When it comes to supplemental coverage, Travelers is hard to beat. It consistently met our marks for what we considered “the essentials” and it offers unique coverage, too. That includes accident forgiveness, GAP insurance, and special coverage for drivers employed by ridesharing operations like Uber and Lyft (though this add-on is currently only available in Colorado and Illinois).
We collected quotes from different insurance companies across 78 towns and cities in Texas including Dallas. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Texas. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.
Any car insurance comparison tool you look at should have your state’s minimum car insurance requirements pre-loaded into its options. States requiring PIP or medpay are generally referred to as “no-fault” states, meaning that when injuries occur, each driver in a crash makes a claim with their own insurance company to pay for them. Beyond the PIP or medpay limit, the at-fault driver’s liability insurance kicks in to cover the rest.
Compare.com is another online car insurance comparison tool that generates real-time quotes from multiple insurance providers. In addition to car insurance, Compare provides quotes for home, health, and small business insurance, as well as tools to help you choose car loans and mobile phone plans. The site is rated 4.5 out of 5 on eKomi, based 640 user reviews.
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.
In addition, while The General makes it easy to get a quote and streamlines the process of obtaining coverage, many drivers report a complicated claims process that often results in unsatisfactory payouts. This also holds true for repairs — customers have noted that The General often does its best to keep from paying for coverage it promised. If you’re at the end of the road when it comes to insurance options, The General may be able to provide you with a policy, but we wouldn’t recommend it for most drivers.