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Top 5 Auto Insurance Companies in America
Liberty Mutual is one of the longest surviving insurance companies in the country (since 1958). It is the third largest publicly held Insurance company in the US. They provide a wide selection of comprehensive packages, including auto and homeowners insurance. Today they insure over 15 million vehicles. Customers have given it top ratings for
Progressive, which has been around since 1937, trains its focus solely on auto insurance. The company has created a solid client base. Many of them are satisfied and happy with the services they receive. Customers love its user-friendly online policy services. They offer many discounts and have a strong online presence.
Allstate has received high ratings in insurance company studies due to the good report its customers give for their rental care experience with Allstate. In addition to its brick and motor offices, and its network of agents spread across the country, the company has an excellent website (helpful and user-friendly)
State Farm was founded in 1922. It initially worked with farmers and ranchers only, on the presumption that these clients drove their automobiles in less risky environments than city dwellers. Over the years they expanded to cover auto insurance policy in all of the US and Canada. It is the largest auto insurance company in America. It tries to instill a sense of neighborliness in the business.
USAA currently has a glowing reputation and is one of the three highest rated auto insurance companies in the US. However, it only serves the immediate families of military personnel, active or former. In the 2016 J.D. Power report, it received the only perfect score. Other than top ratings, the company is desirable because of excellent customer service and the diversity of its policy options.
Other top companies you might want to look into include Esurance, Hartford, AAA, Geico, and Slate Farm. Each of these companies is rated highly in studies and customer feedback, and they all offer excellent services. But still: do your own research before you commit.
Five things you didn’t know about insurance
1. Your Car is Covered, But NOT Your Laptop….
Yep, that’s right! If you are on your way work with your laptop in tote, and you are rear ended or side swiped, you are most likely out of luck! Or if you stop to grab a quick coffee between classes and leave your tablet in the car and it gets stolen, don’t hold your breath! Most comprehensive car insurance policies will not reimburse you for items that are stolen or damaged while in your car because you stuff is not considered part of your cars value. Note to self, if it is valuable, leave it at home. Or if you need your expensive items with you every day, as most of us do, purchase a rider on your home policy. Take photos of you property and always keep receipts!
2. Paying annual Premium will save you $$$
If you have the extra cash lying around, save some money and pay for your policy in one lump sum. Paying your premium on a monthly basis sounds easy, but you end up paying a lot more. If paying twice a year sounds more realistic than the lump sum, you’ll save money that way too. Always ask for your payment options, you will see huge savings!
3. Is Fido Covered?
People these days take their pets everywhere with them. So what happens if you are in an accident and your pet is injured? Some insurance companies will pay up to $1,000 for veterinarian bills for you injured pet. This coverage is not available in every state so be sure to ask if your pet is covered!
4. Got Bad Credit?
Unfortunately, bad credit affects everything. If you have no credit or bad credit, your rates will be higher. But, as you improve your credit score you should shop for better rates. You can change auto insurance anytime you want. The better credit you have the better rate you will get!
5. Do you have Degree?
If you do, you will likely pay less! The amount of education you have will play a role in your insurance rates. Sounds a little unfair right? So why is education level a factor in auto
what do you think?
Before you decide which type of coverage you want, do your research to find out what it means in your state, what it covers and doesn’t cover, and how much it costs. Also, meditate on your situation, and figure out your most likely automobile-related risks to ensure you take out the most appropriate Auto Insurance Coverage.