Results: After working my way through the DMV.org quoting process, I discovered that they don’t actually provide car insurance quotes. Instead, they just provide you with links to other websites where you can get a quote. In my case, it gave me exactly two links: to Esurance and Allstate. Clicking a link to go to one of these websites required me to start all over with the quoting process, leaving me wondering why I’d bothered with DMV.org in the first place.
How it works: Like other comparison site flows, Gabi asks for some fundamental information, like your name, address, and prior insurance company. Early on, however, I had to create an account linked to my email address and mobile phone number, adding some extra steps to the process. Since Gabi specializes in comparing insurance rates against your current plan, it isn’t ideal for the first-time insurance shopper. However, if you aren’t currently insured, you have the option to indicate “I Don’t Have Insurance” early on in the flow, and you should still be able to find quotes – this is what I selected, to see if the experience would differ from someone not currently insured.
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.
State Farm is the largest car insurance company in the nation, per the Insurance Information Institute in 2018. Fortunately, it’s also one of the best — especially when it comes to the customer service experience. In 2018, State Farm received high praise from J.D. Power for its service interaction and claims handling. And of all the insured drivers we surveyed, it received the most positive remarks by far.
How it works: The quoting process was similar to that of other comparison websites, although it offered me the option of connecting my Google or Facebook account to speed up the process. After I entered the requested information, the Zebra announced that it had matched me up with nine possible discounts, although it warned that not every insurance company offered all of these discounts.
The Insurify Composite Score is calculated by analyzing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. Insurify’s data scientists took these variables, weighted them, and combined them into a single, easy-to-understand numeric score for each carrier.
The General is intended for drivers who may face steep rates from other insurers, but that doesn’t mean it will be able to provide those drivers with the protection they need. Few coverage options and a history of complicated claims resolution keeps us from recommending The General. Even if it offers lower rates than the competition, you might eventually get hit with unexpected fees that drive up the price of your coverage. If you can avoid it, you should — there are better insurance options out there.
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.
InsuranceQuotes is a free, online comparison tool that offers quoting processes for auto, life, health, homeowners, and other types of insurance. The site also has articles on insurance-related subjects and provides information on auto insurance by state, including average rates. It is is rated 1 out of 10, and has 9 user reviews on Resellerratings.
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.
Claims and price satisfaction: We looked at J.D. Power’s 2018 Auto Claims Satisfaction Reports, Insure.com’s Best Car Insurance Companies for 2018, and Consumer Reports’ 2017 Car Insurance Ratings to get a bird’s-eye view of the industry across the nation. We also conducted a survey of 100 insured drivers who had filed a claim within the past 12 months.
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.
Auto-Owners Insurance is available in 26 states located primarily in the South and Midwest. It uses an agent-only model that promotes customer relationships, so it’s a great choice if you prefer talking to a human being. The company also scored a nearly perfect score in J.D. Power’s 2018 satisfaction report, falling short only in the realm of its rental car experience.
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.
Being in the business for a very long time, I have found that most people are clueless about insurance, even most agents who sell them. I will agree that their rates are cheap. But I wouldn’t recommend them. Inexperienced adjusters. They do not fully investigate. The policy does not cover like, kind, and quality which is bad if you have a new vehicle.
But according to the National Center for Biotechnology Information, newly licensed drivers are about eight times more likely to be involved in fatal crashes in their first six months than more experienced drivers. The takeaway? Experience counts. The Center for Disease Control suggests that increased education programs and parental involvement in instruction are associated with reductions of as many as 40% of fatal and injury crashes among 16-year-olds.
How it works: Compare’s shopping process asked me to enter the same general information that other auto comparison websites did. Entering the information was fairly straightforward. Most of the fields were drop-down menus or pre-filled based on information I had submitted on previous pages. The questions were detailed, including some about my current policy limits that required retrieving my insurance documents to answer. I did like that Compare asked if I was willing to accept paperless documents and/or e-signing
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.
The General advertises low rates for coverage, and many customers have confirmed that they were offered lower premiums at the outset of their policy. But after the fact, The General has been known to tack on hidden fees for things as simple as monthly billing, resulting in a rate that can be significantly higher than the initial rate you were given.