List of Top Car Insurance Companies


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List of Top Car Insurance Companies

Esurance

Esurance offers great prices and great rates compared to other insurance companies as well as a simple and easy-to-use online interface with little to no lag time. Customers can change their policy and pay their premium online; therefore convenience is one of Esurance’s best features. Online reviews indicate that their email and phone response time for customer service inquiries was slow, but the convenience factor, in terms of initial policy set-up and payment options, was exceptional. (See References 3) Esurance offers auto, motorcycle, home, renter’s, health and life insurance with very competitive rates .

Geico

In terms of brand recognition, Geico has most definitely done the best with its marketing, from the Cavemen campaign to the Geico gecko. The company’s website is very user-friendly, and offers insurance in all areas, including home, condo, renter’s, motorcycle, umbrella, ID theft, RV, commercial auto, ATV, boat, overseas and flood. Geico has a reputation for outstanding customer service and extremely competitive rates as well as knowledgeable agents.

Progressive

Progressive insurance has long been known as the high risk car insurance; most recently, Progressive has developed a reputation for offering free quotes as well as quoting competing insurance companies’ rates. Many former and current clients of Progressive car insurance state they have always been happy with the service and the rates even after a collision that was their fault. (See References 2) Progressive has a reputation for being fast, friendly and fair; the types of insurance offered by the company include renter’s, homeowner’s, car and motorcycle.

Allstate

Allstate’s insurance agents are highly regarded as being knowledgeable, and the company has easy-to-comprehend policies and plans. Allstate’s prices and rates are very competitive in the car insurance market as well. Allstate has marketed their insurance policies to reward drivers for having a clean record and avoiding accidents. The company also offers other types of insurance including life, homeowner’s, renter’s, motor home, boat, motorcycle and snowmobile. Allstate has a very user-friendly website which customers and clients can use to access their account as well as change coverage on their policies.

State Farm

Like a good neighbor, State Farm is there is the slogan that has made its way into people s heads since Barry Manilow first sang it in 1971. While State Farm s rates aren t as competitive as other car insurance companies’, current and former customers consider State Farm agents to be knowledgeable; and if they don t know the answers, they are resourceful enough to find answers them. The different types of insurance offered through State Farm include homeowner’s, renter’s, health, disability, life and supplemental medical.


King of Cheap Car Insurance Quotes • Auto Insurance Comparison


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Would you like to know the basics of car insurance? Learn all you need to know about vehicle coverage types and deductibles. Continue

Learn how to find the cheapest car insurance premiums possible. Get educated about various discounts you might be eligible for and how to lower premium as a young driver. Continue

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How Quotes Are Calculated

When you start to compare are insurance quotes on a mission to find the lowest possible premiums, it is important to understand how your quotes are calculated and why these quotes can differ dramatically from carrier to carrier. All auto insurance carriers licensed to do business in your state must answer to the Department of Insurance when filing rates, but this is does not mean that a multitude of personal factors will not affect your base rate when you retrieve quotes. If you are wondering why your insurance is so high compared to state averages reported in your area, or your cousin s rates are significantly lower than yours and you want answers, here is your consumer guide to understanding auto insurance rating factors.

The Difference Between Fixed and Variable Factors That Affect Car Insurance Price

When you are shopping for affordable auto insurance, the easiest way to save money is to compare auto insurance quotes from several different companies licensed to do business in your state. While each of these companies have different base rates that are based on the demographic the company has decided to target, all of the carriers will use the same combination of rating factors to calculate personalized rates for applicants.

Some of these rating factors are fixed factors that you cannot control, and other factors can be changed if you make the effort to change lifestyle and driving habits. Identifying the fixed and variable factors, how they affect your rates, and how the changeable factors can be changed in your favor will help you get the lowest possible auto insurance premiums. Read on to distinguish between all of the rating factors that reputable auto insurance carriers use.

The Rating Factors That You Cannot Change

Age plays a major role in how much you will pay for your auto insurance due to statistics. As you read about rating factors, you will learn that auto insurance actuaries and underwriters rely on statistics to calculate rates. If the statistics of accidents are high in a specific age group, rates for applicants assigned to the age group will be higher.Young drivers under the age of 25 have a high incidence of accident, and this is why inexperienced drivers pay the highest rates. Once you gain experience, you can expect to see your rates decline at 25 and then gradually until you are 65. Once you reach a senior age group, premiums tend to rise once again.