If you get sued as a result of an accident or otherwise exceed the liability coverage limits on your auto insurance policy, umbrella coverage can take care of those extra charges for you. Umbrella coverage is an add-on that picks up where your standard car insurance policy leaves off. If you have a high net worth, umbrella coverage can help you protect those assets even in a worst-case scenario. For example, if you get into an accident and are found to be at fault, and the other party sues you for an enormous sum, umbrella coverage could help you pay those lawsuit charges.
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.
Unfortunately, some older drivers might be disqualified from standard insurance policies simply because of their age. If you are unable to get a standard insurance policy, Dairyland insurance might be a good option. The company also has pay-as-you-go plans, perfect for elders on a tight budget who could not otherwise afford to drive under a high-risk plan. Of all the nonstandard car insurance companies, Dairyland consistently has the fewest number of customer complaints, making it a good option if you need this type of coverage.
The day all parents dread is finally upon you; your teenage child is old enough to drive. But before they pop in a mix-tape (those are still a thing, right?) and step on the gas, they need to learn the rules of the road. ConsumerAffairs asked dozens of driving schools across the country for advice to make the process more enjoyable and educational for you and your student driver.
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.
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.
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.
There are two types of insurance comparison websites: quote comparison sites and lead generation sites. Auto quote comparison websites present users with rates based on information submitted during the shopping experience. You can then decide which quote to pursue, and the data you entered is transferred to the agent or company website, greatly shortening the purchasing process. These sites do not sell your information to insurance carriers or agencies.
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.
The numbers we cite above are reflective of a 30 year old male driver who has a clean driving record and is single. Your own rates will change based on your own driving history and profile. The best way to determine who will give you the most affordable auto insurance is by comparison shopping. To start looking at car insurance quotes, put your zip code in one of the two boxes up top.
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.

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.


The day all parents dread is finally upon you; your teenage child is old enough to drive. But before they pop in a mix-tape (those are still a thing, right?) and step on the gas, they need to learn the rules of the road. ConsumerAffairs asked dozens of driving schools across the country for advice to make the process more enjoyable and educational for you and your student driver.
While it’s easy to get lured in by insurance providers offering extremely low auto insurance rates, try to remember that price is not the only factor to consider when you’re choosing a car insurance company—in fact, it’s probably not even the most important factor. In normal circumstances, the most noticeable aspect of your auto insurance policy is your premium payment, so it’s easy to focus solely on price. However, when something goes wrong—you get in an accident, your car is stolen, etc.—the other aspects of your insurance policy and the quality of your insurance company will suddenly become a lot more important. If you’ve chosen wisely, your car insurance carrier can make the claims process an easy and relatively pleasant experience; if not, your carrier can make an already miserable situation even worse.
Many insurers state that their policies offer ‘full coverage’ without detailing what that means, because, well, it doesn’t really mean anything. According to Jonathan O’Steen, personal injury attorney and partner at O’Steen & Harrison LLC, “Some insurance agents use ‘full coverage’ as a shorthand way to describe auto policies that only meet state minimum limits for coverage. True full coverage would provide unlimited protection for all losses arising from an automobile accident.”
Now flash forward present day. Last month I had a wreck. It was not my fault. I called USAA to get my rental covered because the cop wouldn’t give me the @ fault driver’s info said I had to wait for the police report. USAA informs me that I don’t have rental. Excuse me 3 months ago when I added collision I told you add rental & you said you would. USAA claims I did not tell them that, but I know I did because Roadside made it but not rental? Now mind you my Escalade is totalled. The frame is warped among many other things. I’m not @ fault & USAA (my own insurance company) tries to screw me? (The @ fault driver’s insurance company is someone I’ve never heard of but it’s not USAA) The adjustor says not totalled we’ll settle for 10Gs…. no I’m not settling for 10Gs on 50G+ truck especially with a warped frame NO WAY!! I’ve lost major retail value & nobody will buy it with the carfax that’s attached to it now.
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.

NerdWallet compared quotes from these insurers in ZIP codes across the country. Rates are for policies that include liability, collision, comprehensive, and uninsured/underinsured motorist coverages, as well as any other coverage required in each state. Our “good driver” profile is a 40-year-old with no moving violations and credit in the “good” tier.
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.

I have been with Geico for 10 years, what kept me with them is that my daughter had just graduated high school and started college she asked to borrow the car because she was late for school, I said yes she got into a fender bender. Geico paid the claim and they even asked its my choice to add my daughter to my policy or not. Insurance only went up by $30 dollars a month.
I have been with Geico for 10 years, what kept me with them is that my daughter had just graduated high school and started college she asked to borrow the car because she was late for school, I said yes she got into a fender bender. Geico paid the claim and they even asked its my choice to add my daughter to my policy or not. Insurance only went up by $30 dollars a month.

There is no denying GEICO is the fastest and cheapest option for Dallasites. At GEICO, you can start and buy a quote in less than 20 minutes and have a cheap rate. The main issue with GEICO will be if you need to file a claim as it doesn't get great marks on the J.D. Power survey for customer service. GEICO also tends to raise rates more than other competitors when you have an accident on your record.


Insurance experts suggest that you compare car insurance policies every time your current policy is up for renewal (typically every six months to a year). Before you launch your quote hunt, review your existing policy and see if your needs have changed. For example, many auto lenders will require you to have no more than a $500 deductible in comprehensive/collision coverage—but once you pay off your car loan, you can increase this deductible and save a considerable amount on your insurance premiums.

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.
[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.
Results: The final page offered five quotes ranging from $141 per month to $215 per month, and three links to other websites that I could use to get additional quotes. Unlike the other comparison websites, the quotes weren’t in any order (the others sorted their results from smallest to largest). Each quote included a company rating, policy features and a button that would either take you to the company’s website or allow you to compare it with another company. A list of options on the left side of the page allowed me to check off the features that I wanted to include, and eliminated companies not offering those features.
One of the best ways to get cheap car insurance is by comparing car insurance quotes — and the companies offering them. To get you started, NerdWallet looked at car insurance prices across the country for different driver profiles and coverage levels to find the cheapest rates. We’ve sliced the data in several ways to give you an idea of average costs and what factors might nudge your car insurance rate up — or even better, down.
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.

"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."
Keep an eye on your credit score: Maintaining a solid credit score is recommended no matter what, but it’s especially important when your score is being referenced to develop your auto insurance policy. Just as you investigate a car’s accident history before purchasing, insurers in most states use a credit-based insurance score to help determine rates. The higher the risk, the higher the policy costs.
Of our top auto insurers, State Farm has the fewest discounts. You won’t find any price breaks for young or elderly drivers, for being a loyal customer, nor for having a new car. Most of its discounts are safety related, like if you have airbags, anti-lock brakes, or enroll in a safe driving program. However, State Farm’s lack of discounts doesn’t mean your quote will be more expensive — just that you’ll have fewer opportunities to lower it.
Auto-Owners Insurance Group is another powerful contender for customer ratings. In terms of claims satisfaction, Consumer Reports gives Auto-Owners a 93 (eighth place out of 27 companies rated), and J.D. Power dubs the company “better than most.” It also took first place for customer satisfaction in J.D. Power’s survey of the North Central region. To top it off, Auto-Owners matches the coverage selection at other top companies. Add-ons like roadside assistance, rental reimbursement, GAP insurance, new car replacement, and accident forgiveness can help to round out your policy.
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.
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.

If your vehicle is damaged in a car crash, auto insurance can help pay for your repairs. The General insurance partners with auto repair shops all over the nation to help you get your car back on the road as fast as possible. Your policy may even cover a rental car until your repairs are done. In most cases, all you have to pay is a small deductible. And if your car is damaged beyond repair, car insurance from The General may help you buy a new vehicle.
×