Comprehensive covers theft or damage caused by something other than a collision with another car or object. This includes vandalism, natural disasters, and damage caused by animals. If you live in an earthquake-prone region or one with high deer populations, comprehensive coverage will protect against those environmental factors beyond your control.
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).
The General also has some red flags when it comes to its financial solvency. While A.M. Best awards an “Excellent” financial strength rating to The General's parent company, American Family Insurance, The General itself isn't rated by agencies like like S&P Global and Moody’s. In fact, it has no ratings of its own — from any agency. The Insurance Information Institute recommends choosing providers with multiple financial strength evaluations, so this complete lack of evaluation gave us pause. While The General may still have the ability to pay out on claims, it isn’t backed with the same confidence as companies with many financial strength ratings.
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.
Nick Dehn is a writer currently serving as a content specialist for Insurify. A seasoned writer, Nick has produced feature pieces, opinion editorials, and press releases for start-ups, small businesses, and local news publications. He now develops content full-time for Insurify, researching and writing data-driven studies and producing insights on the insurance industry. Nick is an alumnus of Williams College, where he graduated cum laude with a degree in English and Sociology. He hails from Wilton, CT but has recently set roots in Cambridge, MA. Nick enjoys exploring the greater Boston area, making stir-fry, and award-show prognosticating.
This supplemental option provides protection for any custom parts you may have installed in your vehicle, like grilles, stereo systems, paint jobs, or spoilers. If you elect to purchase this coverage, The General will pay for the cost of replacing these parts after an accident (which aren’t usually included under a standard insurance policy). That said, The General does have a limit on custom equipment coverage: In California, the limit is $1,500, and in every other state, it’s $5,000.
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.
Watch out for GEICO especially when changing coverages. I have learned the hard way that you can’t trust them to get your changes correct. I was just hit in the rear while stopped at a stop sign. I am trying to go through the collision coverage I am supposed to have only to have GEICO tell me that I removed this coverage a few months ago. The fact of the matter is I did not remove this coverage and never would have done that or agreed to that. Trying to reason with them has been an exercise in futility so far with a supervisor trying to put the onus on me for the problem. I am currently awaiting their final position on their review of this matter, but whatever the outcome I now know I cannot relie on them to get things right and I will always have to check on them. The mistakes they make hurt you, not them.
Liberty Mutual just dropped my family because of two claims that were made on my daughters car. She had her car at school freshmen year and It was parked and hit on the rear corner closest to the road. It wasn’t her fault and no one came forward to admit to the accident. She no longer has a car at school, and drives rarely when she’s home. The second accident was when she was pulling out of the carport and her front bumper caught a wooden railing when she was backing out. That was her fault, but an accident. Isn’t that why we have insurance????? Before I got this letter from Liberty mutual, I sang their praises. I will loudly have bad things to say from now on. Don’t count on Liberty Mutual
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.
A lot goes into an auto insurance rate quote, including your ZIP code, coverage levels, marital status, annual mileage, driving history and vehicle make, year and model. In most states, your gender and credit history are also used to determine rates. And again, the reason auto insurance comparison shopping is so important is because rates between companies are different for each person, too.

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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:
State legislators set limits on how much a company can increase your rates after a crash. Our hypothetical accident resulted in only $2,000 worth of damage. That caused average annual rates to spike by $1,000 or more in some states, while others jumped by far less. One thing’s for sure: Your rates will definitely increase after an at-fault accident, so be sure to compare car insurance rates if you have one on record.

Insurance comparison websites can be further broken down into sites that provide real-time insurance quotes versus those that provide estimated ones. Estimated quotes are derived from historic data and are often out of date; to get the most accurate information you should use a site that provides real-time quotes generated by the insurance companies.
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.
Watch out for GEICO especially when changing coverages. I have learned the hard way that you can’t trust them to get your changes correct. I was just hit in the rear while stopped at a stop sign. I am trying to go through the collision coverage I am supposed to have only to have GEICO tell me that I removed this coverage a few months ago. The fact of the matter is I did not remove this coverage and never would have done that or agreed to that. Trying to reason with them has been an exercise in futility so far with a supervisor trying to put the onus on me for the problem. I am currently awaiting their final position on their review of this matter, but whatever the outcome I now know I cannot relie on them to get things right and I will always have to check on them. The mistakes they make hurt you, not them.
Product highlights: Esurance is well known for bringing the car insurance claims process into the 21st century and has been lauded for providing a simple, user-friendly mobile and web experience for online users. Its Photo Claims program allows customers to snap a smartphone photo of any property damage rather than setting an appointment with an appraiser. This can allow claims to be settled in as little as one day. Digital natives: this could be the insurance provider for you.

[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.
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.
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.
Matthew thanks for posting this. You’re absolutely right. USAA has gone down the tubes, I dont get it, a simple claim recently for auto, turned into a nightmare. bouncing my calls all over the country with a bunch of idiots for claim reps answering the phones, and forcing my car into total loss when it should not have been, and paying only a portion of the damage even though I have collision.
Beyond the standard protections, supplemental (or “add-on”) coverage will keep you protected against the additional costs that often come with accidents. Features like car rental coverage may not seem essential when you view them as just another added cost, but the increase in your rate could still be lower than the cost of renting a replacement vehicle if your damaged car is in the shop for a while. The options offered by providers vary widely in both availability and cost. Our favorites offer supplemental coverage options that can build a policy for every profile.

Product highlights: USAA is a financial services provider that accepts members only from military and ex-military households. Widows and widowers, spouses, and other family members of USAA members can also join. Many of the company’s benefits are specifically tailored for military personnel, such as the 15% discount on auto insurance for members who garage their vehicles on base.
It’s nearly impossible to predict the cost of insurance for anyone other than yourself. Premiums are based on factors specific to the driver, including age, vehicle, driving history, credit score, and even where you’ll be doing most of your driving. Every insurer weighs these factors differently, which means the only way to find the best price for your policy is to get quotes from multiple auto insurance companies.
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Medical payments coverage is strictly optional. If you live in a state where personal injury protection coverage is required, you might be better off getting a larger amount of this type of coverage and skipping medical payments coverage altogether. On the other hand, if you feel you need more medical coverage than personal injury protection coverage will supply, then consider getting this type of coverage on top of your no-fault accident insurance coverage.
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.

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