The Zebra didn’t allow me to customize coverage preferences, forcing me to choose one of four pre-assembled packages. It also didn’t list which companies allowed which discounts, making their earlier list of pre-qualified discounts less useful. On the right side of the page, the site provided an “Insurability Score” listing the factors that insurance companies use to set rates and grading the information I’d provided during the quoting process, which could help drivers looking to improve their rates in the future.
The amount of coverage required by law varies from state to state. If you are a cautious person, you might opt for a more expensive policy with better coverage. If you have a lot of assets, experts recommend that you get enough liability coverage to protect them; otherwise, the other party involved in an accident could sue and attempt to collect on those assets.
Nationwide’s coverage selection is more or less on par with companies like Progressive, Allstate, and GEICO. It includes all the core coverage options — from liability to uninsured motorist — as well as some add-ons that may be hard to find elsewhere, like GAP insurance, rideshare coverage, and accident forgiveness. Like other top companies, Nationwide also offers plenty of discounts. Customers can save by bundling home and auto insurance, installing safety devices on their car, taking a defensive driving course, staying accident free, and more.
These sites often attract your interest with competitive rates, but then transfer you to a different site to continue shopping and complete your transaction, often at a far less attractive rate. This is because lead generations sites are paid to sell your information to an agency or insurance company, not to present you with the rates on car insurance.
 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.
Farmers Insurance fell just shy of the benchmark we set for financial stability. It took earned an “A” from A.M. Best (passing), and an “A” from S&P Global (two steps below the required “AA-”). These scores mean that Farmers has strong financials, and offers solid backing for your policy — it’s just a little less likely to weather a major financial crisis than other companies. This is why, like Liberty Mutual, we don’t rank it among the best of the best.
Hi Eric – What you’ve seen is not an unusual situation. A company that’s good in one state isn’t in another. Liberty Mutual worked for you in California, but not in Florida. This is why it’s not possible to say one company is the best. That will vary by state and by your own personal profile. That’s why we produce these “10 Best” lists, to give you companies to investigate.