There are a million things to worry about when you’re involved in an accident. Whether or not your insurance company will be able to pay your claim shouldn’t be one of them. A strong financial rating is the best way to guarantee your provider can pay what you need, when you need it, so we made sure all of our picks had strong ratings based on the Insurance Information Institute’s (III) guidelines.
The Zebra didn’t allow me to customize coverage preferences, forcing me to choose one of four pre-assembled packages. It also didn’t list which companies allowed which discounts, making their earlier list of pre-qualified discounts less useful. On the right side of the page, the site provided an “Insurability Score” listing the factors that insurance companies use to set rates and grading the information I’d provided during the quoting process, which could help drivers looking to improve their rates in the future.
Nationwide pulls lower customer ratings than our top picks. The company scored an 88 from Consumer Reports (putting it in 22nd place out of 27 companies), and an “average” rating from J.D. Power. In other words, Nationwide doesn’t knock it out of the park for either customer service or claims process — which are both crucial for a great insurer. It also missed our financial stability benchmark by a hair, with S&P Global and Moody’s ratings just below the “very strong” or “excellent” benchmarks that we look for.
Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2019 Nationwide Mutual Insurance Company.

Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. If your risk for accidents goes down, your rates just might, too.

Liability auto insurance protects you from that worst case scenario by providing a cushion between your assets and the amount you’re on the hook for. For this reason, choosing the right auto liability limits is the most important part of your car insurance quote comparison. NerdWallet typically recommends having at least as much liability coverage as your net worth.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.
The General doesn’t ask for any identifying information when you request a quote online. You’ll just need to answer a few questions about your driving history, vehicle, and basic personal information like age, gender, and marital status. The General claims that it takes less than two minutes to complete the quote process, and we found this to be an accurate estimate.
NerdWallet averaged rates for 40-year-old men and women for 20 ZIP codes in each state and Washington, D.C., from the largest insurers, up to 12 in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:
[1] Availability varies. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.
Uninsured / underinsured motorist (UM / UIM) covers costs associated with an accident involving uninsured or underinsured motorists, or hit and run drivers. You can’t control the coverage of other drivers on the road, but if you get in an accident with someone who doesn’t have insurance — or who has insufficient protection — you’ll be forced to deal with the costs yourself. We know it’s frustrating to have to pay for someone else’s negligence, but opting for UM / UIM coverage will be well worth it when you need it.
You’ll notice that none of that liability coverage pays for your car or injuries, nor for any injuries your passengers sustain if you cause a wreck. This is why many people — particularly those whose car isn’t yet paid off — want “full coverage” car insurance. This isn’t actually a type of coverage, but instead typically refers to policies that include liability coverage, plus comprehensive and collision coverages.
Insurify, a free insurance comparison website that provides real-time, accurate car insurance quotes, set out to analyze all major car insurance companies and rank them with a single, multi-point score. The result is the Insurify Composite Score—a number that gives you an easy way to see which insurance companies are the best fit for you before you need to use your policy. By choosing a policy with the right coverage level from a highly rated carrier, you can give yourself peace of mind on the road.
Everquote also provided checkboxes to opt out of receiving calls and emails from agents. However, under the “Show My Quotes” button, the usual legal boilerplate informed me that by clicking the above button I was providing express written consent to be contacted by Everquote and a whole laundry list of insurance companies and partners, whether or not my phone number was on the Do Not Call list.
Auto insurance comparison websites, which let you instantly compare quotes from multiple insurance providers, can be a huge help in your quest for affordable car insurance. They provide accurate, personalized rates, discounts, and coverage options all on one site—much like your favorite travel comparison site that gives you airline ticket or hotel room options all on a single page.
Travelers Insurance offers the most comprehensive coverage of any auto insurance provider we saw. It has options for accident forgiveness, GAP insurance, and special coverage for drivers employed by rideshare apps like Uber and Lyft. And while The General might give you a lower base quote, Travelers’ long list of discounts could erase that gap quickly.
×