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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Key takeaways...

  • Some define car insurance groups as car insurance companies who offer car insurance coverage for particular vehicles
  • Choosing the best auto insurance company depends on the company and your auto insurance needs
  • Make sure you compare rates to get the best rate for the coverage you need

The term “Car insurance groups” is hard to define as it has a different meaning depending on who you speak with.

Some people define car insurance groups as “buckets” where certain vehicles or drivers are grouped to assess a preliminary risk level before investigating the application profile further.

Others define car insurance groups as car insurance companies who offer car insurance coverage for particular vehicles.

And then some people define car insurance groups as affinity organizations or groups who have used their size to negotiate special discounts with car insurance companies.

The one thing any driver can count on is the term “car insurance groups” is not used very consistently but rather part of industry lingo that can be sometimes confusing and/or misleading to anyone searching for car insurance coverage.

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Table of Contents

Who are the best car insurance companies?

This is a very difficult question to answer and will depend on your particular needs, what car insurance companies provide coverage in your area and how important all the factors involved with choosing a car insurance company are to you.

Some of the most important factors to consider when choosing an auto insurance provider are:

  • Company reputation
  • How claims are handled
  • Hours of operation
  • Account management options
  • Policy premiums
  • Types of coverage
  • Policy limits
  • Payment options
  • Available discounts

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While one of the major car insurance companies such as Geico or Allstate might be right for your needs this does not mean the same provider is right for everyone.

Many drivers prefer smaller local car insurance companies with physical agents. In fact, the largest car insurance company in the USA (State Farm) also has the largest base of real agents.

Although this is certainly a reflection of the past generation as online car insurance companies like Esurance are quickly gaining market share its easy to avoid labeling any car insurance company the best.

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How to save money on car insurance?

Any driver looking to save money on car insurance should always start with learning about the types of coverage and police details including limits of coverage, deductibles and exclusions.

The only real way to get the best car insurance rates will be with a mixture of education and car insurance quotes comparison.

Get a list of car insurance companies today and compare FREE car insurance quotes online now! 

References:

  1. https://www.theaa.com/car-insurance/advice/car-insurance-groups
  2. https://www.consumerreports.org/car-insurance/10-tips-to-save-on-car-insurance/
  3. https://www.investopedia.com/articles/pf/06/carinsurance.asp
  4. https://auto.howstuffworks.com/buying-selling/cg-car-insurance-tips.htm
  5. https://www.kbb.com/car-news/all-the-latest/7-tips-on-having-the-right-car-insurance-coverage/2100001695/