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Choosing the Best Car Insurance Company

Written by Michele Wilmonen. Posted in Research Last Updated: 01/24/2015

Price isn’t the only thing to look for in the best insurance company.

best car insurance company

Quality, not price, will show you who the best car insurance company is.

Everyone wants to end up with the best car insurance company in the industry. But how exactly do you know who that is?

Is it the insurance company with the best advertising? Nope.

Is it the insurance company with just the best price? Nope.

Finding the best car insurance company is going to take research and you asking a lot of questions of the person you are getting a quote from. Here’s what you should be looking for to find the best car insurance company.

Coverage

The amount of coverage you can get from an insurance company and the coverage counseling that you get from the insurance company or one of their agents is extremely important. We don’t just have insurance because it’s required; we have insurance to protect us and our financial assets.

The best car insurance companies are the ones that will sit down and talk to you in depth about your financial situation and suggest coverage that is best suited to prevent a financial disaster in the event of a major car accident. The best insurance companies will also offer limits that are high enough to prevent you from maxing out your coverage on a car accident. Because once the coverage is maxed out, you are personally responsible for paying for everything after that out of your own pocket.

Repair Experience

The true test of who the best car insurance company is happens when there is a claim. The best car insurance companies will offer you the following:

  • An option to use their repair shops or choose your own
  • Offer repair shops that are reputable
  • The assurance that if your repairs break or are not done correctly that they will make it right

What’s Not Covered

The best car insurance companies out there offer insurance coverage for everything and anything that can damage you or your vehicle.

Thought that all insurance companies did that already? Unfortunately, there are still insurance companies out there that don’t pay for damages that are caused by uninsured motorists, cars that are stolen, damage caused by animals, or damage caused by natural disasters.

So before you agree to purchase coverage from an insurance company, make sure that there are no coverage gaps in their policies.

Customer Reviews

An easy way to see who the best insurance companies are is to read customer reviews. While there are no perfect insurance companies out there, the best car insurance companies will have more positive reviews than negative reviews.

Check out our huge collection of customer reviews on almost every car insurance company in America here and find out just who is the best car insurance company.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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