We first looked for companies that received an "A-" or better (“strong”) from A.M. Best, a rating agency specifically focused on the insurance industry. Then, because the III recommends getting ratings from more than one agency, the best needed to earn at least an "AA-" (“very strong”) from S&P Global or an "Aa3" (“excellent”) or higher from Moody’s.
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.
Results: Compare produced seven quotes ranging from $148 per month to $329 per month. The quotes were all from fairly obscure companies; I didn’t see any of the big-name providers. The site allowed me to customize coverage, but only by going back to the coverage selection part of the process—meaning that I had to wait for the quotes to re-load each time. It also didn’t allow as many customization options as Insurify. Only one of the quotes permitted online checkout; all the others required speaking on the phone with an agent. I did like that the quotes all let you choose between a pay-as-you-go policy (with a down payment) or a pay upfront policy (at a slight discount).
Basically, collision coverage covers damages after your car crashes into something - such as a car or stationary object. Comprehensive (also known as OTC) coverage is everything else: Mother Nature, and acts of God, to thefts and vandalism (more info). Comprehensive and collision get bundled together, and pay for repairs or replacements up to the car’s current cash value (car's market value - salvage value).

If you are or were in the military, or if your spouse or parents were, you are eligible for USAA car insurance. USAA scores five out five stars across the board for customer satisfaction in California. Customers of the military company are apparently very satisfied with how they handle claims, interact with customers and the number of policies they offer.
Here's the information you'll need to get an accurate quote: your SSN, driver's license, VIN, (or vehicle specifications including airbag, anti-lock, alarm etc.), a record of accidents or traffic violations, the number of miles you drive a year, as well as a list of the memberships / associations you belong to. Go to each insurer and get a quote for the liability limits you're comfortable with.
Now as to Hartford, I have had them for years and claims for uninured motorist on my car ins and for storm damage on my roof due to large hail. Both claims settled satisfactorily. Cost to the company will never be recovered thru cost of my policies. Also policy cost is in line with other large companies but defiantly not cheap. I just received a quote from Liberty Mutual on my car insurance $400 less that Hartford. However the agent seemed reluctant to send me the quote via email. I thought this strange since I wanted to verify the coverage was he same as I have, he said I just reviewed the coverage (via phone call) to which I replied I didn’t record the conversation so please send me an email detailing the cost and coverage, He stated he would but that was a couple hours age and still haven’ heard back. Go figure.
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