Everybody wants the best protection money can buy, buying an auto policy from one of the best car insurance companies is essential. By buying a high-quality policy from a reputable provider, one will gain both peace of mind and protection from life-changing financial losses.
While there are plenty of companies to choose from, the best car insurance companies offer certain features that help them stand out.
Looking at some auto insurance related studies, including J.D. Power’s 2016 Auto Claims Satisfaction Study. From those studies, the list of best automobile insurance was found:
They are as follows
- Liberty Mutual;
- Allstate Insurance;
- Auto-Owners Insurance;
- State Farm;
- The Hartford;
Progressive Insurance is a well-known company (largely due to its catchy branding efforts), and they have a solid base of customers who seem quite happy with their products. Although they didn’t receive the best marks possible from J.D. Power’s 2015 Claims Study, they come in extremely competitive when it comes to pricing, among other things.
This means roughly 1 in 10 drivers in America has chosen Progressive over all the others. Stack on an exquisite lineup of discounts like the safe driver discount, pay-in-full discount, a multi-car discount, their multi-policy discount, and more.
Liberty Mutual Insurance
Founded in 1912, Liberty Mutual Insurance insures more than 1.5 million vehicles and has some of the top customer service ratings.
Reasons to like Liberty Mutual:
Ranked “among the best” by J.D. Power’s 2016 U.S. Insurance Shopping Study
Great standard coverage, as well as the option to add:
Accident forgiveness: one’s insurance rates won’t go up when he/she is involved in first accident.
New car replacement
Better car replacement: the individual will be reimbursed for a car that is one model year newer and 15,000 fewer miles than his/her totaled car.
24-hour claims service.
If looking for a car insurance company that offers high-quality insurance policies with the opportunity for discounts, Allstate Insurance should be on the shortlist. Allstate received fairly high ratings across both studies mentioned in this article, with its highest marks received from customers who reported a positive rental car experience.
Allstate Insurance offers the best of both worlds when it comes to the user experience. With brick and mortar offices and agents placed all over the country plus a user-friendly and helpful website, customers have the opportunity to get in-person help or access information online at any time.
Reasons to like Allstate:
Most areas have a physical office and local agents
Multiple opportunities for discounts for bundling, anti-theft devices, and passive restraint
While Auto-Owners Insurance keeps a fairly low profile, they receive extremely high marks across the board. In fact, J.D. Power awarded Auto-Owners Insurance the highest rating in their 2015 Auto Claims Study, with a 5/5 in every category except for rental car experience. That puts Auto-Owners Insurance ahead of the pack in terms of overall customer satisfaction whenever a claim is filed.
The fact that Auto-Owners Insurance has been around since 1916 should also put consumer’s minds at ease. During that time, they have exhibited financial stability consistently. Auto-Owners Insurance also has 6,300 independent agents, meaning the individual can buy a policy directly from an individual who understands his/her needs.
Reasons to like Auto-Owners Insurance:
High ratings for customer service and claims experiences
Individual agents who care
Variety of discounts available
Founded in 1922, State Farm Insurance has a history of financial stability and customer service satisfaction. With physical offices and agents dispersed throughout the country, State Farm is also known for offering individual service that simply cannot be matched by online-only firms.
The company’s biggest benefits include its brick-and-mortar stores and agents, the many discounts it offers, and its well-built mobile app. State Farm also makes it easy and painless to get quotes online, which means you don’t have to head into a local office if you don’t want to.
Reasons to like State Farm:
Local offices and agents provide in-person help
Great mobile app and website
Plenty of discounts available
With more than 200 years of history in business, The Hartford has built an excellent reputation for customer service and claims processing. As of today, the company is still receiving high marks from companies like J.D. Power.
Although The Hartford is an old company, they still offer some of the best technology in the business. Using their website, you can shop around for and even apply for a new policy. Plus, you’ll have 24/7 access to agents either on the phone or online.
Reasons to like The Hartford:
Multiple policy discounts
Top ratings for claims management
Guaranteed renewals of your policy as long as you can drive
One of the main advantages of buying auto insurance through Esurance (owned by Allstate) is the individual has the control and flexibility to build a policy which fits his/her needs. Esurance was one of the first companies which start selling directly to the customer instead of going through an agent.
They have made it incredibly simple to customize the plan, get a quote, and get approved for protection. The problem with all the customization and convenience is it’s going to come at a price.
Esurance says they are the “insurance for the modern world,” and they truly are. They let anyone get a quote as long as he/she has an internet connection. The days of going into an insurance office are long gone. Now one can get an insurance policy without having to spend hours on the phone.
Reasons to like Esurance:
Quick and easy access to auto insurance
The first thing one should know is QuoteWizard. They are a tool which can help one get several quotes all at once. In fact, they are the largest independent insurance lead company in the United States.
If an individual decides to use QuoteWizard, they make it extremely simple to find auto insurance plans to meet his/her needs. Every insurance company is different, all of them are going to have different products, riders, and rates. As an added bonus, he/she can also get quotes for homeowner’s insurance or life insurance.
Reasons to like QuoteWizard:
QuoteWizard lets one get several auto insurance quotes in a matter of minutes
Save time and money
GEICO is a well known automobile insurance company. Their lizard-like mascot is one of the most recognizable insurance company spokesmen (spokes-lizard?). Just because they are one of the most recognizable doesn’t mean they are the best option.
They have a quote tool one can use on their website to determine how much he/she will pay for his/her plan. He/she can also submit a claim or make a payment through their website as well.
There are a lot of benefits of having an auto insurance policy through GEICO. The individual will have access to several additional coverages he/she can add:
Emergency roadside assistance
Auto Repair Xpress
All of these benefits are going to impact monthly premiums. Some of them are more affordable than others, but they can be a great way to get the most out of auto insurance coverage.
Reasons to like GEICO:
Excellent customer reviews
In addition to policies that can be tailored to one’s unique insurance needs, they generally offer superior customer service, an up-to-date website where one can pay his/her bill or check his/her policy details, and a top-notch claims process that makes recovering from an auto accident as seamless as possible.