Can I depend on a discount auto insurance company?

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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

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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 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.

How to Research Discount Auto Insurance Providers

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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.

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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

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

BBB.org

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.

Epinions.com

Created in 1999, Epinions.com 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.

The-Top-Tens.com

The-Top-Tens.com 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.

ViewPoints.com

ViewPoints.com 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.

Shop Around for Discount Auto Insurance

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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!

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