The best auto insurance companies must be well established and respected in most states and the District of Columbia. Comparing one’s needs to those of other drivers, one’s credit rating and personal finances are factors that influence the selection of a carrier. Being familiar with the top insurers in one’s state, as well as those of other states nearby, enables the consumer to evaluate the insurer’s financial strength. Using the U.S. Department of Transportation’s Consumer Power Benchmark on auto insurance service performance as a guide, these insurers should be chosen.
Insurance comparison websites are a good place to start looking for the best auto insurance companies. A site will list not only the top insurers by customer satisfaction, but also the top five in terms of accident forgiveness policies and discounts offered. Each insurer has an accident forgiveness policy that limits the number of claims a motorist can make for damages resulting from motor vehicle accidents. According to the website, the insurance company that offers the most accident forgiveness policies is the best car insurance companies.
Another way to determine which the best auto insurance companies are, is to compare the types of coverage they offer. Each insurer offers a variety of coverage, but some have better prices than others in certain areas or for certain makes and models of vehicles. Some companies also offer discounts for good drivers and those with certain types of driving records. Check out this safeco insurance review.
Good drivers have better customer satisfaction ratings than drivers with a history of traffic violations or accidents. According to the website, the ideal candidate for driver safety is a person who has maintained a clean record with no claims or tickets for moving violations for three years or more. Additionally, the insured must have a clean record with no traffic violations for at least three years. Drivers who have been married for at least three years also fit into this category.
All United Auto Insurance Company customers who buy a new vehicle through the company’s Insurance Exchange program will be eligible for a reduction in premiums when it comes time to renew their policies. Customers who have been a USAA member for at least five years are eligible for an annual reduction in premiums. An interested customer can contact the company for more information about how to receive these discounts. J.D. Powers and Associates and A.M. Best and Company are both recognized as reliable in terms of overall customer satisfaction.
Some of the factors insurers consider when setting the rates they will charge for coverage include whether or not the driver is at fault, how much car they drive annually, whether or not the insured has a deductible, whether or not they have uninsured motorist coverage and their driving history. For instance, if a driver has an above average deductible and a high annual mileage rate, insurers may consider them a higher risk than a driver with a low deductible and low annual mileage. Insurers also look at how much risk a driver is based on factors such as whether they have filed speeding tickets or received multiple DUI convictions. Certain states, such as Georgia, limit the amount of times a person can be charged with a speeding ticket or received a DUI citation.
Allstate Insurance Company and Progressive Insurance Company have rates that are slightly more expensive for drivers who have good grades. Drivers with good grades can be eligible for discounts, including multiple policy lines with the same insurer. Drivers who are younger than twenty-five years old, married or have a household income that meets certain limits can also benefit from having lower rates. One of the biggest factors considered by an insurer is a driver’s geographical location.
Geico, Esurance and Progressive all offer insurance coverage in more than one state and the state of Columbia. Geico provides coverage in thirty-two states and the District of Columbia. Esurance provides coverage in the states of Delaware, Georgia, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, Ohio, Pennsylvania, and Washington. Progressive insurance provides coverage in the states of Delaware, Florida, Iowa, Illinois, Massachusetts, Missouri, Montana, Nebraska, Nevada, North Carolina, Oregon, Utah, and Wisconsin. If you live in one of these states and you are interested in purchasing car insurance, you should definitely review quotes from these insurance companies.