The best car insurance companies are able to pay out claims quickly and efficiently. They also offer a wide range of discounts and provide helpful resources for drivers.
When comparing rates, carefully review policy details including deductibles and coverage limits. Also, be sure to consider how each provider handles at-fault accidents.
Progressive
When you start your quote, you will be asked to provide a few pieces of information to Progressive. They will need to know your name, birthday, and address (zip code, please). They also need the year, make, and model of the vehicle you are insuring. If you can give them the VIN, it will be even better.
The company offers several options to help you save money on your premiums, including a deductible savings bank that decreases the cost of your insurance every six months, and small accident forgiveness for drivers who don’t have any accidents or violations over three years. In addition, they offer roadside assistance, which includes towing service, flat tire change, battery jump-start, locksmith service, on-scene labor and emergency gasoline delivery.
Progressive has a reputation for good customer service and competitive rates, but some customers complain about price hikes year after year. They also complain about the company’s obfuscation when it comes to their claims.
Despite these complaints, the company still has a very good rating from AM Best, one of the leading credit-rating agencies. The company also has a high level of financial strength and demonstrates a strong ability to meet its financial obligations. This is the most important factor when choosing a car insurance company.
Auto-Owners
Founded in 1916, Auto-Owners is one of the largest and oldest insurers in the country. Its long history and strong financial standing have earned it high ratings from the best rating agencies. Its excellent claims processing and customer satisfaction scores have helped it earn a reputation as a trusted company. Its auto insurance policies are available in 26 states.
Its Auto-Owners Car Insurance offers a variety of coverage options, including personal auto plus package and accident forgiveness. It also offers discounts for mature drivers, multiple vehicles, and company cars. Additionally, it offers a range of coverage for pets and homes, as well as travel interruption coverage. Its auto insurance rates are fairly competitive. It is recommended that you shop around to get the most affordable auto insurance rates.
Auto-Owners has been rated A+ (Superior) by AM Best for 49 consecutive years, which is the highest possible rating. However, there is not much information about the carrier’s claims process on its official website. Also, its complaint index rating from the National Association of Insurance Commissioners is lower than average. However, it still is a great option for those looking for a stable carrier. Customers should contact their independent insurance agent for more information about the carrier’s coverage. They can offer a personalized experience that will help them choose the right policy.
Erie
Erie car insurance is one of the best options available for people who want to avoid paying high rates for small claims, like fender benders or minor damage. The company offers a variety of features to help you save, including first accident forgiveness and a diminishing deductible option. Additionally, you can get more discounts for staying claims-free with the Safe Driver Discount. The company also provides a rate lock option that will prevent your auto policy from increasing every year, unless you change your driving record or add or remove vehicles or drivers to the policy.
The company also offers additional coverage, such as roadside assistance and sound equipment coverage. Its Auto Plus product also offers increased coverage limits, as well as a death benefit that pays up to $10,000 to cover funeral expenses and other medical bills after an accident. The company is based in Pennsylvania, but it operates in 12 states and the District of Columbia. Its customer satisfaction ratings are very high, and it has excellent financial scores. However, its website lacks some of the online tools that competitors offer.
The company’s claims personnel are very helpful and treat you like family. They never tell you to take your vehicle to the repair shop they deal with, and they always try to save you money by finding the most cost-effective solution.
Geico
Geico is one of the best car insurance companies out there, offering average to cheap rates and a solid customer service. They also have a wide variety of discounts, including those for safety features and driving habits. Geico also has a great app that lets you manage your policy from anywhere. However, they do have fewer in-person locations than other major insurers like State Farm.
Geico offers a full range of coverages for your vehicle, including collision and comprehensive. Collision covers your vehicle when you are at fault for an accident, while comprehensive covers other incidents that may occur on the road, such as weather events, theft, and hitting an animal. Geico also provides uninsured motorist coverage, which protects you if the other driver doesn’t have insurance.
GEICO has a reputation for excellent customer service, and they were ranked high in the J.D. Power 2021 auto insurance customer satisfaction study. They also have lower rates than other competitors, and they have a low number of complaints nationally. In addition, they offer a variety of discounts, such as those for military personnel and federal employees, which can help drivers save money on their premiums. Lastly, they offer a variety of optional coverages, such as mechanical breakdown coverage and roadside assistance. These options are available at an additional cost, but they can make a huge difference in your wallet.