List Of The Best And Cheapest Car Insurance Companies And How To Choose The Best One For You

Contents Of This Page

  1. Introduction
  2. Things To Know Before Shopping For Car Insurance
  3. Limits and Coverages What It All Means
  4. Top Ten Highest Rated Insurance Companies
  5. Best Places To Receive A Free Auto Insurance Quote
  6. Links To Other Lesser Known Agents

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Every kid dreams of the day when they will be of legal age to obtain their license and with it a new car. What they do not dream about is the many expensive responsibilities that arrive with the new car. Payments, gas, registration, inspection, repair bills and car insurance can be very over whelming to everyone, especially in today’s economy. Luckily there are insurance companies that understand how tight money can be and work hard to provide you with the best and cheapest car insurance.

Shopping for auto insurance can be extremely stressful and time consuming. Many people spend hours calling around for free insurance quotes. Having to give the same information repeatedly can be very annoying. There are many insurance companies that provide you with a free insurance quote online in minutes. In addition, some allow you to email your information to them, and then they will contact you with a quote. Some companies will even do most of the work for you and compare their quote with quotes from other well known insurance companies. There are many advantages to shopping for auto insurance online, one of them being you will never have to talk to another pushy agent again or spend your afternoon repeating the same information to ten different people. Below is a list of insurance companies that I have found to be the quickest and cheapest places to obtain a free auto insurance quote online.

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Things To Know Before Shopping For Auto Insurance

Before you start your quest for cheap auto insurance, there are a few things you should be aware of. Most of you probably know all this if you have purchased insurance before. However, you would be surprised at the number of people who are very lost when it comes to auto insurance and what everything means.

#1. Laws in one state may not be the same in another state meaning if you have moved recently it may not be a bad idea to familiarize yourself with the insurance laws for the state you now reside in. Most insurance companies factor this into your quote since you told them your state when you filled in your information. However, it is never bad to know too much about your state's laws. You can find out your states laws on automobile insurance here!

#2. Different jobs may require you to have a certain amount of auto insurance so even though you meet the state requirements it is always best to make sure you are meeting your job requirements as well. This is mainly for people who do any kind of transportation or drive a company vehicle.

#3. Any reputable insurance company is going to check your driving history. They will also ask you about any accidents or incidents you have had in the last few years. NEVER lie to them as they will find out the truth and lets be honest that would be embarrassing right? So before shopping around be sure to know the dates of any tickets or accidents because it will always be asked.

#4. Brush up on the limits and what they cover to make sure that you get exactly what you want. Otherwise you might regret it later if anything were to happen. You can find a brief description below and also the Internet is full of information on the topic.

#5. Go shopping! You are now armed with all the information you should need to make an informed decision. Insurance is not something that should be taken lightly and even though sometimes it is very tempting to get the cheapest insurance you can find it is not always the best idea, and you may regret the decision later. Insurance is there for a reason, and while you may never have an accident during your lifetime, there is always that chance and isn't it better to be covered through the ordeal?

Limits/Coverages: What It All Means

There are a few phrases you will come by and will need to know what they mean if you want to make an informed decision. This is just a brief description of these different parts of an insurance policy but more information can be found here!

Bodily Injury and Property Damage- These two things take effect if you are found liable for injury or death of another person or damage to there property. Split limits such as 25,000/50,000/25,000 means that the insurance company will pay 25,000 towards damages or medical bills but will not pay over 50,000.

Medical Payments/Personal Injury Protection - are both forms of insurance that cover, you guessed it, medical expenses for you or your passenger, regardless of who was at fault. Different states vary on the amount of coverage you need or if you legally need it at all (may be optional in some states).

Physical Damage coverage - Protects your vehicle from theft, fire ect. The limits vary on your vehicle or what you of value in it. This is usually optional.

Uninsured/Underinsured Motorist Coverage - Protects you and your passenger from people who do not have any or have little insurance and also hit and runs. This is a requirement in most states.

You will also come across your extras such as towing, roadside assistance ect. Many of the websites listed below explain all of these things in detail for you which is a great feature that you really don't get when talking to a live person. If you are calling places though you should still feel free to ask about any of these coverages that you do not fully understand. That is there job and what they are being paid to do, help you! Don't feel bad asking questions because after all it is your life and your property that you are dealing with when you are dealing with insurance!

There are a few more I just briefly touched on the ones that I knew the most about but more can be found at the link given above!

Top Ten Highest Ranked Car Insurance Companies

 

#1. GEICO (Government Employees Insurance Company)

The name GEICO may bring to mind images of a talking Gecko saying the popular phrase “Fifteen minutes could save you fifteen percent or more on car insurance”. While there signature spokesman might be cute he is only one of the many favorable features that GEICO offers to its customers. Here are some more:

  • Rated excellent in Response and Repair as well as Customer Service and Claims Timeliness.
  • Free auto insurance quotes available both online or by telephone.
  • Enjoy many great discounts including Good Driver, Good student and many more.
  • Manage your policy both online or by telephone.
  • Claims reporting available by telephone, online or there 24/7 claims center.
  • Offers rental reimbursements as well as emergency roadside assistance.
  •  Offers the option to track claims online.
  • Options to purchase online or by phone

Get your free online insurance quote from GEICO here!

#2. Progressive

Another well known company with a high standing reputation is progressive. It may be most known for its commercials featuring a woman who obviously enjoys helping people find discounts. They are also well known for being one of the first to compare quotes from other companies to their own. They possess many favorable features as well including but not limited to:

  • Offers rental reimbursement and emergency roadside assistance.
  • Rated excellent in Response and Repair as well as Customer Service and Claims Timeliness.
  • Free auto insurance quotes available online, telephone or with one of there many local area representatives.
  • Comparison quotes available from many other well known companies.
  • Enjoy many great discounts including good driver, low-mileage and many more.
  • Manage your policy with a local representative, online, by telephone or mobile phone.
  • Claims reporting available online, by telephone, with there 24/7 claims center, area representative or iPhone.

Get your Free Online Quote from Progressive here!

 

#3 Esurance

You may have seen the commercials on TV that display cartoon characters in many different dangerous situations. The cartoon characters then go on to describe how they are in luck because they have Esurance! Esurance is rated #1 Auto Insurance Website For Consumer Experience and offer many features such as:

  • Customers can purchase and print there documents online quickly and easily.
  • Offers an E-star direct repair program which is a real times repair monitoring program.
  • Rated excellent in Policy flexibility, Benefits and Discounts.
  • Free auto insurance quotes available online or by telephone.
  • Comparison quotes available from many other well known companies.
  • Enjoy many great discounts including a single parent discount which is very rare as well as many others.
  • Manage your policy online or by telephone.
  • Claims reporting available online, by telephone or with there 24/7 claims center.

Get your Free Online Quote from Esurance today right here!

 

#4. Nationwide

Many may have heard the catchy slogan “Nationwide is on your side”. Nationwide is rated fourth in the top ten places to get auto insurance. When the company first started out they provided insurance to ranchers and farmers. Over the years nationwide has expanded and now covers drivers all over the Nation. They offer many great features suck as:

  • Offers a Blue Ribbon Claims Service.
  • Rated excellent in Customer Service and Claims Timeliness.
  • Free auto insurance quotes available online, by telephone or licensed area agent.
  • Enjoy many great discounts including occupational, loyalty and many more.
  • Manage your policy online, by telephone, with an area representative or mobile phone.
  • Claims reporting available online, by telephone, with an area representative, with there 24/7 claims center or iPhone.

Get your free auto insurance quote from Nationwide here!

#5. USAA

This company started out offering insurance to government employees that many other insurance companies would not cover due to them being “high-risk”. USAA only offers insurance to some U.S Government Employees and U.S Armed Forces. They offer many favorable services like:

  • Rated excellent in Benefits and Discounts as well as Customer service and Claims timeliness.
  • Free auto insurance quotes available online, by telephone or licensed area agent.
  • Enjoy many great discounts including multiple vehicle, good driver and many more.
  • Manage your policy online, by telephone or with an area representative.
  • Claims reporting available online, by telephone, with an area representative or with there 24/7 claims center.

Get your free auto insurance quote from USAA here!

#6. Farmers

Like Nationwide, Farmers started out with the idea that farmers should have lower insurance rates due to them being in more rural areas and thus being “lower risk”. They have expanded over the years and now offer insurance to many people across the USA and also offer many great features such as:

  • Rated very good in all areas.
  • Free auto insurance quotes available online or with an area representative.
  • Enjoy many great discounts including good driver, occupational and many more.
  • Manage your policy online or with and area representative.
  • Claims reporting available online, by telephone, with and area representative or with there 24/7 claims center.

Get your free auto insurance quote from Farmers here!

 

#7. State Farm

Based in both the U.S.A and Canada State Farm, like Farmers and Nationwide, started their company by offering insurance to farmers and ranchers. They now offer to many people across the U.S.A and Canada. You may have seen the commercials that sing “Like a good neighbor, state farm is there”. They offer many great features such as:

  • Rated very good in all areas.
  • Free auto insurance quote available online, by telephone or with an area representative.
  • Enjoy many great discounts including full payment, automatic payment and many others.
  • Manage your policy online, by telephone or with an area representative.
  • Claims reporting available online, by telephone, with and area representative or with there 24/7 claims center.

Get your free auto insurance quote from State Farm here!

 

#8. Liberty Mutual

This insurance company can either be the best one for you or the worst depending on what you look for in an insurance company. The are one of the best when you consider the features that they offer but there customer service and claims department has been reported to be less then great. I personally don’t have experience with this company so it really comes down to your personal preference with this company. They do have some really great features including:

  • Rated very good in Customer service and Claims timeliness.
  • Free auto insurance quotes available online, by telephone or with an area representative.
  • Enjoy many great discounts including loyalty, multiple vehicle and many others.
  • Manage your policy online, by telephone or with there area representative.
  • Claims reporting available online, by telephone, with and area representative or with there 24/7 claims center.

Get your free auto insurance quote from Liberty Mutual here!

#9. Allstate

Many are familiar with this company’s slogan which asks customers “Are you in good hands”? However, many have reviewed this company as in the middle service. While not the worst out there they could improve in some areas, these areas mainly being there customer service and claims timeliness. Even though some areas need improvement they do offer some of the best features, which makes people ask themselves is it worth having the good with the bad?

  • Rated good in all areas.
  • Free auto insurance quote available online, by telephone or with and area representative.
  • Enjoy many great discounts including anti-theft, good student and many more.
  • Manage your policy online, by telephone or with there area representative.
  • Claims reporting available online, by telephone, with and area representative or with there 24/7 claims center.

Get your free auto insurance quote from Allstate here!

#10. AAA

When shopping for insurance I came across this company and was very surprised to learn that they offer auto insurance. While I knew this company existed I always though that they just specialized in roadside assistance. I’m sure that many other people would be surprised to learn that they offer auto insurance as well. While on the bottom of the top ten list, AAA offers some very worthwhile features. Not only do most people save money on there policy with AAA but you can also save money at many other locations such as hotels, Lens crafters and many restaurants. They do have one weakness which is that they do not offer liability or collision coverage. They have many other great features though, such as:

  • Rated excellent in benefits and discounts.
  • Free auto insurance quote available online, by telephone or with an area representative.
  • Enjoy many great discounts including multiple vehicle, occupational and many more.
  • Manage your policy online, by telephone or with there area representative.
  • Claims reporting available with there 24/7 claims center or by telephone.

Get your free auto insurance quote from AAA here!

Top Ten Places To Compare Auto Insurance Quotes Online

  1. www.NetQuote.com - Fill out one form and get FIVE quotes at once from these top insurance companies: Allstate, Farmers, Nationwide, Liberty Mutual, Progressive and State Farm.
  2. www.Insureme.com - Fill out one form and receive quotes from top companies as well as local agents some of the companies include Amica, Farmers, Nationwide, American Family and Unitrin.
  3. www.insurance.com - Compares auto insurance quotes from thirteen top rated companies like Progressive, Allstate, Met-life and many more!
  4. www.2insure4less.com - Fill out one form and receive quotes from many different companies such as Safe-co, Liberty Mutual, Arrowhead, AIG and many more!
  5. www.USInsuranceOnline.com - This site offers another very good quote comparing tool. They compare quotes from many of the top companies that were mentioned above. Fill out one form and receive quotes from companies in minutes.
  6. www.4freequotes.com - Filling out one form can get you 4 different quotes from the leading insurance companies in your state!
  7. www.The-Insurance-Place.com- Stating on there website that they are the #1 place to compare quotes this site specializes in quotes for all types of insurance including auto.
  8. www.TornadoPromotions.com - This site was rated number eight in places to get auto insurance quotes, by customers like yourself. However, when I visited the site I failed to see where to actually get your quote. I will keep it here just in case I missed something but I am going to apologize in advance if you cannot find it either!
  9. www.Auto-Car-Insurance.com - This is just a search from ask.com that features many different websites that offer free auto insurance quotes. Some of the companies found here were not mentioned above so it is worth checking it out.
  10. www.allstate.com - Believe it or not Allstate is one of the highest rated places to get compared quotes. It is rated above progressive by many customers who have tried both. It compares many of the top rated companies features above.

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Comments 3 comments

DOCINS 5 years ago

Online Car Insurance Quotes also available at docins.com


alenevsv337 3 years ago

BEST ANSWER: Try this site where you can compare quotes from different companies: http://www.usainsurancequotes.net


mireland19 profile image

mireland19 3 years ago from Maine Author

Very helpful advice. Thank you!

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