Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 14, 2020

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It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Car insurance comparison shopping should be easy. We partner with top car insurance companies. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • The very first step in finding the best car insurance is to understand the coverage provided
  • Secondly, you really want to make sure any potential car insurance company is solvent and rated satisfactory by insurance company rating agencies such as J.D. Power or even the BBB (Better Business Burea) for your state
  • We have a great section called car insurance discounts you can visit and learn about some of the available discounts from most car insurance companies but remember, it’s up to you to ask about them

Car insurance is a mandatory requirement for every vehicle owner but how do you choose the best car insurance company?

A large number of car insurance companies exist and they all seem to claim you can save money by switching so which ones are the best car insurance companies to choose from?

The answer to this question is not as simple as one may think since every driver has different requirements.

Car insurance premiums vary according to a number of factors (from your driving record to the make and model of the car to the zip code you reside) so choosing the best car insurance company for your unique needs requires some time to both understand the coverage provided and the company issuing such coverage.

Use our free quote tool above to compare rates with leading auto insurance providers!

Table of Contents

Understand the Elements of a Car Insurance Policy

The very first step in your search for car insurance is to understand the coverage provided.

Most consumers do not understand what the letters PIP stand for or what No-Fault Car Insurance really means so visit our education section to learn about common terms and the different parts of a car insurance policy here.

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Insurance Company Ratings

Secondly, you really want to make sure any potential car insurance company is solvent and rated satisfactory by insurance company rating agencies such as J.D. Power or even the BBB (Better Business Burea) for your state.

Just taking the time to a double check is worth it to see if any serious complaints were filed but most likely you will always find some negative stuff about one car insurance company or another so pay more attention to the reputation of the company and recommendations by friends.

Auto insurance is a regulated industry so its pretty easy to find information on a car insurance companies reputation however like any industry remember that happy clients never complain.

Also remember that even the best-capitalized firms on paper can disappear overnight so it’s probably better to focus more time on comparing items such as customer service, claims handling, policy coverage and the smaller details from insurance companies who seem to be as trustworthy as they can be based on a general street recommendation of their brand

Consumer Reviews

The power of the internet is fully in force with customer reviews and reviews about car insurance companies can be found online like every other product. Start with a Google search like this

“Insurance Company Name + reviews”

For example, if you want information on reviews about Allstate’s car insurance programs Google

“Allstate Car Insurance Reviews” or “Allstate Reviews”

It’s always wise to use the keywords “car insurance” in your search since most car insurance companies also provide other insurance products and this will help you weed through the Google results.

Learn about Multiple Product Discounts

Most car insurance companies are trying to sell you a product and will advertise lots of car insurance discounts however they are probably not going to offer you all the discounts unless you ask.

We have a great section called car insurance discounts you can visit and learn about some of the available discounts from most car insurance companies but remember, it’s up to you to ask about them.

In the end, it’s about finding a car insurance company who provides you with the best coverage at the best price while also providing all the tools you need to use your policy such as 24-hour claims processing, assistance in a second language, online account access and more.

No one can really say who the best car insurance company is but you should always start your car insurance comparison search online before choosing a provider to find the one that is best for you and your family.

References:

  1. https://www.consumerreports.org/car-insurance/10-tips-to-save-on-car-insurance/
  2. https://www.investopedia.com/articles/pf/06/carinsurance.asp
  3. https://www.forbes.com/sites/robertberger/2017/12/10/11-quick-ways-to-save-money-on-car-insurance/#3a6034d14a88
  4. http://www.jdpower.com/
  5. https://www.bbb.org/en/us
  6. https://www.consumerreports.org/cro/news/2015/08/top-car-insurance-companies-that-wont-break-the-budget/index.htm
  7. https://www.cbsnews.com/news/car-insurance-home-insurance-bundled-insurance/