Best Car Insurance Online Companies
We've taken the guesswork out of finding the best car insurance companies by analyzing the important factors that will affect your customer experience.
We evaluated the major auto insurance companies based on average prices for different drivers, available coverage features, complaint levels, claims ratings from auto repair professionals, and how well understood the insurance company's websites are. Check out our top picks below.
The insider's view of auto insurance claims
If you're lucky, you'll have very little experience with collision repairs. It also means you won't necessarily know if you're getting superior claims service compared to other insurers.
Collision repair professionals have the advantage of dealing with insurance companies on a daily basis and know which companies try to minimize damages and which companies have processes that slow down the repair process.
That's why we've combined the insurance company degrees of collision repair professionals provided by the CRASH Network.
Says John Uswick, editor of the CRASH Network, which features a weekly newsletter covering the auto insurance and accident repair market segments.
"But every day, auto repair shops see which insurance companies prioritize cost savings by pushing out the cheapest parts and repair methods, and which insurance companies take better care of policyholders by prioritizing repair quality and using methods for repair recommended by the companies. parts industry,” he says.
CRASH Network produces an annual insurance company report card that provides insight into insurance company claims processes that others don't see. Auto body repair professionals across the country are being asked, "How good are this company's claims handling policies, payment practices and behaviors that ensure quality repairs and customer service for drivers?"
"This knowledge gives the auto body a unique perspective that insurers consistently receive an 'A' when it comes to customer service and proper repair for policyholders, and which insurance companies deserve a 'C' or 'D,'" says Uswick.
Of the 75 insurance companies awarded by the CRASH Network, only North Carolina Farm Bureau, Chubb, Erie and Michigan Farm Bureau received grades in the "A" range.
More about Gekko Car Insurance
Geico sells auto, motorcycle and classic car insurance. For those who enjoy a little more adventure, Geico also sells RV, ATV and boat insurance.
Optional types of auto insurance coverage include emergency roadside assistance, rental reimbursement and mechanical breakdown insurance.
If you're worried about the price going up after an accident, Geico offers accident tolerance insurance, which you can pay to add to your policy or earn by keeping a clean driving record. Geico will waive the first at-fault driver accident listed on your policy.
Geico also sells auto insurance in Mexico if you plan to drive south of the border.
Geico auto insurance discounts
Geico offers many discounts, especially for drivers who practice safe driving habits. If you are in the military or part of an emergency deployment, you can get between 15% and 25% off your policy. And if you're a loyal customer, you can take advantage of a multi-vehicle or multi-policy discount. Other auto insurance discounts include:
Discounts on vehicle equipment: Does your vehicle have some of the latest safety features such as side airbags, full front seat airbags, anti-lock brakes or an anti-theft system? If so, you can save up to 40% on the medical payments or personal injury protection portion of your policy.
Driving history and habit discounts: If you have a good accident-free driving record for five years, you can get up to 26% discount on most covers. Also, if you and your passengers wear seat belts, you can save up to 15% on medical payments or the personal injury protection portion of your policy.
Discounts on driving courses: If you complete a defensive driving course, you can save on your premium.
Driver Education Discount: If you have a young driver on your policy who is completing a driver education course, you may qualify for discounts on most types of your coverage.
Good student discount: For drivers aged 16-24 who are enrolled in school full-time, you may be able to get a discount if they achieve a B average or better.
Federal Employee Discount: Whether you are an active or retired federal employee, you can take a discount of up to 8% on your premium