Trying to figure out which of the top 10 cheapest auto insurance companies are right for you can be quite difficult. You'll need to compare their policies, coverage, and customer service in order to determine which is the best option for you. These are some of the most important things to look for, but there are also some other factors that you should keep in mind when making your decision.
GEICO
GEICO is one of the cheapest car insurance companies in the country. They offer a wide variety of coverages to suit your needs. In addition to their low premiums, they also offer excellent customer service.
As a result, GEICO was ranked among the top national auto insurers in The Zebra's 2021 customer satisfaction survey. The company received an average score of 4.0 to 4.5 stars on various online surveys. It was also rated in J.D. Power's customer satisfaction study as the third ranked provider.
GEICO also offers affordable rates for drivers with bad credit. In fact, the company has a median rate that's about $1,000 cheaper than the average premium for all drivers.
In addition, they offer discounts for defensive driving and seatbelt use. GEICO's DriveEasy app is also a great way to encourage safer driving. It helps drivers assess their driving skills and habits. The program also rewards drivers who pass the test with savings of 5 to 10 percent.
GEICO also offers rental reimbursement and mechanical breakdown coverage. You can also bundle your home and auto policies. Their multi-vehicle discount can save you up to 25%. GEICO even offers a guaranteed renewal policy for seniors.
GEICO's insurance policies are also available in Washington, D.C., and in most of the other 50 states. They also offer 24-hour roadside assistance.
They also have a wide range of discounts, including a good student discount for students aged 16 to 24. They also offer discounts for military members, homeowners, and multi-vehicle owners. Depending on the state you live in, there are many different ways you can save.
State Farm
Whether you are a teen driver or a seasoned driver, State Farm has a number of car insurance options that can save you money. The company offers discounts for good drivers, multi-car coverage, and even a roadside assistance package that covers towing, change of tire, and delivery of gas.
State Farm also has an excellent track record for customer satisfaction. The company placed third out of 15 companies in a customer satisfaction survey conducted by The Zebra.
Another benefit of using State Farm is its large network of local agents. This can help you to compare rates and find the best price. If you don't have an agent in your area, you can check the company's website to see if you qualify for any of their discounts.
The company has a strong reputation for offering the cheapest auto insurance policies. However, if you have a poor driving record, you may want to consider a competitor.
The company has a telematics program called Drive Safe & Save, which allows you to track your driving habits through a specialized telematics device. This program won't raise your rates, but it does allow you to earn an accident-free discount after three years without an accident.
The company also offers an accident forgiveness policy. If you have a serious accident, your policy could be modified to include accident forgiveness, which will cover your expenses in the event that you are not at fault for the accident.
USAA
Whether you are a new driver or an experienced one, USAA auto insurance rates are among the cheapest in most states. The company offers a wide range of coverage options, including comprehensive, liability, uninsured motorist, and more.
In addition to its competitive car insurance rates, USAA also has a number of discounts for customers. You can receive a discount for being a good driver, bundling multiple policies, and for installing an anti-theft device on your vehicle. You can also get a discount for completing a defensive driving course.
You can buy insurance through an agent or online. You can save up to 3 percent if you set up automatic payments. The company also has a mobile app that can track your driving habits. You can request road assistance, pay your bill, and more.
USAA has a good reputation for customer service. You can call or go online to report a problem. However, you should consider the complaint index before making a final decision.
If you're looking for cheap auto insurance, you should compare prices from several companies. You can get personalized quotes and rates. If you are a military member, you may qualify for a discount.
You can use the USAA website to find out more about the company's products. It has information on coverage, calculators, planners, and other tools to help you make decisions. You can also find advice on retirement, natural disasters, and other topics.
Auto-Owners
Founded in 1916, Auto-Owners is a dependable, well-known insurance company. They offer multiple car insurance products, including specialty car insurance coverages, and provide personalized customer service. They have also received very high financial ratings.
They offer discounts on several policies, including a good student discount and a paperless billing discount. They also have a mobile app that allows customers to log into their policies to view documents, make payments, or track claims. The company is only available in 26 states, though.
Compared to other insurance companies, the rates for Auto-Owners are very competitive. They average $36 per month for a minimum policy, which is almost three-eighths less than the national average.
They have a telematics program, which tracks driving habits. They also offer a usage-based discount. This means you can earn discounts based on how safe you drive.
Auto-Owners offers accident forgiveness. This allows you to stay at the same rate after your first at-fault accident. They also offer roadside assistance, which includes fuel delivery. You can add towing and rental car coverage, which can help cover the cost of renting a vehicle after an accident.
If you want to save money on your car insurance, you'll need to compare quotes. You'll also need to work with an independent agent, who knows your state's insurance requirements.
While they have many discounts, Auto-Owners may not be the best option for you. They have a limited number of unique coverage options, and their rates aren't quite as low as competitors.
Nationwide
Whether you're a senior driver or a teen, Nationwide car insurance has you covered. Depending on the state you live in, you can expect to pay less than half the average rate.
However, if you want to save a little money on your premium, you may need to shop around. The best way to do this is to compare quotes from three or more insurers. You could end up saving hundreds of dollars a year.
Another great tip is to ask your insurer about their bundling options. Many companies offer discounts if you combine your home and auto policies with them. You can even find a discount if you purchase a new car or take a defensive driving course.
You might also consider using a usage-based plan. If you have a safe driving record and can't find cheap rates elsewhere, this type of policy can save you a substantial amount of money. This can be especially helpful if you haven't already signed up for a traditional policy.
You can also get a discount if you install an anti-theft device on your vehicle. Some companies even offer discounts for drivers with good credit.
If you're in the market for car insurance, you should compare quotes from at least three companies. Getting a quote from each company will show you how much you can save. This can help you decide on the best policy for you.
Progressive
Compared to the competition, Progressive is one of the cheapest auto insurance companies around. This is especially true when you consider how many discounts they offer. The company even offers rideshare insurance as an add-on policy.
Choosing the cheapest auto insurance is about more than just price. It's about choosing a company that will give you the coverage you need and the peace of mind you deserve.
To figure out what you need, you need to speak with a knowledgeable agent. He or she will be able to help you find the best coverage and make sure you get every discount available.
In addition to traditional car insurance, Progressive also provides home and renters insurance. The company is also a leader in the digital toolbox department, with a robust online suite of features.
The company has an A+ rating from the A.M. Best rating service, which is an industry standard for determining the financial strength of an insurer.
Aside from their car insurance, they also provide homeowners insurance, condo insurance, life insurance, and motorcycle insurance. Some states require Progressive to offer uninsured motorist coverage.
They also have a solid roadside assistance program, which includes towing, lockout services, and fuel delivery. Their customer service isn't the best, but it's certainly not bad.
The company also has a robust website, which makes it easy to research the most important aspects of your coverage. They even have an independent agent locator.
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