Are you searching for a site where you can compare different car insurance quotes? The majority of people will have to decide when buying a new car or when renewing our auto insurance yearly.
Auto insurance companies should really make it easy for us to find their terms and conditions, but they don’t. Many fancy commercials and shiny ads can take you away from reading the obnoxious fine print in your insurance contract.
After deep research, and reading lots of comments and reviews, I reached the following list of companies where you can find the best place for car insurance quotes.
Without any further delay, here are the top 10 companies to buy auto insurance from. Hope you find something useful, cheap, and valuable to you and your car.
#10 GEICO
The GEICO Marketing team definitely has some of the best insurance rates that I’ve seen.
GEICO is a powerful household name. They offer excellent customer support and car insurance.
I calculated an average premium of $1,356 for a regular car nationally. That price falls under the cheapest insurance quotes category found in the US. The monthly premium comes to $113.
Moreover, GEICO also offers several discounts. For example, motorists who haven’t had an accident during the span of 5 years are eligible for the “good driver” discount of up to 26%. If you bundle up and insure more than just one car then you can save up on your premium as well.
#9 USAA
With a stellar customer service rating, USAA has won the hearts of lots of Americans over the years. At just $943 per year, USAA offers one of the cheapest car insurance rates in the country.
USAA has coverage in every one of the 50 states and Washington, D.C. Likewise, as with the other insurance providers, you can save some dollars out of your insurance quote by having a clean 5-year record and passing a defensive driving course as well.
#8 Progressive
The rates quoted by Progressive were an average of $2,930 per car per year, which is more than GEICO, State Farm, and USAA.
But you shouldn’t be afraid of quoting from Progressive just by their relatively higher insurance premium. My favorite side of Progressive is that everything can be managed through their online site. That could save you from all the printed paperwork and long agent calls. Yes, you can even sign all the documents digitally and online.
#7 Allstate
Allstate does have a higher premium coming in at $3,307 (or $275 monthly). The top discounts offered by Allstate are safe driver discounts, accident-free history discounts that can go as long as five years.
#6 Amica Car Insurance
Amica is counted among one of the leading insurance companies in the US.
The price average on their website was about $2,795 which comes out to about $232/mo. You can save if you have Anti-theft protection in your car, drive defensively and get more than one line of insurance with them. They also offer loyalty incentives if you stay with them for more than 2 years.
#5 State Farm
State Farm is another best option when it comes to nationwide car insurance. This insurance company delivers solid value for your money. They also capture the largest market share in the US, serving every single state from California to Florida to Washington.
With an average quote of $2,192 annually, it’s a little pricier than GEICO but still cheap compared to other insurance providers. The policyholders can significantly curtail their costs by doing many qualifying activities.
The State Farm website shows different discounts that you may benefit from.
#4 Mercury
Mercury is a popularly known car insurer in California. The company also offers insurance in 10 other states including Nevada, Texas, Arizona, and New York.
The people's reviews appear to be mixed so it seems more like a toss-up, but at $1,860 per year, it may not be too bad at all.
#3 New Jersey Manufacturers NJM
NJM operates in only two states: Pennsylvania and New Jersey. If you are fortunate enough to be located there, then this insurance company might be a good choice for you.
With a quote of just $1,560, the New Jersey Manufacturers' insurance company offers a good deal when it comes to getting your auto insured. The premium of just $130/m covers accident damages and car theft. They also offer home renters insurance.
#2 Ameriprise Financial
Ameriprise is a good option for auto insurance. It became an independent company to better serve its customers. They have more than 2M clients.
Ameriprise’s auto insurance operates in only 14 states: Alabama, Delaware, Hawaii, Arkansas, Idaho, Iowa, Kansas, Mississippi, Missouri, Nebraska, New Mexico, Oklahoma, South Dakota and Tennessee.
If you complete the online form for car insurance then you will get a quote around the $2,201 figure. A big advantage of this company is that they offer one of the best discounts when it comes to being loyal and having tenure with them.
#1 Erie Insurance
Erie Indemnity Company is a very good choice when it comes to protecting your auto. The average quote amount is $2,405 per anum. They offer some extra benefits that are not offered by many other companies such as: pet injury coverage, accident forgiveness, and diminishing deductibles (a deductible that reduces each year by $100 if you don’t file a claim).
Erie runs in the following 12 states: North Carolina, Virginia, West Virginia, New York, Maryland,, Pennsylvania, Wisconsin, Indiana, Illinois, Ohio, Kentucky, Tennessee.
Ways to save money while shopping for car insurance
Find multiple insurance quotes
The easiest way to get a lower rate on your car insurance is to shop around. The further quotations that you get the further logrolling power you can have over the insurance agent on the other side of the phone. You may also conclude to work with an insurance broker to help you with getting multiple quotations. Since they're more educated, they can speed up the process much hastily. Hourly, they also might have access to exclusive deals.
Laboriously look for abatements
The coming tip is to ask for abatements. Tell your broker your exact requirements and ask for any implicit abatements you may qualify, you'll be surprised but more frequently than not you can score at least 5 of your policy veritably fluently. You can also install the chrome extension Honey to search for reduction canons and tickets on all the popular spots listed over.
Here’s a short list of common discounts that most firms will offer:
- Multiple policies with the same company
- Anti-theft security devices
- Defensive driving lessons
- More than one car
- No accidents in three/five years
- No moving violations in three/five years
- Student drivers with good grades (usually B grade or above)
- Low annual mileage
- College students living away from home
- Drivers ed courses
- Long-time customer (Loyalty)
Pick a higher deductible for a lower rate
While this option might not make sense for everyone, if you're comfortable with paying further out-of- fund should any accident do also you can lower your rate that way. Make sure that you can cover the deductible before you agree to it.
Take a Bundle and save across
Utmost of the companies listed above offer not just auto insurance but also home insurance and lifeinsurance.However, you'll most probably get a pack reduction, If you end up copping further than one service from them.
If your life changed, so should your insurance rate
Numerous insurance companies offer reductions for major events in yourlife. However, ask for any wedded couple abatements, If you just got married. However, mention this to your insurance establishment, If you just moved into a further civic megacity with public transportation and as a result, you'll drive lower.
Know if you should stop paying for comprehensive and collision
Comprehensive and Collision coverages are there to repair or replace your auto if it is stolen or damaged in an accident, irrespective of who is at fault.
The rule of thumb when it comes to comp and collision is that if you are paying more than 10% of your vehicle’s value then you should just assume the liability coverage.
Conclusion
I hope you found this article of best car insurance companies useful and that you make the best decision that you drive safely and relieved knowing that you are insured with a policy that satisfies your needs.
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Which insurance company do you use to protect your auto?
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