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UPDATED: Mar 13, 2020
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When comparing car insurance companies its natural to ask who has the best car insurance rates however the answer is not so black and white. For some drivers Geico may have the best car insurance rates while for others Progressive may be the better choice. Even others may wind up choosing State Farm, Amica or any of the over 200 licensed car insurance car insurance companies nationwide.
Are car insurance rates pretty much the same from any provider?
For most good drivers car insurance premiums can seem pretty similar from most car insurance companies however it is the variables which can make a huge difference. Not all car insurance companies measure risk in the same way nor are all car insurance discounts available from every provider. Some auto insurance companies only look for a 3 year clean driving record while others penalize drivers unless they have a clean driving record for 5 years or more. In fact, car insurance rates are almost impossible to calculate without a full profile from the applicant which includes their credit score, driving history, the type of vehicle insured, driving record and more.
How do I find the best car insurance rates?
Do you remember shopping for a car? What did you do? Read reviews, compare warranties, and inquire about financing and more. Car insurance comparison is no different and you need to apply the same comparison methods when shopping for auto insurance. While you may not save $1,000 or more in premiums right away you can certainly save well over $200 or more and since most drivers rarely change car insurance companies more than once or twice in their lifetime it’s important to find the best car insurance company from the start. Some of the most important things you can do to help find the best car insurance rates are:
Read Company Reviews
Always try to locate reviews from people who filed a claim. Many times there is a vast difference in customer service between the departments who (a) collect your money and (b) handle claims. You need to find reviews from people who have filed a claim and testify how reliable a specific provider is.
Always Compare Policy Details
Purchasing the right type of car insurance does not mean simply comparing the cost of car insurance. The power of auto insurance lies in the details of coverage including the types of coverage, policy limits, deductibles, exclusions and more. If you can save $100 a month by choosing car insurance company A but end up with no insurance to cover damages to your car is that extra savings worth the money?
Account Management Tools
Do you prefer to pay your bill online? Many car insurance companies still have not graduated to a fully online experience. While some like Geico, Allstate, Progressive and many of the major name brands have superior online account management tools others fail in this department and still require you to call or write in. Make sure to find a car insurance company which fits your lifestyle.
Companies like J.D. powers Associates, A.M Best and Standard & Poor’s all have public ratings on insurance companies. While the JD Power & Associates “National Auto Insurance Study” is probably the most relevant for consumers, financial ratings can also indicate how strong the company is financially.
Should I just call car insurance companies and compare rates?
You can do that but the internet was made for comparison shopping and car insurance comparison is widely available online. You generally have to enter a few details about yourself but within minutes can compare custom quotes from local providers and even obtain coverage instantly from many providers. While you may end up referring to the yellow pages (if you can find a copy) most consumers purchase and compare car insurance direct from auto insurance companies today. Get started with your car insurance comparison search – Enter you ZIP code above to compare car insurance quotes today!