Auto Insurance is required by law for drivers in most states. Drivers who own a car and drive it often should definitely have auto insurance to cover the risk of damages to their car and personal injury and the liability of harm to other people and property. Otherwise, repairs and medical costs, particularly when you’re liable for an accident, can be very expensive.
Results: Even without having to link a current insurance company’s account, I was still able to receive three quotes – only after I had built out my driver profile with car information and specifics about my driving record. The few quotes I received for the coverage level I selected were reported as more or less accurate, but Gabi advised that I should “act fast,” as the “quotes could change anytime.” If I selected a quote, I had to enter remaining details about my driving record (such as my driver’s license number) before moving on to payment preferences. Furthermore, Gabi followed up with texts to my personal number, which was technically convenient, but something of an annoyance.
If you have an anti-theft device, Progressive offers a discount for that too. The company also offers pet injury coverage — which is included with collision and comes standard in most states. However, Progressive’s scores across the board were only average, and we couldn’t justify recommending it over our top picks. Also, its mobile app ratings average out to just under 3 out of 5 stars.
Large insurance companies analyze a huge amount of customers’ personal data, such as social media posts, credit scores, and even your web shopping habits. Then, they churn the data through a proprietary algorithm that estimates how likely you are to shop around or just renew your existing policy each year. By doing so, they can increase your premium just enough to raise their profit margins without attracting your attention and prompting you to shop for a new policy.
Insurance experts suggest that you compare car insurance policies every time your current policy is up for renewal (typically every six months to a year). Before you launch your quote hunt, review your existing policy and see if your needs have changed. For example, many auto lenders will require you to have no more than a $500 deductible in comprehensive/collision coverage—but once you pay off your car loan, you can increase this deductible and save a considerable amount on your insurance premiums.
Like most auto insurance companies, they advertise low rates (“15 minutes could save you 15% or more on your car insurance”). But what else? According to JD Power’s 2018 U.S. Insurance Shopping Study, low and competitive prices are becoming the norm, so most companies are in “aggressive customer courtship mode.” Geico’s response to this seems to be their very popular mobile app.
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.
Nationwide’s coverage selection is more or less on par with companies like Progressive, Allstate, and GEICO. It includes all the core coverage options — from liability to uninsured motorist — as well as some add-ons that may be hard to find elsewhere, like GAP insurance, rideshare coverage, and accident forgiveness. Like other top companies, Nationwide also offers plenty of discounts. Customers can save by bundling home and auto insurance, installing safety devices on their car, taking a defensive driving course, staying accident free, and more.
Product highlights: As a mutual insurance company, Amica can afford to offer much lower rates than standard insurance carriers. Amica is consistently ranked as a favorite among consumers for their excellent customer service and a high record of auto claims satisfaction. Amica’s Car Connection program allows customers to get special pricing on new and used cars through the program’s dealer network. Furthermore, Amica’s Platinum Choice Auto option allows you to add other perks to your policy, including an Advantage Rewards system that adds points to your profile for good driving and referring friends. These points can go towards accident forgiveness or even lowering the price of your deductible.
The General’s coverage options are, quite frankly, barebones protections. While there are some supplemental options like roadside assistance and rental reimbursement, don’t expect the luxury of accident forgiveness. And when you need to file a claim, you’ll have to do so over the phone — though it offers live chat and online policy management, The General doesn’t allow its customers to file claims without talking to a representative.