Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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 Chris Harrigan

UPDATED: Sep 19, 2020

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Key takeaways...

  • First-party car insurance coverage handles damages suffered by the policyholder and/or their passengers
  • Optional car insurance coverage includes additional drivers, vehicle replacement due to theft and rental car coverage
  • Adding minors to your policy can significantly increase your monthly premium

Customers attempting to uncover what company has the best car insurance coverage must remember one key piece of advice.

The concept of one-size fits all does not apply when it comes to acquiring auto coverage. In addition to considering personal budgets, consumers have to decide what features they expect from an insurer.

Consumer groups recommend receiving a minimum of three quotes before making a final decision.

Find affordable car insurance coverage for FREE! Enter your zip code above to get started!

Auto Insurance Basics

Customers should have basic knowledge about car insurance before making their first inquiry.

For starters, coverage consists of two parts. Third-party liability covers damages caused by the policyholder. This category entails property damage and bodily injury amounts.

First-party coverage handles damages suffered by the policyholder and/or their passengers.

It covers collision repairs, underinsured motorist coverage, and medical payments.

Optional coverage includes additional drivers, vehicle replacement due to theft and rental car coverage.

Each state requires that vehicle owners purchase a minimum amount of insurance in both categories for legal operation.

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Elements of a Good Auto Insurer

Features that make an insurer great are highly subjective. The Insurance Information Institute (III) recommends looking at the following information:

  • Number of policies written in previous years – Increasing policies is a sign of continued financial growth. On a more practical level, it means that present customers are satisfied with the service.
  • Claims payment ratings – Low numbers mean the company is less likely to make payment in the event of an accident, defeating the point of insurance.
  • Affordability – Excellent customer service and prompt payouts do not matter if a policyholder cannot afford the premiums.

Consumers should also consider the following additional items:

  • Online policy access – Paying premiums using a computer or mobile device is important for customers who find themselves constantly on the go. Many companies also accept claims submissions via secured electronic mail (email).
  • Live customer service availability – Customers consistently traveling throughout the country and keeping odd hours may find it difficult dealing with an insurer who works from 9:00 a.m. to 5:00 p.m.

All about Insurance Quotes

Online car insurance quotes are a simple method of obtaining the best coverage for the best possible price. Online generators ask a series of questions about the policyholder to calculate the ideal rate.

It is possible to generate quotes by simply walking into an insurance agency, but there are a few disadvantages.

Most agencies receive a bonus for steering clients towards a certain company.

Consumer groups state that multiple price quotes help on two levels. Customers have a better understanding of price ranges for their respective coverage.

The information also helps while attempting to negotiate a lower rate with a company they really like, but cannot necessarily afford.

Find the Perfect Insurer

The right research simplifies finding the best auto insurance. Experts at Edmunds automotive information recommend that consumers:

  • Talk with local body shops to see which policies they prefer. Mechanics offer an insider view of companies with an easy claims process.
  • Visit their respective State Department of Insurance website to check for complaints.
  • Read financial analyses from well-known companies including A.M. Best or Standard and Poor for signs of a faltering company.
  • Ask family and friends for information on their insurance providers. The best endorsements are often endorsements given by current customers.

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Additional Information

Additional circumstances that influence client relations with an insurer include coverage gaps. Some larger companies assign higher premiums to customers who go without coverage for a period longer than 30 days.

Other companies are designed to handle clients in this situation and may be able to offer better rates.

Households with drivers under 18 years of age should also choose their insurer wisely. Adding minors raises policy rates considerably.

Some insurers work in conjunction with driving schools to provide policy discounts when minors successfully complete drivers education courses.

Frequent travelers should confirm their insurer covers accidents that occur outside the state where they purchased the policy.

Some drivers got into accidents, only to discover insurance coverage ended at the state line.

The best auto insurance company offers comprehensive car coverage that works within the budget of a policyholder. Each year consumer groups list the top 10 insurance companies, but remind customers that the list is not a guarantee.

Some of the options had notoriously expensive premiums, while others did not provide coverage in certain states.

Insurance insiders also remind consumers not to ignore companies because they did not make a top 10 list. The lists are a guide, designed for use with personal recommendations and research.

An open mind is crucial to discovering what company has the best car insurance coverage. Enter your zip code below and start comparing car insurance quotes for FREE!


  1. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage
  2. https://www.enterprise.com/en/home.html
  3. https://www.iii.org/
  4. https://www.naic.org/state_web_map.htm
  5. https://www.statefarm.com/insurance/auto/discounts
  6. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums