Shop Around for the Best Auto Insurance Companies
Top 3 picks for best auto insurance companies by Money Expert, Clark Howard includes the two leading auto insurance companies of America, U.S. Auto Insurance of Kentucky and Nationwide Car Insurance of Ohio. But, if you live outside of Pennsylvania or New Jersey, Clark also likes NJM Insurance Company because of its solid track record. He also has this to say about the policies and coverage provided by these top auto insurance companies: “The thing about American auto insurers is that, they’re all so similar. That makes shopping for car insurance a long process – it’s hard to compare companies.”
So, what are the best auto insurance companies? The answer to that question is not an easy one. For every insurance company, one can find hundreds of customers and clients listed on their web sites or in their annual reports. You can look up your local Better Business Bureau online to see what kinds of customer complaints have been logged against each insurer. This will give you a good indication of how likely you are to have an accident, and how likely you are to have your premiums raised if you do.
So, now you have a general idea of who the best car insurance companies are. What kind of coverage do you need? Does your current policy offer enough coverage or does it leave something to be desired? What about adding accident forgiveness to your policy?
Some people find themselves shopping for insurance without a clue. They read online reviews, talk to friends, and even ask some of their family members if they can recommend a reputable insurance company. What’s interesting about this is that the people they read and talk to may not even be insured yet! So, when you’re trying to decide which one is the best auto insurance companies, these are some of the things you should know. These are the popular auto insurance companies by most people’s estimation.
Of course, this doesn’t mean that these are the only ten top-rated auto insurers in the country. That would be a ridiculous list to begin with! However, these are definitely the ones that almost everyone goes for on their automobile insurance. This is because they are the most easily found and the easiest to get quotes from. Because of this, nearly everyone has heard of at least one or two of the ten top-rated insurers.
When it comes down to it, there are basically two types of insurance – basic and comprehensive. Comprehensive covers you for accidents, damage to your vehicle and other things. It also helps if the damage you cause to others is higher than the cost of your repair. Basic coverage, as the name suggests, takes care of basic damages to your vehicle. It is typically required by law in all 50 states, although some have made slight variations to the minimum coverage in order to protect motorists in certain situations.
When it comes to shopping around for insurance quotes, you should know that you can get more than one quote from an insurer. For example, if you get in an accident, no matter who is at fault, you can file a claim with your own insurer as long as you have obtained the proper insurance requirements. However, an “at-fault” policy will not cover you and your vehicle. You’ll have to file a claim with the other party’s insurer, or go to another insurer for this coverage.
While Esurance and Progressive may be nationwide players in the insurance industry, they are definitely nothing compared to what some of the smaller companies can offer you. In fact, you can save even more money by choosing to obtain your auto quotes online. In fact, many people prefer this method of obtaining multiple quotes because they do not have to talk directly to anyone, especially in person. If you’d rather speak to someone, however, you’re free to do so during the application process.