Gabi is an insurance services company and licensed insurance agency that claims to save customers up to hundreds on their insurance premiums by comparing insurance quotes against your current policy. Users can link their current insurance to their Gabi.com account or send Gabi a PDF of their current insurance policy; through its technology and real-life advisors, Gabi says it can find you the “right policy” and allow you to compare up to 20 quotes.
Hi Eric – What you’ve seen is not an unusual situation. A company that’s good in one state isn’t in another. Liberty Mutual worked for you in California, but not in Florida. This is why it’s not possible to say one company is the best. That will vary by state and by your own personal profile. That’s why we produce these “10 Best” lists, to give you companies to investigate.
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.
The single most effective way to fix credit problems, however, is to make all your payments on time, starting immediately. If you can’t afford to make at least the minimum payments on all your debts, get in touch with some of your creditors to see if you can negotiate a deal. Many creditors will accept a somewhat smaller repayment if the alternative is forcing you into bankruptcy.

Comprehensive coverage: This covers things that could happen to your car not related to an accident that might not be covered by standard insurance, such as weather damage, running into an animal or other factors. It’s a good idea to opt for comprehensive coverage if you can afford it, but it can get costly and might not be worth it if you drive an old or inexpensive car.


Owners of brand-new vehicles might consider getting gap coverage to protect themselves in case of an accident early on in their car ownership. New vehicles lose a huge amount of their value the moment you drive them off the dealership lot, but you still owe your lender however much you purchased the vehicle for in the first place. However, if you get into a major accident a week after buying your new car and the vehicle is totaled, standard auto insurance policies will only pay you up to the car’s current value—which will likely be much less than you owe on it. In such a situation, gap coverage will “fill in the gap” between the car’s current value and how much you still owe on it.
If you’re drawn to The General because of a poor driving record or credit score, we recommend looking at Progressive first. While Progressive scores lower in financial strength and claims satisfaction than the top insurers in the industry, it offers unique discounts and supplemental coverage options specifically tailored for high-risk drivers, including a rare discount for drivers under 18. Because of its rare coverage options and financial strength ratings, Progressive is likely a better option than The General for most drivers.
Insurify’s quote comparison tool was a great help in shopping for car insurance. I particularly liked how easy it was to compare rates based on a custom coverage level; with a few clicks, I could alter the parameters (say, by changing the liability coverage maximum or adding roadside assistance) and get a whole new basket of quotes instantly. Every year, Insurify also publishes a Best Car Insurance Companies list.
Results: Nerdwallet returned three quotes ranging from $154 per month to $315 per month and six “estimated rates” ranging from $153 per month to $330 per month, from mostly name-brand insurance carriers. Each quote/rate included a little information about the company, a company rating, and a summary of Nerdwallet’s review (accessed by clicking on the “view details” link). The quotes had a button to click in order to buy the policy over the phone, but only one quote offering the option to purchase online. The estimated rates included a button to click to access the company’s website and get an actual quote from them.

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.
{"id":4,"isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":false,"isInsuredStatusFieldVisible":true,"customEventLabel":"","defaultZip":"","defaultProduct":"auto","quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","trackingKey":"_best-cheap-car-insurance-dallas-tex","title":"Find the Cheapest Auto Insurance Quotes in Your Area","vendor":"vp"}
J.D. Power and Consumer Reports give American Family strong ratings for customer service and claims: two factors that are incredibly important when it comes to insurance. But where AmFam really sets itself apart is in the discount department. The company offers generous savings opportunities for almost any driver — from price cuts for safe drivers, good students, and families, to discounts for vehicle safety features, policy bundling, paperless billing, and more. If AmFam is available in your area, try getting a quote to see whether these discounts can help you save on car insurance.
has partnered with to provide insurance products. When you click "Continue" you will be taken to their website, which is not owned or operated by GEICO. GEICO has no control over their privacy practices and assumes no responsibility in connection with your use of their website. Any information that you directly provide is subject to the privacy posted on their website.
Allstate thrives when it comes to discounts for young drivers and students. The company’s Smart Student Discount will apply to anyone under the age of 25 who is either a full-time student with good grades, has completed the teenSMART driver education program, or attends a school within 100 miles of their home. Young drivers are typically the most expensive to insure; this unique discount can alleviate some of those costs.
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.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
If you have poor credit and don’t live in one of the three exempt states, consider requesting an extraordinary life circumstances exemption. This exemption allows you to request insurance carriers not to use your credit score when calculating your rate. This is particularly helpful if you can show that your poor credit was caused by specific circumstances beyond your control, such as serious illness, divorce, unemployment, and similar life catastrophes. The insurance company will likely ask you to provide documentary proof, so make sure you can back up your claim.
[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.
I am glad to see USAA at the bottom; but it should not be on the list at all. I am currently going through a claim with them (total loss, I got rear ended, pushed into the car in front of me and they hit the car in front of them; not at fault). I have all correspondence recorded and proof of them lying to me, and using made up regulations to justify it. When asked for the reference for said regulations, I am ignored. I have been throwing WAC at them, quote after quote as to how they are being unruly. This was in December, it is now April and they have YET to give me a valuation report in compliance with WAC. I will be more than happy to provide a copy of our correspondence (with PII edited, obviously), proving how bad USAA is at customer service and how willing they are to break the rules if it benefits them. Email me if you want to see it. I finally had enough and contacted the Washington State Insurance Commissioner; USAA has until the middle of this month to respond to them… We will see what happens next.

The single most effective way to fix credit problems, however, is to make all your payments on time, starting immediately. If you can’t afford to make at least the minimum payments on all your debts, get in touch with some of your creditors to see if you can negotiate a deal. Many creditors will accept a somewhat smaller repayment if the alternative is forcing you into bankruptcy.
Owners of brand-new vehicles might consider getting gap coverage to protect themselves in case of an accident early on in their car ownership. New vehicles lose a huge amount of their value the moment you drive them off the dealership lot, but you still owe your lender however much you purchased the vehicle for in the first place. However, if you get into a major accident a week after buying your new car and the vehicle is totaled, standard auto insurance policies will only pay you up to the car’s current value—which will likely be much less than you owe on it. In such a situation, gap coverage will “fill in the gap” between the car’s current value and how much you still owe on it.
It’s not easy to be a good judge of our own driving skills, but how good a driver you are will certainly affect how likely you are to have an accident—and that’s something to consider when choosing your car insurance policy limits. If you’ve been driving for 20 years and never had an accident, you’re probably a pretty good driver (or at least a cautious one) and may be able to get along with somewhat lower limits on your car insurance. On the other hand, if you get in an accident every year, you’ll definitely want to get plenty of coverage—although you’ll likely pay top-dollar for it with such a high-risk driving history.
"Teens are very likely to pick up the habits of their parents,” says J.C. Fawcett of the Defensive Driving School. “A parent should think about. Do I cuss at other drivers while driving? Do I speed? Do I tailgate? The training that comes from students observing their parents is very powerful. If a parent attempts to change their habits only when their teen is learning to drive, it's probably 10 years too late."
Know when to cut coverage. Don’t strip away coverage just for the sake of cheaper insurance. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.

The cheapest car insurance, period, will likely carry the minimum coverage required in your state. In most states, this is liability insurance only, which covers property damage and medical bills for others due to accidents you cause. Some states also require uninsured and underinsured motorist coverage, which pay for your injuries or damage if an at-fault driver doesn’t have enough insurance.

Safe Auto Group Agency, Inc and/or its affiliates (“Safe Auto”) is located and operated exclusively in the United States of America. Safe Auto does not offer goods and/or services in any language of an European county, does not deal in any European currencies, and does not underwrite risks for or issue policies to individuals or companies located in the European Union.

If you get in a covered accident far from home, State Farm will not only cover the costs of repairs but also your meals, lodging and transportation. If you’re often on the road, you have probably learned how to be a safe driver, and you will save money through State Farm’s Drive Safe and Save program, which gives you up to a 50 percent discount after they’ve analyzed your driving abilities through their app. State Farm also offers discounts for taking a defensive driving course.
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.
Customers have also been quick to note that when they needed The General to come through, it either failed to do so or provided an insufficient and unsatisfactory resolution. For repairs, this means you may not get the amount you need — several people report sending over bills from repair shops only to receive compensation that was less than half the actual cost. Refunds for contested fees were also hard to come by, even if there was no history of driving violations or accidents.
×