Best Auto Insurance Companies That Don’t Use CCC Actual Cash Value (2021)

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 22, 2021

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Things to Remember

  • CCC Information Services works with many major insurance companies to provide valuations for totaled vehicles
  • CCC cash value estimates are often low due to its internal valuation method
  • Shopping online can help drivers find local, independent agencies that don’t use CCC Information Services

 

When you were first shopping for the safest family cars, you may have used a resource like Kelley Blue Book to ascertain the value of certain vehicles you were interested in. However, if you’ve been in an accident, your insurance company will use another system to find the value of your car. 

CCC Information Services Inc. is a company that provides reports on vehicle values to many major insurance companies. Unfortunately, this company usually calculates low ball offers for their insurance company clients, leaving drivers with the short end of the stick.

Most insurance companies have found that when it comes to using CCC car value vs. Blue Book for car value reports, CCC can save them money. 

If your vehicle’s just been declared to be a total loss, you should hopefully receive a fair offer from your auto insurance company, but auto insurance companies that don’t use CCC’s actual cash value are few and far between these days. 

Don’t be cheated out of a fair offer for your totaled vehicle by a CCC car value estimator. The more information you have on how to combat an unfair offer, the sooner you’ll be able to receive a settlement that you actually deserve. Keep reading to learn more.

If you would like to get auto insurance quotes from auto insurance companies that don’t use CCC’s actual cash value, you don’t have to wait. Enter your ZIP code above to receive quotes from auto insurance companies that don’t use CCC’s actual cash value today.

 

What are the best auto insurance companies that don’t use CCC’s actual cash value?

While it isn’t a sure bet that you’ll find affordable auto insurance with auto insurance companies that don’t use CCC’s actual cash value, working with such a company could give you some peace of mind knowing that you’re more likely to get a fair offer for a totaled vehicle.

The following two car insurance companies do not use CCC’s services:

  •   The General
  •   SafeAuto

As you can see, CCC has quite a hold on the insurance market, but the good news is that drivers with SafeAuto only pay about $156 per month on average.

To increase your chances of avoiding a company that uses CCC’s actual cash value, shop online to find out local, independent insurance agencies in your area.

Which auto insurance companies do use CCC Information Services?

While you may want to examine the auto insurance rates of auto insurance companies that don’t use CCC’s actual cash value, finding such companies could be difficult. CCC has a tight grip on quite a few major insurance companies.

Here are just a few of the auto insurance companies that do use CCC’s actual cash value:

  •   Nationwide
  •   GEICO
  •   Allstate
  •   Commerce
  •   Amica
  •   Liberty Mutual
  •   Farmers
  •   USAA

While most of these larger auto insurance companies offer competitive rates, they may not offer you fair compensation if you total your vehicle in an accident.

If you drive a newer or classic car, you may want to shop for quotes from smaller car insurance companies that don’t use CCC’s actual cash values.

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How does CCC Information Services value your vehicle?

What values do insurance companies use to total a car? Typically if the cost to repair your vehicle is more than the cost of the vehicle itself, or if the vehicle is unsafe to drive, your vehicle is considered totaled.

With such parameters as these, drivers and insurance companies can usually agree when a vehicle is totaled, but what auto insurance issues are there when a car is totaled?

Well, receiving an accurate settlement for your totaled vehicle is when things can get tricky, especially if you unwittingly decided not to buy auto insurance from auto insurance companies that don’t use CCC’s actual cash value.

CCC uses an internal valuation method that doesn’t appraise your car, but rather, appraises an essentially mythical vehicle. Instead of just finding three other vehicles that are comparable to yours, CCC gathers information on as many vehicles that are the same year, make, and model as it can. Then, after discarding any that CCC has determined were oversold, an average is run to determine the cash value of your vehicle.

Can I dispute an unfair auto insurance settlement offer?

If you have an insurance policy with any company that uses CCC’s actual cash value and you think you were offered an unfair settlement for your totaled vehicle, you should not be afraid to fight it.

According to WBUR News, even the Massachusetts Division of Insurance began investigations into CCC after allegations that drivers were facing intense financial losses due to their valuation method.

You can take these steps to fight for the settlement you deserve:

  •   Reject the first offer
  •   Request all the valuation documents
  •   Study the vehicles used in the valuations to make sure there are no low priced outliers
  •   Demand that your vehicle be used in the valuations process, especially if you had improved the vehicle after purchasing it

What You Need to Know about Auto Insurance Companies That Don’t Use CCC’s Actual Cash Value

Now that you’re armed with the knowledge of how many major insurance companies value your totaled vehicles, you’ll be able to fight back against unfair settlement offers. If you’d like to avoid dealing with CCC’s cash value estimator altogether, then look for auto insurance quotes from local companies that don’t use CCC Information Services. 

Ready to buy a policy from auto insurance companies that don’t use CCC’s actual cash value? Get free insurance quotes from local providers in your area with our comparison tool below. Enter your ZIP code to get started. 

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