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Best Car Insurance Companies Reviewed By You

Written by Michele Wilmonen. Posted in Research Last Updated: 02/23/2015

Reviews by current and former customers can help you find the best car insurance companies.

If you are in the market for new car insurance, finding the best car insurance company can be a daunting task. How do you know if you are selecting the right company to go with?

While there is no way to predict how your experience with any particular insurance company is going to go, you can learn from the experiences of other people. People that have taken the time to provide reviews of their experience with their current or former car insurance company just for people like you to read.

Best Car Insurance Companies by the Stars

We have been collecting car insurance company ratings from readers like you for many years now. So far we have quite the nice collection of companies that are still proudly holding on to their 5 stars and those that have yet to earn their first.

But because you are here to find out who the best car insurance company is, here are our companies that are proudly displaying 5 star reviews:

  • Allied
  • American National Insurance
  • Auto-Owners Insurance
  • Bear River Mutual Insurance
  • California Casualty
  • Cincinnati Insurance
  • Consumers Insurance USA
  • DTRIC
  • Eastwood Insurance
  • Elephant Auto Insurance
  • Frankenmuth Insurance
  • GMAC Insurance
  • PEMCO
  • Shelter Insurance
  • Vermont Mutual Insurance Group

Might Still Be the Best Car Insurance Companies

Because you can’t please everyone all of the time, we also have some pretty good car insurance companies that have 3-4 star ratings.  So don’t let the fact that these companies don’t have the perfect 5 stars prevent you from reading through the reviews or getting a quote from them.

  • 21st Century Insurance
  • AAA Insurance
  • AIG Insurance
  • Alfa Alliance Insurance
  • Allstate Insurance
  • American Family Insurance
  • Amica Insurance
  • Casualty Corporation of America, Inc.
  • Commerce Insurance
  • Direct General Insurance
  • Equity Insurance
  • Erie Insurance
  • Fred Loya Insurance
  • GEICO Insurance
  • Grange Insurance
  • Haulers Insurance
  • Imperial Fire and Casualty Insurance
  • Liberty Mutual Insurance
  • Mercury Insurance
  • Nationwide Insurance
  • Progressive Insurance
  • Safety Insurance
  • State Farm Insurance
  • The General Insurance
  • Travelers Insurance
  • USAA Insurance

For more insurance reviews, or to add your own experience with your insurance company to our reviews, visit our Auto Insurance Reviews page.

Car Insurance Coverages in a Nutshell

Written by Michele Wilmonen. Posted in Research Last Updated: 02/22/2015

All of the important information you need about car insurance in one article.

car insurance

All the main car insurance coverages you need to know about in one quick article.

You may feel completely overwhelmed when you are trying to figure out what and how much car insurance you actually need on your vehicle. So to help you out, here is a quick guide with everything you need to know in less than 500 words.

Coverages

Liability coverage (mandatory in most states) – Covers the other person’s expenses when you’re at fault in and accident, it does not cover the people in your car.

Bodily Injury Liability (mandatory in most states) – Pays for the medical expenses of people injured in a crash in which you’re at fault. You’ll often see these policies with the numbers “20/50” policy or a “100/300” policy. These numbers describe the highest dollar amount the insurance company will pay for a single person’s injuries (the first number) and the maximum for all the injuries sustained by all the occupants of the other car (the second number). For example, a 20/50 policy will pay up to $20,000 for a single person’s injuries, and no more than $50,000 total for the injuries of everyone in the car you hit.

Property Damage Liability (mandatory in most states) – This pays for damage done the other property that you hit. Property liability is listed   as a third number in the string of liability numbers (20/50/10). The 20/50 is described above and the 10 is the $10,000 maximum that would be paid out on your behalf for the damages to the other property.

Personal Injury Protection (PIP) – Covers your and your passengers’ medical expenses from an accident.

Uninsured/Underinsured Motorist Coverage – Cover costs if you are hit by someone without insurance, or not enough coverage.

Collision – Pays for repairs to your car after an accident.

Comprehensive – Pays for damaged to your vehicle that is not from a collision (animal hits, theft, etc.)

How Much of These Above Coverage Should You Buy?

That depends on the state you live in and your financial situation. Every state has different car insurance laws which will determine what coverages you have to have and much you have to have of it.

Also you financial situation needs to be taken into account when you get insurance, because you don’t want a single car accident to put you in financial ruin,

The good news is that your local car insurance agent can help you determine exactly how much car insurance you need to be protected.

6 Steps For After a Car Accident

Written by Michele Wilmonen. Posted in Research Last Updated: 02/15/2015

car accident

Get that car accident reported as soon as possible.

Better to have a plan, than hope for the best after a car accident.

If you drive a car, you are most likely going to be in a car accident at one point or another. This isn’t to say that you are going to cause a car accident at some point in your life, only that you will be an involved party.

So when the time comes that you are in a car accident, keep these 6 steps in mind to make the initial stages of the claims process with your insurance company go as smooth as possible.

Car Accident Step 1: Call the Police

Before you even get out of the car to talk to the other person call 911 and report the accident, especially if the accident is not your fault. It is best to do it before talking to the other person so that they can’t talk you out of getting the police involved.

If there are any injuries this will also get help there faster than if you waited.

Car Accident Step 2: Get Information

Write down the license plate number, the make of the vehicle, and the model of the vehicle of the other person first. After you get that information, then talk to the other person for their name, number, and insurance company information.

You want to get the license plate first, just in case the other person decides to leave the scene of the accident.

Car Accident Step 3: Keep Quiet

Never ever admit that you were at fault for an accident to the other person or the police at the scene.

Car Accident Step 4: Make Detailed Notes

Write down everything you remember from the car accident as soon as you can.  This includes the time, the weather conditions, anything in the road, what you did, and what you saw.

Car Accident Step 5: Police Information

When the police take your statement, don’t forget to get their information also. You are going to want the name and badge number of the police officer, as well as how you can get a copy of the police report.

Car Accident Step 6: Call Your Insurance Company

If at all possible call your insurance company from the scene of the accident. Getting it done and out of the way will get your claim on track to be processed faster. It is also best to give your claim statement while the accident is still fresh in your mind and hasn’t had a chance to fade in your memory yet.

Most car insurance companies have claims departments that are open 24 hours a day so you should be able to get a hold of them to file your claim, regardless of when your accident happens.

Switching Car Insurance Companies for a Lower Price?

Written by Michele Wilmonen. Posted in Research Last Updated: 02/09/2015

J.D. Power says that price alone may not keep you happy with your new car insurance company.

A study done by J.D. Power and Associates in 2014 found that consumers are actually more likely to be happy with their car insurance company if they are treated well, not just if they are saving money. So while you may not like that price hike that you just got from your current insurance company, you are more likely to still be happy with them if they treat you well, compared to a new insurance company that may be cheaper but treats you badly or indifferently.

Key Car Insurance Satisfaction Findings

Directly from J.D. Power and Associates, these are their key findings:

1) On average, customers saved $300 when switching insurers in the past 12 months. The longer customers had been with their previous insurer, the greater the savings when they switched carriers, likely because they had been experiencing rate increases. Customers who were with their prior insurer for 11 years or longer before switching save an average of $426 per year on their premiums, compared with $291 among those who had been with their previous insurer less than two years before switching. Moreover, satisfaction among customers who had been with their insurer 11 years or longer prior to switching is higher than among those who were with their insurer fewer than two years (855 vs. 820, respectively, on a 1,000 point scale).

2) Insurers that achieve high satisfaction scores by providing an outstanding onboarding experience also retain a higher percentage of those customers and have fewer new customers shopping. Among customers who are highly satisfied in their first year with their insurer (overall satisfaction scores of 850 or higher), 81 percent remain with that insurer and only 41 percent shop other insurers. Among customers with lower satisfaction in the first year (809 or lower), only 61 percent remain with that insurer and 61 percent shop.

3) Rate increases do not drive customers to shop as much as poor service does, as customers are tolerant of a certain level of rate increases. However, rate hikes of more than $200 can triple the rate of customers who switch insurers.

Car Insurance Companies That Satisfy

If you are just fed up with how your insurance company treats you and need a new one, try one of these 5 insurance companies that ranked the highest in the J.D. Power and Associates annual Insurance Shopping Study:

Per the results of the study, one of these 5 will make you a lot happier than the car insurance company that can quote you the lowest rate.

Getting the Most Out of Car Insurance Reviews

Written by Michele Wilmonen. Posted in Research Last Updated: 01/31/2015

Car insurance reviews are a great way to find the truth about a car insurance company.

car insurance review

Car insurance reviews give you a chance to measure and assess what an insurance company is really like.

Relying on an insurance company’s advertising to tell you what they are really like is like asking the cooks at a chili cook off who has the best chili. You never ask the source!

If you want to truth about how something is, you ask someone that has no vested interest and who has tried a product or company. This is exactly what most car insurance reviews are.

Negative Car Insurance Reviews

Most car insurance reviews will give you a pretty good idea as to what a car insurance company is like. However, the other ones are from people that have written their car insurance review with an agenda. They are the ones that have a vested interest in the car insurance company, not in its success, but in its failure.

These car insurance reviews are pretty easy to spot as they are extremely negative and have no information to back up why the reviewer is giving a negative review. It could be because their claim was denied, but they fail to tell you that the police report stated that they were at fault. It could be because their rates went up and they claim to not know why, leaving out the fact that they added their teen driver to their policy.

These reviews are written by people that are upset and are striking out at the insurance company, because there is nothing else they can do. The best thing that you can do though, is to skip over these reviews and don’t take them into account when you are making a decision about an insurance company.

Positive Car Insurance Reviews

When it comes to positive car insurance reviews, they are usually written by people that are genuinely happy about their car insurance company. When it comes to car insurance reviews, you can usually trust a positive review more than a negative review.

The Perfect Car Insurance Reviews

The perfect car insurance reviews give information to backup why they are happy or not happy with their insurance company.

For example:

“XYZ car insurance is great because my agent went over my policy with me and found some extra discounts I qualified for that decreased my premium”.

Not

“XYZ car insurance is awesome!”

These are the reviews that you want to pay the most attention to as they are the most valuable and the most informative.

To find car insurance reviews for companies you are curious about, click here.

Car Insurance Guidebook Unravels the Car Insurance Mystery

Unless you work in the car insurance industry, the topic is probably a mystery to you. The words deductible, comprehensive, collision, liability, premium, loss of use and bodily injury are all gibberish when they reach your ears.

Unfortunately, insurance is something that you are required to have by law if you want to drive. Because of how confusing it is many people go around in almost an insurance daze while they get car insurance quotes from the auto insurance companies that they have heard of. In reality, they are completely lost as to what they are actually buying.

Instead of looking at what each insurance company offers in the terms of protection for both themselves and their car, they are instead looking for cheap car insurance. Finding the cheapest car insurance coverage makes having to buy the required product all that much less painful, but misses the whole point of having insurance.

Learning about insurance through your insurance agent or websites like Car Insurance Guidebook will give you the upper hand when you looking for car insurance. You can take your knowledge and not only find the best price for insurance, you can use it to find really great insurance to protect you and your assets. Then you aren’t stuck settling for just average car insurance that can hurt you financially if you ever need it because there isn’t enough protection.

For example, when looking for insurance the car insurance rates are just the first of many factors that need to be taken into account when you are shopping around for car insurance. You also need to take into account the type of vehicle that you are driving. Many people don’t know this.

Are you driving around a vehicle that is a new sedan and can be protected under any blanket insurance policy? Or do you have an old car that you fixed up that needs special protection and could be better covered under classic car insurance?

Don’t just assume that when you compare car insurance that it will be a one-size-fits-all policy. This is where the insurance knowledge will come in handy; you will know what you need to protect yourself and your vehicle.

You will understand what your insurance agent is talking about when they use insurance terms and you will actually be able to make an informed decision. This is much better for you instead of the “nod and smile” approach people take in their insurance agent’s office.

Also just like your life changes your insurance needs will change. This year you may just need to learn about the best deductible to have. Next year you may need to educate yourself on car insurance for young drivers. As the years pass, motorcycle insurance may be something you will need to know.

Many wise people say that you never stop learning, so take their advice and educate yourself on the insurance that you spend a lot of money on and can’t get away with not having.