When looking for car insurance coverage you have plenty of options to pick from. It does not matter what part of the United States you reside in there are companies around that offer car insurance policies. Here we provide a list of car insurance companies in the United States that are worth a closer look. Some companies are more well-known than others and have been in business longer. The ones we list here are all major players when it comes to car insurance.
AAA Car Insurance Company
If you need roadside assistance then AAA Car Insurance is there for you! This is one of the country’s strongest names for help when you are on the nation’s roads and encounter a problem. The company also offers many reasonably priced car insurance plans to interested parties. AAA stands for the American Automobile Association. There are different auto insurance divisions depending upon where you live in the United States. Visit their website to learn more.
ACE Car Insurance
The ACE Group was founded in 1985. This year it celebrated its 25th anniversary as one of the world’s leading casualty insurance companies. The company offers affordable car insurance coverage as well as other types of unique insurance policy that you would not necessarily be able to find anywhere else.
AIG Car Insurance
AIG happens to be one of the largest insurance providers across the globe. The automobile insurance policies of AIG are no longer sold under its name but the 21st Century Car Insurance name. Please note that this company was recently acquired by Farmer’s Insurance Group.
Allied Car Insurance
The Allied Car Insurance Company started in Des Moines, Iowa 80 years ago. It began as the ALLIED Mutual Automobile Association and has come to be responsible for a Fortune 500 company called Nationwide Car Insurance. Allied Car Insurance makes the list of car insurance companies because it is one of the largest in the United States. Allied Car Insurance today boosts a network of 4,000 independent agencies across 33 states.
Allstate Car Insurance
Another impressive and well respected name in the world of car insurance, Allstate offers a selection of car insurance policies to its customers. It also offers other types of insurance coverage such as life insurance.
Auto Owners Car Insurance
The Auto Owners Car Insurance Company was founded in the state of Michigan in the year 1916. It offers car insurance to customers in 26 states and operates over 6,000 independent agencies. The Auto Owners Car Insurance Company has won its share of prestigious awards over the years. Recently it was presented with the honor of “Highest in Customer Satisfaction with the Auto Insurance Claims Experience, Two Years in a Row” by J.D. Power and Associates.
Other Options
As far as a list of car insurance companies is concerned, this is only the tip of the iceberg. Other options for you to take a closer look at include,
- Chubb Car Insurance
- Comparison Market Car Insurance
- Country Car Financial Insurance
- Deerbrook Car Insurance, Direct General Car Insurance
- EMC Car Insurance
Still other insurance providers to look at for your automobile insurance include
- Esurance Car Insurance
- GEICO Car Insurance
- GMAC Car insurance
- Infinity Car Insurance Company
- Liberty Mutual Car Insurance
- Nationwide Car Insurance.
Most Affordable Car Insurance Companies
When shopping for car insurance within the United States, you need to consider two primary things. First, you want to make sure the policy contains coverage for the type of protection you need and second, you need the policy to be affordable. Unfortunately, some people think if you save money on insurance the coverage is subpar but in truth, you can get an excellent policy simply by working with the most affordable car insurance companies in the country.
Finding car insurance does not need to be an overwhelming experience. Instead, you can look at the most affordable car insurance companies in the city where you live, as well as the most affordable car insurance companies online. As you locate anywhere from three to five possibilities, the next step would be to request official quotes. Once you get information from each company, you can then make side-by-side comparisons of what all the policy includes, but also excludes.
To help you get started on this insurance buying journey, we have listed the most affordable car insurance companies in the nation that you could at least start with. These companies have websites you could visit to learn more about the company’s history, financials, locations, mission, insurance coverage, pricing, and more.
• Safeco Insurance Companies – The first company on our list of the most affordable car insurance companies is Safeco. For a person with a good driving record would be able to secure a policy for as low as $84 a month for a six-month premium. In this case, cost for collision deductible is $250 for each incident, and for comprehensive coverage the deductible is $0. In addition to affordability, Safeco also provides higher than average liability limits of $100,000/$300,000. This type of policy also provides $5,000 coverage for medical coverage. The only two things not covered include rental car and towing.
• Hartford Insurance Company – The second one of the most affordable car insurance companies we wanted to mention is this. With this, a six-month premium runs around $68 a month and although less than what Safeco offers drivers, the policies do differ. For one thing the cost of deductible for collision is $500 for each incident and for comprehensive, $250. One benefit in this case is that for windshield repair or replacement, there is no deductible. Then, the policy offers $5,000 for medical coverage and it is available for both uninsured and underinsured motorists. Again, the Hartford Insurance Company does not provide reimbursement for a rental car and towing is not available.
• American Family – This long-standing company is yet another of the most affordable car insurance companies, which runs approximately $65 per month, which includes uninsured and under insured motorists, as well as medical coverage. The deductible for collision is around $500 and for comprehensive, $250 that includes coverage to repair a windshield. This insurance company does offer rental car reimbursement for an additional rate but no towing.
• Allstate – The fourth company on our list of the most affordable car insurance companies is Allstate, which has a monthly premium around $90. Deductible is $500 for collision and comprehensive, which includes windshield repair. In addition, the premium provides underinsured and uninsured, as well as medical. Unfortunately, towing and road size service are not available.
• Geico – We have all seen the little green gecko and while whimsical, this is one of the most affordable car insurance companies with excellent policy options. While the average policy runs $105 per month, the company does have several policies from which to choose based on individual need. As far as deductible, both collision and comprehensive are $500 per incident.
Affordable car insurance is possible if you look in the right places. Thanks to the Internet you do not have to drive all over your town or city to talk to different insurance agents and different insurance companies. Instead you can sit down in front of your home or work computer and look for car insurance quotes from a variety of different insurance providers.
The competition that exists between car insurance companies plays a big role in the availability of affordable car insurance. Due to the fact that there are so many companies out there that are clamoring for your business finding insurance that fits into your budget should not be that difficult to find at all. Take some time to do some browsing online and you will be pleased at what you will find. Today almost every insurance company has a website. Having a presence online makes you visible and it helps to provide you with more business. Go online today to find affordable car insurance.
In order to save money on automobile insurance you need to put a very basic three step process into play. The process involving learning, questioning and comparing. As you go through this process you need to keep a well-known quote in mind. The quote is, “The devil is in the details.”
Learn
You need to take the time to read up on car insurance and to understand all that is involved in the policies. This means every element of such a policy as well as the terms associated with it. For example you need to understand personal injury liability, rental car coverage and GAP insurance. To put it another way, you need to understand what the coverage is and how you go about making an insurance claim before you apply for the policy. It has been estimated that over 80 percent of car insurance customers do not take the time to read over their policies and understand them. In fact many people do not even look them over at all. Do not make this mistake.
Question
Ask questions of the insurance company before you sign anything. To find affordable car insurance coverage you have to ask questions to get the right answers. Inquire about car insurance discounts and search for recommendations of car insurance providers through loved ones, friends, co-workers, neighbors and acquaintances. Another viable option is to ask local car dealerships. Take all of the information you have received from various sources and write up a list of requirements that you have before you start to look for quotes and talk with insurance company representatives.
Compare
Comparing insurance companies is the fun part in the process. Once you know all there is to know about car insurance you can go online to find out companies that can offer you quotes. Many of these will be free quotes which are even better! Make sure that you consider other factors such as the location of the offices and the hours of operation. Do not just compare quotes based on the money factor and the cost of the monthly premiums when you shop for affordable car insurance.
