Shopping For The Best Rated Car Insurance

Overview: Everyone needs auto insurance. It is required too before you get your license in some states. When shopping for the best rated car insurance, it will benefit you to completely look around. Weigh all your options out first.

Top five companies

Many different companies offer insurance. Top five rated are Progressive, Nationwide, Amica, Liberty Mutual, and Geico. Each company is rated a++ by the average user. Progressive offers top customer service care over the phone and now on the internet. Geico was established in 1936 earning those over 9,212 billion in assets. Nationwide has been around for over 80 years putting them at 108th in the Forbes 500 list.

What they offer.

Each company offers something different. Some offer pet injury coverage and medical payments such as progressive. Discounts vary in each company for instance nationwide offers accident free discount.

Other Companies.

You have heard of other companies in this industry. Not all can be on the top 5 list but offer great services maybe at a discounted price. Have you heard of MetLife, Esurance? Or even Allstate and State Farm. Each is other great companies. State farm is actually 31st in the Forbes 500 list, and is one of the largest auto insurance companies. They have had some issues. Some customers have complained about state farm not honoring their auto claims.

What makes them different?

Each of these companies offers some of the same extras. So what's makes them so different. Customer service skills may not be as good. Their claim service takes time and puts you through more of a hassle. For instance Esurance was rated a- and only been around for 10 years. But look at Allstate. They offer a 20% safe driver discount and a new car replacement.

Things to watch for.

Always when buying auto insurance watch for how quickly they fix claim damages. This is the biggest one. You also want to make sure they have great customer service offered 24/7. Take a look at the ratings and their reputation as a whole. For example Allstate had some issues with customer claims a while back. Esurance is also expensive compared to other companies and what they offer.

Conclusion

Shop around when looking for car insurance. Do not let a company tell you all their perks and you find out the hard way later. Check for some of the best rated car insurance companies before signing up. Make sure they benefit you more then themselves.