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 8, 2020

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Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Key takeaways...

  • Good car insurance providers offer great customer service
  • Competitive rates are another factor that contributes to the rating of a provider
  • Many auto insurance providers have special rate offers or discounts

Auto insurance is a necessity for any individual who drives a vehicle. When looking for car insurance, questions about terminology, such as “car insurance provider,” might arise.

Understanding the terminology used by various insurance companies avoids becoming bogged down with definitions and allows you to find the appropriate car insurance for your needs and wants

You can also save time by simply putting your zip code into our FREE search tool! Enter your zip code above to get started!

Car Insurance Provider Definition

The simple definition of a car insurance provider is the individual, group or company that makes the insurance available.

In most situations, the providers are the car insurance companies.

The company supplies the insurance so the consumer is able to drive worry-free and follow the legal requirements in the state.

Compare quotes from the top car insurance companies and save

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Benefits of a Good Car Insurance Provider

The benefits of working with a good car insurance provider are numerous. Good car insurance providers offer great customer service.

Car insurance providers who work with consumers typically rate higher on comparison charts than other options because customer satisfaction is high.

Competitive rates are another factor that contributes to the rating of a provider. The best auto insurance providers offer fair rates considering the type of coverage in the policy.

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Keys to Finding the Best Car Insurance Provider

Finding the best auto insurance provider is not a simple task.

Different state laws, your driving record, the type of insurance preferred all play a role in your insurance premiums.

Provide as much detailed information as possible when getting a quote. The more information available, the more accurate your quote amount.

Many auto insurance providers have special rate offers or discounts. For example, some companies might offer good student discounts or special rates for multiple vehicles.

Every car insurance provider offers different policies, so it’s important to read the policy.

Consider the price. If the cost of coverage is too high, the insurance provider is not appropriate for your needs.

Perhaps one of the best keys to getting a great rate and the coverage you want is shopping around. Don’t assume the first car insurance provider offers the best rates.

You should also read customer reviews. High customer satisfaction is a sign of a good company while dissatisfied customer reviews suggest needed improvements.

Warnings About Auto Insurance Companies and Policies

The selection of an auto insurance company requires taking care, doing research and understanding the potential pitfalls of poor selection.

Some considerations about the providers are necessary to avoid ending up dissatisfied and unhappy.

Always provide all information about the vehicle and all potential drivers to the company.

Failing to list drivers on the policy, such as teen drivers or a spouse, can result in the company refusing the pay due to misrepresentation.

Never lie about your driving record. Like failing to mention potential drivers, lying about your driving record or omitting some data will result in misrepresentation.

The company looks at driving records and similar data whether you provide it or not.

Look the company up via the Better Business Bureau if you are unsure about their reputation.

The BBB shows a log of complaints, whether the company handled the complaints, and the methods used to handle the complaints.

Finally, never drive without auto insurance. Not only is it illegal in most areas of the United States to drive while uninsured, it is potentially costly.

Paying the full cost of an accident you caused adds up quickly due to the price of medical expenses and the repair of a vehicle. It will also cost in increased rates later.

Car insurance providers, or the companies that offer auto insurance policies to consumers, are competitive and constantly changing.

You can easily compare car insurance with our FREE search! Use our comparison tool below to find affordable car insurance quotes now!


  1. https://www.nationwide.com/insurance-law.jsp
  2. https://www.geico.com/save/discounts/car-insurance-discounts/
  3. https://www.nationwide.com/adding-a-driver-to-car-insurance.jsp
  4. https://www.wikihow.com/Check-Your-Driving-Record-Online
  5. https://www.bbb.org/
  6. http://traffic.findlaw.com/traffic-tickets/driving-without-valid-sufficient-insurance.html