to pay for an entire year, and the low prices available.

Source: https://bit.ly/2EBxKQ3
 

 

 

AIG Auto Insurance

American Insurance Group is one of the biggest insurers in the U.S. It offers insurance worldwide to consumers in over 130 countries and offers homeowners, renters and commercial business insurance in addition to auto insurance.

Pros

  • Large company with a lot of assets and resources
  • Customer service for everyone from those starting out to those with luxury vehicles
  • Connections with multiple companies allows for a wide breadth of coverage
  • Fast claims process
  • Low quotes
 Cons

  • Some customers report unexpected rate increases
  • Customer service wait times can vary
 Bottom Line

Customers of AIG like the company’s long history of providing comprehensive coverage for individuals and businesses. Reviewers note agents not only respond to claims quickly but offer a personal touch when dealing with customers’ needs.

Source: https://bit.ly/2EAofkf
 

Cost-U-Less Insurance

Cost-U-Less offers inexpensive insurance options for drivers across California. It offers over 100 types of insurance to California drivers from 80 different locations as well as 24- hour availability of online quotes.

Pros

  • Coverage options for a variety of vehicles
  • High-risk policies available
  • Bundle deals available
 Cons

  • Some customers find the fees associated with accounts to be unpredictable
  • Only available in California
 Bottom Line

Customers of Cost-U-Less say they appreciate the lower premium costs. Positive reviews mention the flexibility that Cost-U-Less insurance’s connection to other firms brings.

Source: https://bit.ly/2RbeTCa
 

American Freedom Insurance

Founded in 1998, American Freedom Insurance specializes in providing auto insurance for customers who live in Illinois, Indiana and Pennsylvania. They have auto insurance options for all types of drivers.

Pros

  • Offers minimum-coverage for drivers who only need to be street-legal
  • Online payment options
  • Available in multiple states
  • Spanish speakers available
 Cons

  • Some customers found the claims process to be cumbersome and time-consuming
 Bottom Line

American Freedom Insurance offers the minimum liability insurance drivers need to stay street-legal. The company does business in Illinois, Indiana, Pennsylvania and Tennessee. Online quotes and payment portal are available.

 Source: https://bit.ly/2AaGXMn
 

NetQuote.com

NetQuote is an online insurance shopping service that offers rate comparisons and the ability to sign up for auto insurance. It has been offering rate comparison services and access to top insurance companies since the 1980s.

Pros

  • Compare top companies at one time
  • Only fill out one quote form
  • Save $500 or more
 Cons

  • You still have to contract with the individual company to actually get coverage.
 Bottom Line

If you’re looking to get the scoop on multiple insurance companies at once, NetQuote provides a free service to get quotes online. By filling out one form, you can get up to 10 policy quotes in just four to six minutes.

Source: https://bit.ly/2EGyHrb
 

Grundy

Grundy has been in the auto insurance industry since its inception in 1947. The company is widely known for specializing in collectible car insurance and invented the Agreed Value Insurance policy.

Pros

  • Ideal for those who own collector or antique cars
  • Choose your own repair shop
  • Coverage for a variety of vehicles available
 Cons

  • Designed for luxury and antique vehicles, not standard drivers
  • Not ideal for those looking for minimum or basic coverage
 Bottom Line

Grundy can offer a much lower rate than national competitors for a luxury product, even for a policyholder with multiple vehicles and an antique car. Grundy offers a multitude of plans, protection for personal property and pets, and travel insurance.

Source: https://bit.ly/2ByyCSJ
 

Hagerty

Founded in 1984 and headquartered in Michigan, Hagerty started as a small family owned insurance company for boats. They now offer a wide variety of classic cars, boats, trucks, motorcycles and motorsports insurance.

Pros

  • Roadside assistance available 24/7
  • Stock replacement parts used by reputable mechanics
  • Options for those who own antique cars, but also other unusual vehicles
  • No mileage restrictions
 Cons

  • Some customers find their policies confusing
 Bottom

Customers report genuine customer service and prompt responses from Hagerty. One reviewer who owns a classic car said the company took extreme care when responding to the claim.

Source: https://bit.ly/2LrZcBd

 

J.C. Taylor

J.C. Taylor, founded in the mid- 1950’s, has become one of the biggest insurance companies for antique and specialty automobiles. They are known nationally because of their support for local and national antique automobile clubs.

Pros

  • No mileage limitations for classic cars
  • Travel coverage available
  • Online quotes available, even for specialty or antique automobiles
  • Great for drivers with clean driving records
 Cons

  • Classic cars have to be at least 19 years old
  • Vehicles must be primarily hobby automobiles to qualify for coverage
Bottom Line

J.C. Taylor has insurance for classic and antique cars that are 19 years or older. They also offer modified auto insurance for specialty, non-stock vehicles like hot rods, custom cars and replicas.

Source: https://bit.ly/2V2eXDl

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What is the best and most affordable car insurance?

The cheapest auto insurance always depends on two things, you and the car you want to insure. Insurance rates are determined by risk, and if you keep your car and you at low-risk, your rates will be lower. When searching for the best deal keep in mind that comparing rates, is only the beginning of the process. Talk to agents about discounts for better deals, and use preventative measures to keep your costs at minimum.

Compare Insurance Companies

The easiest way to find the cheapest auto insurance, is by starting with a comparison. This is usually done on the Internet. Many companies and/or websites will allow you to put in your information, and get instant quotes from several companies. Choose the insurance package, that is the minimum required for your state, and go from there adding the options you desire.

An Agent May Have the Cheapest Auto Insurance

Many times after ordering insurance on the Internet, a letter is issued with a corrected amount. This can be because the state was wrong in the system, the driving records weren’t checked, or all of the car information wasn’t correct. An agent is usually more reliable, when the actual purchase of auto insurance is made. They will also be up front about discounts, when you ask.

Discounts

Always ask an agent for a list of available discounts. Even if you don’t qualify for them, you should still ask for a list. You may be able to take a quick class, or install a cheap alarm system in your car, to get the cheapest auto insurance. If you haven’t purchased a vehicle yet, and are still shopping around, ask an agent what the cheapest vehicles are to insure, and start your search for a new car.

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