With a new vehicle addition to your parking lot or driveway comes thrills like adding fuzzy steering wheel covers, a throw blanket in the back and that decal sticker on the back left window. You’ll get compliments on your new ride like, “you look great in that,” and questions like “how’s the gas mileage on it?”
But with a vehicle purchase or a new driver also comes something not many people enjoy talking about – or paying. Car insurance.
Despite the high prices paid, car insurance is a great benefit that helps protect you in your finances with the peril out on the road. While we’d like to think we’re invincible as drivers, we all make mistakes, and we know that others make mistakes as well. Insurance helps keep you covered.
Just like credit cards and brands, not all car insurance companies are created equally. Some offer certain perks and coverage options others may be missing. There are also certain coverage plans based on your age, particularly if you have a new driver that you’re looking to put under the car insurance plan. Other factors like where you live may also affect your rates. Certain states, for example, require certain types of insurance coverages.
Before signing up for a car insurance plan, make sure to do your research. Know what features and benefits you want and need out of a coverage plan and make sure the rates are something you and your family are comfortable and equipped to pay. Especially when it comes to crisis situations like when you need car insurance coverage, you want to be sure you’re working with a company with good customer service and know that they’re going to take care of you. Being in an accident or having car troubles is not the time to figure out if your insurance company has your back.
Car Insurance Policy Factors
Here are some factors you’ll want to consider when selecting the best car insurance company for your and your family’s needs:
When you’re in a car crisis situation, you want an insurance company who is going to be there for you and help you navigate whatever repair, replacement or additional coverage you’ll need as a result. Car accidents are stressful enough. Make sure your insurance company will help you through it. Do some research of your own on a particular company’s claims history and other reviews to ensure the customer experience presented is encouraging and supportive.
You should be able to fully understand your particular claim and what funds you are responsible for. Make sure you know all the associated costs up-front, and that the company includes any additional fees which you may be responsible for in their pricing structure. Know what your rate covers and what you still need to take care of. Knowing your side of the bargain helps you be prepared in car trouble situations.
Not everyone needs the same kind of car insurance. Depending on where you’re at in life, you should be able to choose a policy that fits your and your family’s unique driving situation. There’s rarely a one-size-fits-all policy, so be sure you tailor your search to include only what you actually need.
With a variety in coverage plans comes a variety in price structures. Before settling in on one policy, have a look around at other comparable programs and find the rate that fits with you. Many of the price rates are dependent on where you are, your age and other related factors to your driving habits. While there are often always discounts available, be sure to include the price of the coverage package into account as you make your decision.
Demographics and Other Factors
The rates you’re eligible for are largely dependent on where you and your family are at in life. Having younger drivers will most often lead to higher insurance premiums. Other factors such as location, your vehicle type and often your credit history and gender also play a role in determining your insurance quotes. If you’ve had several traffic tickets, DUIs, previous accidents or other violations, your driving history can also affect the rates and types of insurance you’re eligible for.
Top Car Insurance Companies
Choosing the right car insurance company is important in providing you peace of mind when you’re out on the road. To help you be informed as you make those decisions, here’s a quick guide to selecting the best car insurance company for you. Here we share just seven of the top car insurance companies you may want to look into:
A policy from Allstate insurance provides you to quality access to coverage and savings that can keep you driving on the road. Their size of 16 million households with policies shows it as a potential great option.
Allstate offers a wide variety of types of coverage so no matter what your insurance needs are, you can find a package that works best for you. Coverages with collision, comprehensive, liability, medical payments, uninsured, rental reimbursement, roadside, property protection and much more can ensure you’re set for the road. You can even incorporate your sound systems or other related property under an auto insurance policy with Allstate. If you have a classic, antique vehicle, you can also get a policy tailored to meet that need. If you drive as part of a ride sharing side hustle, there’s a policy for that, too.
You’re policy will note the limit that Allstate will pay for a claim as well as your deductible which you agree to pay out of your own pocket in such situations. Their rates are competitive and depend on your location and vehicle.
Get rewarded and benefits as you drive with Drivewise from Allstate that is designed to provide you with help on improving your safe driving practices. If you have a new driver in your household you need to cover, Allstate offers helpful ways you can save money on your child’s insurance rates while also encouraging safe driving habits and skills. Other methods such as restricting phone usage while driving and additional driver’s training program can also bring extra savings to your policy and help you to be more confident with your child on the road.
Competitive pricing models has allowed Auto-Owners Insurance group to remain a top independent insurance provider for years. It’s even in their name.
Coverages provided by an Auto-Owners Insurance policy include things like both collision and comprehensive so you’re covered whether you need help in an accident or other incident. Choose to select coverages individually or package them together in their Personal Automobile Plus Package that includes over 10 coverages and offers a wide range of protection.
Auto-Owners Insurance provides several ways you can continue to save on your car insurance policy through methods such as bundling or making consistent, on-time payments. Students can also get unique rewards for things such as having good grades and driving safely. Contact an agent to see your rates.
In addition to coverage in accidents and beyond, you can also get road trouble service if you’re stranded out on the road with a flat tire, dead battery or other trouble. As a policy holder, you’ll also get collision coverage advantage that covers your deductible if you’re in an accident with another Auto-Owners policyholder. You can also bundle your home and car insurance coverages and get additional benefits when you need coverage on both, including a lowered or waived deductible.
With great options to bundle your home and auto insurance, Esurance provides you an easy way to get coverage all around.
Insurance packages can involve the types of coverages that are important to you. Medical coverage options include the medical expenses that may come with an accident. You can protect your vehicle with options like comprehensive or collision coverage, as well as emergency roadside service and rental car coverages. Set your required liability coverage according to your state’s minimum amounts.
In your search for the best car insurance coverage package, Esurance offers their Coverage Counselor service that helps you navigate your decisions. Your recommendation takes into account taking care of your vehicle, those around you and your wallet.
With so much to consider about insurance, companies like Esurance make it easy to get a quote, access your account, file a claim and much more. With their mobile app, you can easily pay your bill, update a current coverage plan and use just a photo to file a claim. Their DriveSense mobile app also makes it easy to save on your car insurance with safe driving practices. You can save even more when you choose to bundle your car insurance with other insurance coverages such as home or other asset.
In addition to home, life, business and other options, Farmers Insurance can provide you the car insurance you need when you’re out on the road.
As a driver, you unfortunately face many risks when you pull out of the driveway or parking lot. But in any case, Farmers Insurance will have your back. Liability coverage will help with covering injury and property damages if you cause an accident. If you damage your own vehicle, you’ll be okay with collision coverage. When weather conditions such as hail leave dents and cracks in your vehicle, comprehensive coverage will come in handy with such additional damage. If an uninsured driver hits you, you can get coverage for that, too. Other coverage options include medical payments coverage, personal injury projection and a personal umbrella policy. Additional optional insurance coverage options you can add on to your auto policy include things such as new car replacement, towing and roadside service, accident forgiveness, car rental reimbursement and windshield repairs.
Choosing the policy that’s best for you is often dependent on the value of your assets as well as how much you’re able to cover on your own beyond a policy limit. Your policy rate takes into account your demographic information, what kind of car you drive, the type of commute you take and other drivers in your household.
In addition to a variety of coverage options, Farmers Insurance also prides itself on positive customer service in meeting you in your time of need. Connecting with a Farmers agent is easy and stress-free. Filing a claim with Farmers is also an easy process in your time of stress of needing coverage.
Start with just your zip code to get a quote on what you can be saving with a car insurance plan designed for you.
Not everyone needs the same kind of car insurance coverage. With Geico, you can get a personalized coverage calculation to help you determine which kinds and how much of insurance you actually need.
Your customized car insurance plan is easy to develop and both the coverage calculator and getting a quote are free services. For a quote, all you need is your zip code, driver’s license VIN number and address. You’ll also be able to look into helpful discounts that can help you cut costs on your insurance plan so that you can spend more on you. Receive discounts such as senior drivers, military, federal employees, student drivers and member or employees.
With a car insurance company, you want to be sure you’ll get help when you need it. Get access to an agent any day, any time. You can even access your account via their mobile app and online services. Check out your balance and account, and even file a claim, all with just a few clicks or taps.
Experience the freedom of having great car insurance coverage with the convenient options through Liberty Mutual car insurance
Understand what kind of coverage you need easily with their helpful, uncomplicated coverage options. When you start with their standard coverage plan, you’ll be covered in things like bodily injury liability, property damage and medical payments. If you’re looking for a little extra, you can add on extra coverage options such as car replacement, towing and labor and rental car coverage.
Choose which additions you’d like to include in with your plan to ensure you only get what you want to pay for, and nothing you don’t. Choose what you want covered or what you can handle. Pick a plan that incorporates coverage for yourself, for others and your precious vehicle. Their coverage options make car insurance buying simple and straightforward.
Accidents happen. But with Liberty Mutual, your premium won’t increase after your first accident if you’re enrolled in their Accident Forgiveness program. Get access to easy discounts like when you purchase your policy online, when you bundle your policies or for engaging in safe driving practices.
If you already have insurance through Progressive, bundling your other assets together with one coverage plan is easy with the options through Progressive.
Drive with confidence as you secure your policy with Progressive and get to where you want to be. When you choose to bundle your auto and property insurance policies, you can save an extra amount, and make things easier on you at the same time. Comparing coverage options also is easy through their services and can help to make sure you get the best rates for what you’re looking for and where you’re driving around.
Choose the policy that works for you, and ignore those add-ons you don’t really want. Coverage options include things like liability, comprehensive and collision, uninsured motorist, medical payments. Other coverage options that aren’t required but can be a great idea include things like roadside assistance, loan payoff, rental car reimbursement, custom parts, rideshare coverage plans and a savings bank that helps you pay your deductible.
Get access to great discounts to help you save even more with your car insurance policy with features like the Name Your Price tool, which allows you to set your budget and spend only what you can. Their Snapshot tool brings you savings opportunities when you engage in safe driving practices. Their Progressive App also makes it easy to connect to your agent and access your account. Their Coverage Checker tool also helps you make sure that you don’t have too much or too little coverage on what you need. You can also easily update your account and policy to adjust to your life changes, as well. Savings and easy access to the account designed for you is easy with options and customer service through Progressive.
Find the Car Insurance that Works For You
Everyone’s driving life is different. That’s why finding a car insurance plan tailored to meet your needs can help you feel confident on the roads and in those tough situations. Be sure you shop around and discover which coverage options and add-ons you actually need to keep you and your family safe and protected. Insurance isn’t a fun purchase to make, but meeting this driving requirement can save you a headache and a half later on when you may be in need of a comprehensive and convenient insurance company to work with.