Top 10 Georgia Car Insurance Companies
When 14 percent of drivers are uninsured, you need to make sure you have the coverage you need to protect you in the event of an accident. Georgia drivers can use this guide to compare coverage and insurance rates from GEICO, Progressive, and the rest of the top Georgia car insurance companies, or you can enter your ZIP code below to compare cheap car insurance quotes near you.
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UPDATED: Apr 13, 2022
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Over 6 million automobile accidents occur annually in the United States. Statistics estimate that nearly 14 percent of the drivers in this country do not have auto insurance coverage. In Georgia, more than 1,720 motorists are involved in crashes every day. These startling truths make it imperative to gain a policy that is well-suited to fit our individual needs from a company that can be trusted. Let’s explore some of the top-ranking Georgia auto insurers. Compare Georgia car insurance with our FREE comparison tool!
What are the top 10 Georgia car insurance companies?
There are a myriad of Georgia car insurance companies to choose from. Each one has its strengths, as well as its weaknesses, yet there are a few that are the cream of the proverbial crop. We will discuss the top ten companies in order of their rank based on qualities such as their average rates, customer service, efficiency, and quality of auto insurance policies.
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With its charming green mascot and affordable rates that beat competitors ninety percent of the time, Geico is the clear financial frontrunner in Georgia auto insurance companies. Their motto is “15 minutes could save you a lot of money” and they make good on their word. If you value customer service, however, they may not be the company best suited to fit your needs.
There are many negative reviews from Geico clients that state the atrocious behavior of the agents that they have dealt with when faced with a claim. They all cite reluctance to reach any kind of settlement and even list childish antics, such as avoiding phone calls and claiming not to have received faxes that have been sent repeatedly. These same disgruntled customers are all quick to mention that the coverage rates are the best to be found.
If you are a very careful driver, then Geico might just be the company for you. It’s important to remember, though, that accidents happen to even the safest of motorists.
Progressive is another well-known name in auto insurance. The majority of consumers that have dealt with this company rank the customer service from the median to high range. There are several rave reviews from delighted customers that have dealt with the claims agents and received consideration and fairness in their dealings.
The negative reports all center on rising coverage rates. Many customers express dissatisfaction with their growing cost of coverage, which is at odds with their own spotless driving records; many companies reward good vehicular behavior. One reason for this phenomenon is a company policy that raises the rates of any driver who lives in an area with other travelers that have had multiple accidents. This policy is reminiscent of the elementary school punishment of extra homework being rendered upon the entire class when just a few children have exhibited poor behavior. No one enjoys paying for the mistakes of others.
The bottom line is that this could be a good company for you if you tend to be accident prone. There are no rewards for good driving skills, but the customer service is fine, which bodes well for those who will be dealing with their claims agents on a regular basis.
A company that most of us are familiar with is State Farm. State Farm insures one out of every five cars on the road, making them the popular choice. They are known for friendly customer service and fair policies that reward excellent driving skills.
One popular policy is the umbrella coverage that a child over the age of 18 can receive if their parents are insured by the company. As long as the child stays on their parent’s policy, their rates remain lower than what most competitors will offer to younger drivers. This makes State Farm a great choice for families that are sending their children off to college.
There are several scathing reviews, however, that leave one to wonder how the company has progressed to the top of the auto insurance chain. Many customers decry unfair payouts that they have received for claims. They insist that they were given far less than what their damaged property was worth before the incident occurred. There is also the matter of their lamentable practice of repairing wrecked vehicles with parts obtained from other wrecked autos at salvage yards. This has earned them the nickname “Snake Farm.”
Another top insurance provider in Georgia is Unitrin Direct. There are many complaints about them, but they mainly come from people who do not hold a policy with the actual company. Those that are disgruntled are the victims of accidents, in which the other driver is insured by Unitrin Direct.
They are not known for good customer service; the reviews show that no one wants to find themselves in an accident with someone who is covered by them. Many victims of motor vehicle accidents that were the fault of drivers insured with the company have stated that Unitrin is difficult to get a settlement from.
A company that is respected for their attentiveness to customers is Liberty Mutual. They have become very well-known for their exquisite customer service. Many consumers rave about the empathy, kindness, and compassion that is shown towards them when dealing with the claims agents. They seem to truly care for the people that they do business with.
They offer discounts for consumers who have attended specific colleges and discounts based on the degree of collegiate education achieved. They also offer “good driver” rewards. It’s always a bonus when exceptional behavior pays off in the form of money saved.
Esurance is an Allstate company that is relatively new to the auto insurance business, yet they are already making waves. They are swift in dealing with claims and new coverage policies can be obtained immediately in your home and printed out via your computer. This company is very straightforward and down to business. They are a great candidate for patrons with busy lives that leave them with little time for meeting with agents in order to become insured.
Another household name in insurance is Nationwide, but the company has a downside. It seems to avoid conflict and altercations, even at the expense of their clientele. Many customers have cited reluctance on the part of the claims agents to go to bat for them when an accident has occurred. One disappointed client had the unfortunate experience of the insurance company conceding that she was partially at fault in a fender bender, when the original accident report stated that the other driver was the one who was at fault.
This company may have nice rates and friendly customer service personnel, but an agent should be willing to fight for their client, rather than roll over and play dead. This lax approach to protecting their customers is reprehensible and leaves one to wonder if Nationwide is really on our side.
A company that will stand up for its consumers is USAA. It was originally founded for members of the armed forces who were considered to be high risk by other insurance agencies and, therefore, had trouble obtaining coverage. Their rates are surprisingly low and their customer service is beyond compare. They stand by our country’s active duty, reservists, and National Guard members. They will allow for payment of the 6 month premium in monthly installments, making coverage easier for our armed forces, who often live paycheck to paycheck.
USAA is without doubt an extraordinary company; however, to be insured one must be a member of the military, a military spouse, or other military dependent. Rates this good are exclusive to those who have served their country.
Allstate is another company with much to offer. There are a myriad of benefits and discounts that can be obtained. They range from bonuses for installing safety mechanisms on insured vehicles, to being a good student or a senior citizen. This is a great company for anyone who enjoys being rewarded for good behavior and smart choices. A gold star is received in the form of lower monthly premiums.
They also boast an accident forgiveness policy, which is enticing to the careful drivers who only get into the occasional and rare scrape. This company was founded in 1931 and has built a steadily growing clientele in the years since. Another perk is the availability of local offices for consumers to meet in person with agents.
A company with an interesting history and growth is Farmer’s Insurance. Farmers Insurance was originally founded for farmers and ranchers, people who are considered to be low risk motorists, unlike their fast-paced urban neighbors. Since its original creation, they have branched out and now ensure a wide variety of consumers in all walks of life.
One true advantage that Farmers Insurance holds over its competitors is the abundance of office agencies that are still widespread and available to those who would rather speak with someone face to face than through type, text, or phone. Meeting with an actual representative that can explain the terms and conditions can be priceless when negotiating claims or trying to lower monthly premiums.
With so many insurance entrepreneurs vying to provide coverage to open candidates, it is important to focus on your own unique needs in order to decide which business qualities are most important to you. Whether you are simply interested in the lowest possible premiums or most valued kindness and consideration from your agent, there is a company that is ideal to provide pertinent service.