best car insurance companies
tableof Top10BestCarInsuranceReviews 10bestinsurancecompany.blogspot.com
Table of  Top 7 Best Car Insurance Reviews 

The following are some policy attributes and policyholder benefits to look for when choosing a car insurance policy.

  • Roadside Response & Repair
  • Policy Flexibility
  • Benefits and Discounts
  • Customer Service/Claims Timeliness

We Do the Research Top 7 Best Car Insurance, Let we see together:

1. Nationwide

nationwide

Nationwide auto insurance began with farmers and ranchers, limiting its risk pool to farmers and ranchers in order to save its policyholders money on premiums oftentimes inflated due to urban motorists who drove more frequently and in riskier conditions.

Policy Flexibility:
Depending on state laws, many of which require drivers to take out additional auto insurance protections, Nationwide is highly flexible. Keeping in mind the needs of its policyholders, Nationwide customizes each car insurance policy to offer the right coverage for the right driver at the right price. Nationwide customers seeking simplicity for insurance protection products can also expand their auto insurance policy to include other policies, including home, life and others.

Benefits & Discounts:
Though Esurance sets a pretty high mark for discounts and benefits, Nationwide doesn’t fall far behind. In addition to the unwritten discount standards like Multiple-policy, multiple-car, good driver and good student, Nationwide offers premium discounts for vehicles with car safety and anti-theft features, drivers that have completed a defensive driver course and long-term policyholders. Also, not forgetting its roots, Nationwide offers discounts for Farm Bureau Members in several states, as well as upwards of 3% for employees and members of qualifying organizations.

Customer Service & Claims Timeliness:
Nationwide has gone well beyond the norm with claims transparency and tracking. With the recent release of its Nationwide iPhone app, Nationwide policyholders with an iPhone can now track claims, manage policies, make payments and perform other tasks, further simplifying both routine policy maintenance and irregular customer needs like accident claims and repairs.

Although Nationwide has remained with the times and has made policy information and application, maintenance and reporting functions available online, it still keeps offices with licensed agents across the country. Though the move online has simplified the maintenance of car insurance policies and made it fairly easy to access information about features and products, sometimes you need a personal agent from your own community to explain features, assist with claims and advocate your cause. With offices in most cities across the country, Nationwide makes this possible.

Summary:
Nationwide Auto Insurance is proof that being big doesn’t have to mean being impersonal, and that it’s possible to be innovative and traditional at the same time. While GEICO, Progressive and eSurance have strong features or programs that distinguish them, Nationwide seems to have taken some of the better elements of all 3, combining them together to make for a customer-driven auto insurance product built with the lives, needs and schedules of its policyholders in mind.
Official site : http://www.nationwide.com/

2. United Services Automobile Association(USAA)

united services automobile association usaa

USAA has expanded from a group of self-insured U.S. Army officers and other U.S. military personnel to include additional insurance protection products and policies for other branches of the military, including reservists and non-officers, and other government agencies such as the FBI.

Policy Flexibility:
USAA offers a variety of policy options beginning on the low-end with Liability-Only and moving up the ladder to Comprehensive and Collision coverages. Between these two end points, eligible drivers can select various insurance protections, including towing and labor, rental reimbursement, glass replacement and even medical payments and extended benefits insurance.

Where USAA truly stands out is in its flexibility with insurance premium payments. Starting as a risk-pool by and for “high-risk” U.S. Army officers, USAA still keeps the lives and needs of its policyholders in mind, allowing payments to be made according to military pay schedule, toll-free lines for military personnel with deployment orders and up to 90% off storage expenses on vehicles of deployed U.S. Armed Forces personnel.

Benefits & Discounts:
USAA goes toe-to-toe with non-reciprocal, open-enrollment car insurance companies like GEICO, Progressive and eSurance for its benefits and discounts. Drivers with clean records are eligible for a discount. So, too, are drivers that haven’t been involved in an accident for at least 5 years. Taking out multiple-vehicle and multiple-line policies will result in a discount. Discounts are also available on new vehicles, vehicles with anti-theft systems, as well as other safety features such as daytime running lights.

When it comes to benefits, few auto insurance competitors top USAA, who manages to offer its policyholders car and travel-related benefits and discounts, as well as discount on flowers, jewelry, shipping and home security products. Also, USAA offers its policyholders a hassle-free car buying service that saves members an average of $2600 off the MSRP, manufacturer discounts of $750 on all GM brands and 20% savings on CARFAX vehicle history reports.

Customer Service & Claims Timeliness:
USAA has a well-deserved gilded reputation for its customer-driven customer service practices and streamlined claims and repairs processes. As USAA is not a publicly-traded company, no shareholder stands to gain from low-ball estimates, cut corners or poor customer service. As a result, USAA auto insurance policyholders can be assured of receiving courteous and helpful customer service, timely claims adjustment and approval and guaranteed repairs.

Summary:
On and off paper, USAA is among the best auto insurance agencies in the nation. No other car insurance company offers its members so many discounts, benefits and services as USAA. Unfortunately, being a member requires being in the U.S. Armed Forces, select government agencies like the Foreign Service and FBI or Legacy status from an eligible parent. Though it is doubtful that policy eligibility will loosen up anytime in the near future, other auto insurance agencies (including top-rated GEICO, Progressive and eSurance) would do best to take a few notes from USAA.

3. Farmers Insurance

farmers insurance

Farmers Insurance began with the idea that some drivers (farmers and ranchers living in rural areas) deserved lower insurance premiums than their riskier counterparts (urban drivers).

Policy Flexibility:
One of the advantages of having area agents is the ability to meet face to face and provide a personalized, customized policy that actually meets the insurance protection needs without exceeding the budget. Farmers auto insurance policyholders have access to their agents to ask questions, file claims, receive estimates and learn more about their insurance products. With so many insurance companies closing up offices and concentrating their insurance agents online and over the phone, this seems to be an added advantage.

Benefits & Discounts:
Farmers is quite generous with its discounts offerings for auto insurance policies. It offers discounts for customers that take out additional policies on other insurance products like home and life. It discounts good drivers and good students. It discounts drivers with low-mileage. It even offers discounts for premium contracts paid in full, as well as discounts for payments paid automatically.

Customer Service & Claims Timeliness:
As mentioned earlier, much of the customer service experience and claims timeliness will depend upon the policyholders’ agent. Claims processes involving arbitration and mediation between multiple car insurance agencies will be out of their hands, but claims not involving other parties typically won’t. If you have a good agent, you will likely be met with favorable results. If not, you run the risk of ending up another disgruntled customer.

Claims can be filed and tracked by phone and online. Having a local agent means that policyholders have a point of contact to accelerate the process, or at least receive information about the status of the claim.

Summary:
Farmers Insurance began as an auto insurance agency for smart, safe drivers. Today, much of that remains true. It may have expanded to include home, life, theft, fire and every other possible insurance protection product imaginable in the last century, but it still provides a fairly comprehensive, effective service for its policyholders and claimants. It might lack the streamlined efficiency of Progressive and the ease of use and savings of GEICO, but it makes a strong argument for itself with its tried-and-true customer service approach and commitment to retaining its policyholders.
Official site : http://www.farmersinsurance.com/

4. State Farm

state farm

State Farm has been in the business of providing excellent automobile insurance coverage at an affordable price since 1922. Responding to our customers’ needs keeps us the leader in auto insurance.

Policy Flexibility:
Though many car insurance companies run the risk of stretching themselves too thin with expanded insurance protection products for life, home, fire and other insurance needs, State Farm Insurance manages to strike a favorable, even enviable balance between the policyholder and the shareholder. What’s more, State Farm, with its tens of thousands of agents and representatives nationwide and straightforward, informative website, ensures that drivers get the right amount of insurance, as opposed to more or worse, less than what is adequate.

Benefits & Discounts:
State Farm offers car insurance policyholders the clearest description of its comparatively-generous benefits. Multiple-vehicle and multiple-policies will result in a discount. As will drivers with established safe driving records. Good students that maintain a “B” average, too, are eligible for a discount. Also, vehicles with safety features like anti-theft devices and other safety features are eligible for a discount.

Like Progressive and a handful of other auto insurance agencies, State Farm offers discounts for car insurance premiums paid in full or paid automatically each month electronically.

Customer Service & Claims Timeliness:
No company can become one of the largest auto insurance agencies of 2 nations–United States and Canada–without a well-tuned, policyholder-minded customer service and claims center. Or at least not for long, anyway. State Farm ranks among the best for its day-to-day customer service, with accessible local agents and “phone-tree”-free customer service representatives for policy inquiries and claims. It is the claims process, however, that can be a complicated, time-consuming one, as State Farm has an aggressive-albeit-somewhat bureaucratic arbitration and mediation operation arm. This can be quite a benefit for State Farm car insurance policyholders, but with claimants represented by another auto insurance agency, this can often be a painstakingly long process. This is true of most car insurance agencies, but here seems to be exacerbated by its size and ubiquity.

Summary:
State Farm Insurance, like Allstate, is often as good or bad as the policyholder’s agent. Accidents and incidents are typically stressful, frightening and potentially life-altering scenes. Having an agent that, despite the stress and confusion of the moment, calmly and adeptly facilitates smooth, timely repairs and uses policy tools and features to the benefit of the driver is of great import. While local agents can facilitate policy knowledge and lend the company a human face, it can also make the customer experience wildly divergent. Perhaps through careful strategy to make customer experience consistent across the country and a streamlining of the claims process, State Farm will continue to grow. For now, however, drivers looking for a quick claims process and agent-free policy access should look to GEICO, Progressive and eSurance
Ofiicial Site : http://www.statefarm.com

5. Liberty Mutual

liberty mutual

Liberty Mutual auto insurance is fairly typical in its customer perception among auto insurance policyholders.

Policy Flexibility:
As mentioned in the introduction, Liberty Mutual stands out for its policy attributes and offerings, which range from simple liability-only to all-inclusive car windshield with direct billing to Liberty Mutual. Also, Liberty Mutual offers 12-month policy agreements, which can greatly reduce fluctuations in premiums. Also, with multiple-policy offerings, policyholders can combine home, life and other policies to simplify payments and services.

Benefits & Discounts:
When it comes to customer service and claims timeliness, Liberty Mutual is found wanting. Contacting a claims adjuster or customer service representative by telephone is, generally, a time-consuming affair with long waits and potential “phone-tree”-like navigation. Reporting a claim can be done online and through a direct telephone line 24 hours a day. Also, though it might be difficult to personally expedite the claims process with one’s assigned adjuster, Liberty Mutual policyholders can at least track and manage their claim online.

Customer Service & Claims Timeliness:
Liberty Mutual is fairly standard in the benefits and discounts it offers to its auto insurance policyholders. Multiple-policyholders and good drivers with established histories can expect discounted rates on their car insurance. Unfortunately, Liberty Mutual offers no substantial discounts for good students, military personnel and other affiliated businesses.

Summary:
Liberty Mutual auto insurance is by no means, sub-standard. Really, it is the standard that most motorists have come to expect from car insurers: long telephone waits, complex and time-consuming mediation and claims adjustment processes and difficulty with obtaining approval for car repairs. For its other insurance-types offered, the mediocre auto insurance benefits might be worth it, but for motorists with no need for home, life, fire or other insurance types, there are several other car insurance companies, such as GEICO, Progressive and eSurance with much more to offer.
Official site : http://www.libertymutual.com

6. Allstate

allstate

Allstate is excellent for its initial response benefits, like towing, but can be painstakingly slow-coming in its damage estimation, claims resolution and repairs. Again, these inadequacies place them somewhere between best and worst. There are hundreds of companies that it stands head and shoulders above, but several of its competitors featured on this site do, in fact, best Allstate in this regard.

Policy Flexibility:
Allstate stands out for its policy offerings, providing a variety of coverage options for drivers. It even offers drivers agent-like customization with its “Bumper-to-Bumper Basics” tool that helps determine the right level of coverage for vehicles. And, for drivers that prefer going about their policy the traditional way, Allstate has agents in most cities and states nationwide that can assist in providing potential policyholders with the appropriate coverage for their needs and budget.

Benefits & Discounts:
While it stands out first and foremost for its policy flexibility, Allstate also has a robust offering of driver discounts. Discounts are available for cars with safety features like Anti-Lock brakes and Anti-Theft devices. Good students, senior adults and retired persons are eligible for potential discounts as well. So are policyholders with new cars, economy cars, utility vehicles and farm and ranch vehicles. Taking out other insurance policies for home, life, etc, is also a sure-fire way to reduce premiums.

One of Allstate’s benefits is its “New Car Replacement” program. Drivers of new cars often lose more than just their car when involved in a “Total Loss” accident. They also lose whatever money they paid down on their car. With Allstate, drivers of vehicles in their first three model years will receive an entirely new car, as opposed to the depreciated value of the totaled car.

Customer Service & Claims Timeliness:
For customer service and claims timeliness, Allstate stands to improve. While some of the blame for its ineffectiveness or delays can be given to its status as a profit-driven, publicly-traded company, much of it still falls on the company itself, not its shareholders. Claims can be reported easily enough, both online and through telephone, but unlike Progressive’s hassle-free “Concierge ” program that fees up policyholders to return to their lives and let the car insurance company worry about the details, Allstate’s process is riddled with inefficiencies that more often than not translate to serious delays.

Tracking a claim, too, can be somewhat harrowing, despite being available online. This is due to the fact that, while claimants are able to view what stage of the process their claim is in, there is no way to expedite the process online; claimants must speak with their claims team in order to hasten their claim or remain informed in-depth.

Summary:
Allstate has taken some serious heat in the following years for going from “good hands to boxing gloves” with its policy changes and quality of service. Despite this, it still maintains a large and loyal following. While it might not be the best auto insurance company, it’s certainly nowhere near the worst. Perhaps by reevaluating its customer service and taking a long hard look at its resolution and repair processes, Allstate will once again rise to the top. For now, however, better car insurance providers are available, including top-rated GEICO, Progressive and eSurance.
Official Site : http://www.allstateonline.com

7. AAA Insurance

aaa insurance

American Auto Association (AAA) has been a driving force in the auto insurance industry, as well as longstanding advocate for traffic safety and a lobbyist at the national and local levels for improved roads and vehicle safety standards (not to be confused with emissions standards)

Policy Flexibility:
AAA membership is available through several auto insurance agencies as a bonus feature of the car insurance policy. If a driver’s auto insurance agency doesn’t offer AAA along with the policy, membership can be purchased independently online or through a local AAA club.

Benefits & Discounts:
AAA membership is largely attractive for its discount on travel accommodations, retailers and service affiliates. In fact, AAA membership can yield discounts at more than 150,000 US locations.

Customer Service & Claims Timeliness:
AAA is renowned for its response time to incidents requiring roadside assistance. Though this often depends on the vehicle’s proximity to AAA fleet vehicles or affiliated response vehicles, AAA is among the best for getting drivers back on the road or to the safety of a repairs facility. Also, AAA offers referrals and listings for AAA-approved repairs facilities, many of which offer discounts for AAA members.

Summary:
While it cannot legally be used as a substitute to auto insurance, when combined with a car insurance policy, AAA membership can enhance the speed and quality of roadside incidents requiring automotive first aid, including tows, tire changes, lock outs, battery changes, battery replacements, gasoline refuels and others. Also, AAA membership has thousands of membership discounts and savings available at more than 150,000 locations nationwide, including hotel and motel accommodations.
Official Site : http://www.aaa.com

We hope this article (Top 7 Best Car Insurance Reviews) help you in choosing best auto insurance


Sorry! No related Post.

Leave a Reply

Your email address will not be published.