What are the best auto insurance companies?

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Things to Remember...
  • There are a variety of different factors to consider when you are choosing an insurance company
  • Having flexible policy and payment options can be important depending on your needs
  • Compare several different insurance providers before choosing one to purchase a policy from

Essentially, a good car insurance company is one that performs its task of covering you in the case that an accident should take place.

Still, not all car insurance companies are created equal, and some do a better job at performing that task than others.

While price is definitely a factor in choosing the best car insurance company for you, there are a lot more things to look at to ensure you are getting the best car insurance rates for the best deal.

Below are some basic things to look for in a car insurance company.

Enter your ZIP code into our FREE auto insurance comparison tool to compare rates.

Stability

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Although older doesn’t always mean better, the older your insurance company is, the more stable it will most likely be.

Older insurance companies will also be less likely to collapse and leave you hanging.

Older, more stable companies generally provide a more reliable service and can be counted on not to pull any tricks out of their sleeves just when you are facing a difficult moment.

Look for companies that have earned steady, stable, and cautious growth over prolonged periods of time.

These are worth their weight in gold because they are most likely companies that are interested in helping their customers and providing fair and exceptional service.

Multiple Policy Options

Car insurance companies that offer more options are more likely to be able to help you find a policy that is exactly suited to your needs.

A policy that is more closely matched to a specific vehicle or type of driving will almost always better fill the needs of and be a better deal for the policyholder.

Insurance companies that offer plenty of options are also more likely to work closely with you as an individual to make sure that the coverage you choose correctly covers all your needs.

Try to stay away from auto insurance providers that offer few policy options, as these tend to treat their customers like nothing more than statistics on a page.

Insurance companies that care enough about the well-being of their customers to provide specific and tailor-made policy options are more likely to come through for their clients in times of difficulty.

They will also be a lot less likely to try to cheat you out of a settlement if you should ever have an accident.

Excellent Claims Service

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It is not always easy to find an insurance company with an excellent claims service, but it is definitely worth it when you find one that does.

Great auto insurance claims services are those that specialize in quality repairs and do their best to get your car up and running again as fast as they can.

Repair shops should be screened and qualified ahead of time by the insurance company to ensure that the very best service is granted to all customers.

Ask potential auto insurance providers about their claims service and how they select the repair shops they use.

Some of the best car insurance companies even have programs or websites in place to help you keep an eye on the progress of your car’s repairs from the comfort of your home.

Discounts and Rewards

Many of the great car insurance companies take advantage of every imaginable excuse to offer their customers a variety of discounts and rewardss.

Installing an anti-theft device on your car or taking a defensive driving class may earn you generous helpings of discount.

Registering with any one of the safety or accident prevention organizations with which the insurance company is partnered could also save your money.

Some auto insurance providers offer even further automobile insurance discounts on your policy if you remain accident-free for a certain period of time.

Really great providers may even choose to reduce your deductible annually if you haven’t gotten into any accidents. Choosing an insurance company that is generous with its discounts can help you save big.

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Quality Customer Service

For many people, the make or break factor in choosing their insurance company will be how they are treated by the company. No one wants to be just another client in a sea of faces.

The quality of its customer service branch is an important factor when choosing a car insurance company.

Make sure that the company you choose has a solid network of customer service with polite, efficient attendants and short lines.

For customer service over the phone, make sure the company has phone lines open 24 hours a day, seven days a week.

You also want to make sure that you won’t be put on hold for too long, especially when calling your insurance company at the scene of an unfortunate accident.

No Hidden Fees

A great insurance company will not try to finagle you out of your money through hidden fees and tricky pricing schemes.

Although these can be difficult to uncover, it may be worth it for you to read the fine print before entering into any kind of contract.

Great Customer Ratings

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The best auto insurance companies have devoted customers who love them and stick with them through thick and thin.

If you are new to the ins and outs of auto insurance companies, look for providers with great customer ratings.

There is a large variety of consumer rating websites that rely on customer reviews and recommendations to provide accurate and reliable ratings of auto insurance companies.

These sites rate auto insurance companies on factors such as:

  • Overall customer satisfaction
  • Policy offerings
  • Policy prices
  • Payment flexibility and billing options
  • Customer service

If you are clueless about which auto insurance company to use, refer to an auto insurance provider rating website to give you a better picture of the strengths and weaknesses of the insurance companies in your area.

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