Can I depend on a discount auto insurance company?

When buying auto insurance, do your research. Ratings sites such as A.M. Best and the BBB will give you a good idea as to whether a company is reputable.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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 and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

    • Geico and Progressive are the top two discount auto insurance companies
    • JD Power and Associates is a good source to find customer satisfaction surveys and rankings for auto insurance companies
    • There are four other customer review sites that we recommend for researching auto insurance companies
    • Ultimately, you should thoroughly research an auto insurance company before purchasing a policy and periodically review your rates and customer satisfaction

Many people who consider purchasing discount auto insurance wonder if a cheaper auto insurance company will have their back in case they need to file a claim.

In short, it depends on the auto insurance company.

For example, Geico is known as a discount auto insurance company, yet Geico is consistently rated well in consumer studies of customer satisfaction.

Try our FREE online quote tool to find discount companies that offer the coverage you need. Enter your ZIP code below and compare at least three to four policies today!

How Car Insurance Companies Are Evaluated

JD Power and Associates regularly surveys a random sample of auto insurance consumers with regards to their satisfaction with their auto insurance providers.

Geico usually rates in at least the top 10 auto insurance companies for customer satisfaction.

One of Geico’s marketing strategies is to convince auto insurance companies to compare Geico rates to the customer’s current auto insurance company’s rates.

Many people have switched to Geico because of this massive marketing campaign. However, if Geico did not take care of their customers, many people would just go back to their former providers.

Geico is apparently one of the discount auto insurance companies that are trustworthy and takes good care of its customers.

Progressive is another discount auto insurance provider that tends to be highly rated and reviewed in a positive light by customers.

However, other discount auto insurance companies rate much lower on customer service metrics. 21st Century is a discount auto insurance provider that tends to rank low in relation to customer service and satisfaction.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How to Research Discount Auto Insurance Providers

One way to research auto insurance companies before you purchase a policy is to examine customer satisfaction surveys, such as those conducted by JD Power and Associates.

JD Power and Associates is a well-respected market research firm that evaluates many types of companies, including auto insurance carriers.

JD Power and Associates conducts market research studies that are unbiased and scientific. Many companies, including auto insurance companies, seek to be high on the JD Powers Best lists.

Not only does being ranked high by the agency make a statement about how customers view the company, but a high ranking is also a great marketing tool for those highly rated companies.

In addition to scientific market research studies, many company review sites allow customers to post reviews about various companies, including auto insurance providers.


Where the Rubber Meets the Road

The best way to find out if a discount auto insurance company will have your back in case you need to file a claim is to thoroughly research the company before purchasing a car insurance policy.

Of course, you will never know for sure unless or until you need to file a claim.

Should the unforeseen happen, and you need to file a claim with your discount auto insurance provider, you will know right away if they have your back.

You should periodically review your rates and customer service and switch auto insurance companies if needed.

Hopefully, enough research before purchasing your policy in combination with selecting a reputable discount auto insurance provider will ensure that you are well-taken care of in case of an accident or if you are the victim of auto theft.

Customer Review Sites

Some popular sites that post customer reviews and comments about business practices, including auto insurance companies, are:

The Better Business Bureau provides a database that allows users to search for a company in their area.

The Better Business Bureau gives the user the chance to examine not only an auto company, but also the particular agents and offices in their area.

Navigate to the site and type “auto insurance” and your City and State into the Search box. A list of car insurance agents in your geographical area is then revealed.

Click on the entry for each office to read the reviews about that office or location.

Created in 1999, is one of the most established and reputable customer review sites.

Search for the auto insurance company you wish to review on the site and read what customers are saying about the company. researches companies including car insurance providers and then lists customer reviews for the Top Ten.

The Top Tens is a great site for finding the best of the best for any company. is a newer customer review site, but one of the distinguishing factors about this site is that the moderators use customer reviews to rank companies.

Find useful customer reviews, as well as company rankings with this site.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Shop Around for Discount Auto Insurance

Once you have researched the various discount auto insurance companies and their customer service, shop around for the best policies and rates between these companies.

Even though you are considering discount auto insurance companies, don’t forget as well that cost is not the only factor. You should also consider what type(s) of coverage you actually need.

After taking that into account, along with reviews and ratings provided to you from the aforementioned sources, you will be able to make the best choice.

Enter your ZIP code below to start comparison shopping today! Find the best and most affordable auto insurance rates in your area!

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption