To Top

Everything You Wanted to Know About Auto Insurance, – Practical Steps How to Get Best from the Top 7 In America

Auto Insurance is vital, and as a car owner, you need a policy to insure both you and your car. The coverage comes in handy if your car gets damaged or stolen.

With that said, the best way to find coverage is to seek out a client-oriented insurer. An ideal car insurance company is one that helps you in both good and bad times. More often than not, when you search for an insurer, you focus on the price. The car insurance firm with the cheapest premium rates and a friendly salesperson seems like the right one. However, don’t let the price and friendly service deceive you. You don’t want to make a mistake by not doing enough research.

The Ugly Truth

Truth be told, the rates for insuring your car aren’t the most critical aspect to consider. Instead, you should research other areas such as the withdrawal process to find out if the insurance company is right for you.

Furthermore, there are lots of car insurance companies out there. A handful of these offer the lowest rates on the market. On the other hand, some have sky-high quotes that’ll make you cringe. That rate depends on lots of factors like age, car type, and location. There are those with lots of service options and those with relatively limited insurance contracts. So, how do you narrow down your search for the best? That is, without sacrificing your chance to the best auto insurance experience and car coverage? You are about to find out.

How to Choose the Best Auto Insurance Company for You

It is evident that picking out a car insurance firm can be arduous and downright frustrating. Furthermore, that worsens when you have no rightly informed hand to guide you. Nevertheless, you must first conduct the needed research for auto insurance firms around you. That’s if a salesperson does not woo you, already. Afterward, you must streamline your search for the best fit based on service quality. As if that isn’t enough, you then get to locate the top firm for you regarding preference.

Although all these actions are daunting, you can get it done. That’s by taking a step at a time and applying this useful guide:

1. What Do You Want?

First, you should have a clear picture of what coverage you need before embarking on a search. Perhaps your goal is to find the cheapest car insurance to add to your coverage. Will that do the job? Also, how will that affect your existing coverage? You need to ask yourself these questions and identify the coverage you need before taking the next step.

Ideally, you should consider these three elements: coverage, customer experience, and claim processing. Premium prices shouldn’t be a determiner of a good insurance company. Instead, it should be excellent customer experience, a wide range of services, and a seamless claim process.

2. Pick A Renowned Car Insurance Firm

As you browse the web, it won’t take you more than a couple of minutes to find a list of companies that seem promising. While an insurance firm that has a long time in the business might mean more experience, it doesn’t translate to the best services. After you’ve jotted down five to six insurance firms you think seem appealing; it’s time to dive deeper. The next step is to go the insurance site of your state department. There you can find out if the companies are licensed to operate. Having a license is vital to be considered a legitimate company.

In addition, it’s a good idea to check out the financial standing of the car insurance companies. You don’t want to pay for coverage only to realize that the said company can’t pay out your claims after you get in an accident. You can find out about financial standings on a reputable site like J. D. Power

While you look at the financial standing, note any customer reviews and the history of the car insurance companies. You can do this by searching for the desired company on the Better Business Bureau’s website.

3. Compare Quotes and Comparable Arrangements from Various Organizations

After completing the above steps, you have succeeded in narrowing down your selected companies. It should be around four or six as a minimum. This minimum range is what you need for the next stage: comparison of car insurance quotes.

As you can tell, there are a lot of things for you to compare, ranging from the premium to the customer service. You can also discuss the companies with your family and friends. Use their service providers to compare with what you have in hand. Have they stayed with the insurance company for long? Are they satisfied with what they are paying? Is it worth the cost? How about their customer service system? Does it handle at-fault accidents well? Does it tackle other premium increasing issues adequately? You need to know these things.

While at it, further streamline your potential service provider by checking if they give discounts for multi-insurance purchase. Furthermore, check if you can get discounts for having a good driving record.

Lastly, you need to go on your favorite social media outlet to take a look at the last contenders. Check how fast and cordially they respond to your inquiries. Seeing how they operate on social media helps you to know what you are getting yourself into.

4. Avoid State Minimum Coverage To Enjoy High-Quality Auto Policy

Although less expensive for short-term users, state minimum coverage can be extremely costly, especially when you exceed purchase policy cap. It is preferable to choose a package with additional coverage to save yourself from unnecessary expenses and accidents.

5. Insurance Agent Or Broker

If you don’t trust yourself to locate the best package for your car, take this next step. Agents and brokers will help you get the best coverage at an affordable rate. Nevertheless, there is a difference between the two. While an agent works for a specific company, a broker sells insurance for various companies.

Granted that an agent works for a specific company, their goal is to figure out the plan that will suit you best. On the other hand, a broker surveys various companies and then presents the best coverage.

Practical Steps How to Get Your Best Auto Insurance from the Top 7 In America

Practical Steps How to Get Your Best Auto Insurance from the Top 7 In America

The Top Seven (7) Best Car Insurance Companies Available

Based on research, these insurance companies know what they are doing. You can consider this as an implementation of the above guide, from the first tip to the quote comparison. Going with any of these car insurance firms guarantee safety for you and your automobile. However, it is advisable to conduct further research on any company that catches your attention.

1. Progressive Insurance Company

Progressive Corporation is a well-known auto insurance company. The firm has succeeded in securing over 18,000,000 autos to date. Furthermore, the company boasts of professionals that know the ins and outs of insurance. Whether it’s handling claims, pricing, or payment plans, the employees at Progressive can certainly help you.

In addition, over 10% of American drivers insure their car with this company. Progressive covers all types of vehicles and offers hard-to-resist discounts. There is the pay-in-full discount, safe driver discount, multi-car discount, and multi-policy discount, amongst others.

Why You Should Choose Progressive Auto Insurance Company

– Awesome online presence
– Lots of hard to resist discount rate
– Lease induce program
– Superb assistance
– Viable pricing system
– Has a superb financial backing

2. State Farm

For a company that has been around and flourishing for almost a century, excellence is part of their key to success. State Farm has a history of distinguished financial stability and dependable customer service.

State Farm company is one of the few car insurance companies with numerous agents and offices throughout the U.S. and Canada. The company also offers individual service for clients who prefer face-to-face interaction, a feature not common compared to companies.

Aside from car insurance, State Farm also provides other lines of insurance and financial services. Like Progressive, State Farm has lots of discounts. Their customer care and car coverage packages are almost unbeatable.

Why You Should Choose State Firm Car Insurance Company

– Great online and offline presence
– Individual customer service delivery
– Mobile App and Website
– Fantastic Discounts
– A superior Financial backing
– Highly competitive auto insurance package

3. Esurance

This company dominates when it comes to auto insurance policies and flexibility. If you are looking for that, then you are in luck. Esurance was founded in 1999 and is now one of the biggest insurance companies in the United States.

Esurance makes the insurance contract and claim process quick and convenient. Both customers and potential customers can purchase coverage online. If you get in an accident, you don’t have to come to the office to file a claim. Esurance has adopted a smartphone snap option for filing claims. With that, all you have to do is send the picture of your damaged car and Esurance will handle the rest. The mobile app makes filing claims quick and easy.

The auto insurance company also offers several notable discounts like the multi-product, good driver, and homeowners.

Why You Should Choose Esurance

– Integrated simple access to auto insurance
– Customizable coverage
– Cool discounts

4. Allstate Insurance

Allstate auto insurance is a leading insurance company with many types of coverage and discounts. It’s also one of the largest publicly held insurance companies in the US. Currently, customers have rated this company highly both offline and online for its superb performance with regard to customer service and policy prices.

Why You Should Choose Allstate

– Tremendous online and offline presence
– Discounted options for bundling, anti-theft devices, and unreceptive restraint
– User-friendly website interface
– A superior financial backing


USAA is another well-distinguished auto insurance company. It continually exceeds claim standards. The company has positive customer feedback, and many are satisfied by the turnaround time for filing claims.

Despite how big this insurance firm is, it isn’t available for all car owners. Developed for the military and its immediate relations, it serves only those qualified. Those qualified include both US military officers that are active and those that have retired.

This auto insurance firm also offers other coverage services and banking solutions. Being the fifth largest insurance firm in the US, the company provides lots of discounts. Also, it is one of the cheapest car insurance companies out there. So, if you serve or are related to someone who serves, you might want to consider USAA.

Why Choose USAA

– Top rated with positive customer reviews
– Quality customer service
– Assorted policy options to suit every customer
– Superior financial backing

6. The Hartford

Being an oldie in the insurance business, the Hartford has an excellent reputation for customer service and claims processing. The company continues to receive positive reviews from other companies and clients for a job well done. If you are a policyholder of this insurance firm, you get to enjoy loads of benefits. For example, their RecoverCare program reimburses its home customers that get involved in accidents.

The Hartford focus on providing home and auto insurance to citizens who are 50 and above. In addition, it is a partner to AARP. With superior financial backing, the company provides some exciting programs to its customers.

Why You Should Choose The Hartford

– Compound policy discounts
– High ratings for claims administration
– Definite policy renewals
– A superior financial backing


GEICO is the second largest auto insurance firm in the United States. It comes second after State Farm and has a lot of interesting packages to woo potential customers. Currently, the firm has about 16 million policyholders linked to 24 million automobiles.

Most customers are delighted by the customer service at GEICO. The company offers its services to policyholders through phones, agents, and their website.

Moreover, GEICO is one of the cheapest car insurance firms out there. The company also gives you the chance to manage your online account, which comes in handy when agents are offline.

Why You Should Use GEICO Service

– Breakdown coverage
– Emergency curb assistance
– Auto Maintenance Xpress
– Ridesharing insurance
– Superb customer experience
– Superior financial backing


When you are out to get the best deal for your auto insurance, it’s crucial to look beyond the premium. Your ideal insurance company will have prices that fit your budget, notable discounts, the coverage you need, and have good ratings and customer reviews. Just like choosing a home, health, or life policy, car insurance requires careful thought and planning before picking an insurer.


More tips in next article:  10 Things to Know About Rental Car Insurance Coverage


Image credit:

More in Insurance