We researched 36 of the best auto insurance providers based on their ability to serve customers and actually pay out claims; not just on premium cost. Of course, premiums matter, but since rates depend on many different factors — like your age, driving history, and even your ZIP code — the best way to find the most affordable price on the policy you want is to compare quotes. Use our quote tool above to get started.
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.
If you have a healthy balance in your savings account, you may be able to get away with a higher deductible and save significant money on your premiums—but don’t try this if you have little or no money saved. In that case, if you have a high deductible and get in a serious accident, you’ll either end up buried in debt or unable to pay your car repair bills. Stick to a deductible that’s equal to, or preferably less, than the amount you have tucked away in savings.
Each insurance company evaluates personal factors in its own way, and they keep their methods as hidden as possible. So we can’t tell you which company puts high value in your occupation or emphasizes a clean driving history more than others. But to help you get going, we can show you a car insurance rate comparison for the same hypothetical driver and car, using average rates from across the country.
Car insurance rates vary greatly depending on age. Your risk profile as a driver will change throughout your life, so you may be eligible for discounts at some points in your life while other times you may see your car insurance premium increase. This is why you want to keep shopping for car insurance throughout your life so you ensure the best value.
Auto insurance policies don’t come with a single limit and deductible. There are typically a number of coverage limits based on the type of claim a customer might make. Most claims are categorized either as collision or comprehensive claims. Car insurance policies can also offer coverage to help you with the financial repercussions of an accident, such as medical bills and lost wages.
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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.
I was with Liberty Mutual for about 15 years and was very satisfied with their prices and service, although I never filed a claim. When I retired and moved from California to Florida, my auto rate went up a ridiculous amount, to almost $10,000 a year even though I had no accidents and one minor moving violation in the last ten years. On top of that, Liberty Mutual screwed up my umbrella policy and told me it was “unenforceable,” whatever that means, but I had to pay for the policy anyway up to the time I canceled and switched to Progressive, which cost about one third the cost of Liberty Mutual for an identical policy. Even good companies change over time.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.
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Both personal injury protection coverage and medical payments coverage can overlap with your regular health insurance coverage. Their interaction will vary based on what type of health insurance policy you have and which state you live in. Some types of health insurance policy don’t cover accident-related injuries at all; if your health insurance policy does cover such injuries, either personal injury protection coverage or medical payments coverage can give you funds to cover copay expenses and other charges that aren’t covered by your health insurance. They will also cover your accident-related medical expenses if you haven’t met your health insurance deductible for the year.
Product highlights: We’re sure you’ve seen a barrage of GEICO ads dominating your television screen. But besides savvy marketing practices, GEICO also has several programs to help policyholders save money on auto expenses. These include the Fuel Finder feature on GEICO’s mobile app (to find the cheapest gas station in your area) and its Car Buying service (to compare features and prices on new and used cars). Through the Auto Repair Xpress service, a claims adjuster will meet you in the repair shop after you file a claim and help you through the process. In some regions, you can also count on GEICO to provide a rental car for rides to and from the shop.
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