Which car insurance companies are good?

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Things to Remember...
  • Before you decide which company is good for your needs, you need to determine what your needs actually are.
  • Auto insurance companies differentiate themselves by price, policy options, and size.
  • The cheapest insurance policies tend to be focused exclusively on drivers with sterling records and low accident risk factors.
  • If you live in a high-crime area, you may want to purchase comprehensive protection for theft or vandalism.
  • How big or small your insurance company is will depend entirely on your own personal philosophy, the security you desire in your company, and the level and type of customer service you expect.

When considering all the auto insurance providers out there, your first question should be about which one meets your needs. There are so many different types, sizes, service models and coverage options because each person has different needs.

Some people are more concerned with customer service, some are more concerned with price, and some simply want the best policies that money can buy.

Before you decide which company is good for your needs, you need to determine what your needs actually are.

Most people want all of these things, but they may have distinct feelings about whether an inexpensive auto insurance company has enough coverage or what makes for good customer service.

If you’re interested in customer service as well, you can look at the names that come up in your price range and do some research on each one. Use this article as a reference to help you think about what different auto insurance companies do differently.

While there are dozens, if not hundreds of insurance providers in the United States, and while they may all start to look the same after awhile, the truth is that they are all quite different.

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Auto Insurance Company Differences

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Auto insurance companies differentiate themselves through three main categories. These categories roughly represent your needs as a customer:

  • Price
  • Policy Options
  • Size

Price

The price of auto insurance varies from state to state, city to city, car to car and driver to driver as well as from company to company. It is nearly impossible to determine the price of an insurance policy without applying for a quote.

Some auto insurance companies are geared toward a particular type of driver and adjust their rates accordingly. For instance, the cheapest insurance policies tend to be focused exclusively on drivers with sterling records and low accident risk factors.

If you drive a safe car, live in a safe neighborhood and fit certain demographics such as “over 25,” “low car usage,” or “has children,” you may be able to use these companies to get great deals.

On the other hand, some companies are geared toward high-risk individuals with poor driving records or accident-prone demographics. These companies offer comparatively low rates, making them a better choice for high-risk people to choose.

Policy Options

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Certain companies specialize in certain types of policy. For instance, some budget insurance providers only offer bare bones liability policies. This minimal product offering helps them keep prices low.

However, if you’re looking for more extensive coverage options, you may need to choose a different company. Others focus exclusively on high-end policies but advertise themselves as offering low prices on collision, comprehensive or other additional coverage options.

Think about the sort of policy you want to purchase before looking for the best auto insurance company for your needs.

If you live in a high-crime area, you may want to purchase comprehensive protection for theft or vandalism. If you live in an area with a lot of uninsured drivers, consider getting uninsured motorist coverage.

If you are only getting insurance because you want to be compliant with state laws, a bare bones policy is all you need.

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Size

There are large, nationally recognized auto insurance providers, there are mid-sized, regional insurance providers, and there are small local insurers.

How big or small your insurance company is will depend entirely on your own personal philosophy, the security you desire in your company, and the level and type of customer service you expect.

When you choose a large insurance company, you are choosing a well-established provider that is less likely to fail or go under. The downside to this decision, of course, is that the level of customer service might be lacking.

Even in big companies with stellar customer service training, you will still be treated as just another customer. With a small local business, every customer almost feels like family, and the provider will do his or her best to accommodate unique needs.

With a small provider, you get more personalized service, but you also run the risk of their business failing. Small businesses are always more difficult to keep afloat than major, established providers.

It may also be more difficult to do certain automated procedures like online bill payments. Finally, while all large providers are more or less the same, small providers vary depending on the personality and work ethic of the founder and smaller staff.

You will need to do more research and judge from phone conversations whether or not to sign with a small insurance company. However, the payoff in terms of customer service and local business support may be worth it to you.

Depending on a particular company’s size, prices and policy options, you may choose it to be your insurance provider, or you may opt to keep looking. Let us help you reduce the time you spend looking for an insurance company.

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