8 Car Insurance Companies Every Driver Should Consider

Car or auto insurance is required by the law and finding the right car insurance plays a vital role, as it ensures one’s financial security. Finding out the best car insurance policy is not always easy.

Below is the outline of the best and most affordable car insurance companies, every driver should be aware of, each with its own benefits and prices. Get FREE car insurance quotes from these companies and others by entering your ZIP code in our car insurance quote comparison tool.

Amica Mutual

Amica Mutual was ranked as the best car insurance company in National Auto Insurance Satisfaction Study conducted by J.D Power and Associates.

Amica has an impressive feat by being on the top spot for 12 straight years. Established in 1907, Amica is the oldest automobile insurer with 40 offices across the country. The company is known for its financial strength and outstanding customer service. 

A few key auto insurance coverages, the company offers include:

• Liability coverage to cover the damages in an accident.
• Coverage for collision, theft, fire and more with an array of deductible options.
• Coverage of expenses associated with injuries for passengers in the car.

The company is offering ‘Platinum Choice Auto’ package, which is money saving package with many levels of security. The advantages of having this package include:

• Good Driving Rewards Coverage: With good driving, being with them as an auto customer and renewing and adding new policies can fetch Amica Advantage points, which can be later on used to waive or pay down the surcharges of an auto accident.
• Identity Fraud Monitoring Service: Personal information and credit files can be monitored 24/7 with Amica’s identity fraud monitoring service. This service provides toll free access for the whole family to an identity theft. When a problem occurs, assistance with phone calls and required documentation will be provided until the case is resolved. 
• Full Glass Coverage: New door windows or windshields are provided at no cost with the full glass coverage service. This replacement coverage covers any small or big damage. Amica’s repair and replacement services are highly qualified and assure lifetime guarantee for the vehicles repair or replacement parts. 
• Prestige Rental Coverage: When a car is involved in an accident, stolen, or is under repair, the coverage gives up to $5,000 towards a rental car. 

Depending upon our needs, an auto policy can be customized, by choosing to add one or more of the above-mentioned services. Get Multiple auto insurance quotes for FREE by entering your ZIP code in our car insurance comparison tool.

Erie Car Insurance

Erie has been providing auto insurance since 1925. Erie auto insurance policies are covered in 11 states, which includes Wisconsin, Illinois, West Virginia, Indiana, Ohio, Pennsylvania, Virginia, Maryland/District of Columbia, North Carolina, Tennessee and New York. Compare car insurance rates for FREE by entering your ZIP code in our car insurance comparison tool.

People residing in any one of the mentioned states can consider Erie, as it is known for providing cheap car insurance quotes when compared to other competing insurance companies. The financial strength of the company got very high-level ratings and rankings.

ERIE’s auto insurance policy consists of the following coverages

• Bodily injury liability
• Uninsured and underinsured motorist coverage
• Medical payments
• Property damage liability
• Comprehensive
• Collision

Some of their optional coverages include:

• Road service
• Death and Disability Benefits
• Transportation Expenses (Comprehensive)
• Transportation Expenses (Collision)

The company offers numerous auto insurance discounts  like:

• First accident forgiveness discount 
• Feature 15: No surcharges for an accident for using their policy for 15 years
• Car Safety Equipment Discounts if a car is installed with safety equipment like air bags, anti-theft devices and anti-lock brakes on all the wheels.
• Safe Driver Discount
• Multi-Car and Multi-Policy Discounts
• Pioneer Experience Rating Credit (PERC): Having good claims history for three years.
• Discounts like Youthful Driver Discount and Driver Training Discount for young drivers under age 21.
• Age 55 and Over Discount and Accident Prevention Course Discounts for drivers age 55 and over.
• College Student Discount 
• Reduced Usage discount for not using a car for 90 consecutive days, during their policy period. 

Elephant Auto Insurance

A subsidiary or the holding company for Elephant Insurance is Admiral Group plc, which is the largest auto insurer in the United Kingdom. The company expanded its brands to United States in 2009 and has nearly 2 million customers worldwide. 

Elephant offers auto insurance coverage options, which include 

• Bodily Injury and Property Damage Liability
• Comprehensive and Collision coverage
• Uninsured/ Underinsured Motorist coverage
• Loan/Lease Payoff coverage
• Medical Payments coverage
• Rental Reimbursement coverage
• Roadside Assistance coverage
• Custom Parts and Equipment Coverage (CPE)
• Income Lost coverage 

The company is offering car insurance discounts to get a lower rate and savings for customers 

• Customers, who have a driving record of no accident and conviction for three years, can get a 7% discount on most of their coverages
• A 12% discount on certain coverages is offered to full time students, based on their academic record.
• Virginia community college students can save up to 8%.
• Avail discount on most of their car insurance coverages by insuring more than one car with them.
• Save 5% by getting an instant quote. 
• Paying in full can save lot of money from the beginning.
• With electronic signature, save $100 on the first policy term.

State Farm Insurance

State Farm has been providing affordable auto insurance coverage since 1922. The company has good history of financial success. With 40 million policy holders, the company is known as the largest car insurer in USA. 

Several types of State farm’s auto insurance coverages are:

• Auto liability insurance coverage covers Bodily Injury Liability and Property Damage Liability categories.
• Personal Injury Protection (PIP) 
• Medical Payments 
• Collision 
• Comprehensive Insurance 
• Uninsured Motorist 
• Underinsured Motorist 
• Rental Reimbursement 
• Emergency Road Service

State Farm offers the following auto insurance discounts:

• Accident-free Discount (State Farm Mutual Only): Avail a discount on the premiums for Medical Expense Benefits, Collision coverages, Property Damage Bodily Injury Liability and Income Loss Benefits, if your car is been with State farm for three years without any chargeable accident. 
• Good Student discount
• Multiple Automobiles Discount
• Passive Restraint Discount: A discount on the premium for Income Loss Benefits and Medical Expense Benefits for 1993 and prior vehicles, which are equipped with any passive restraint system or a factory-installed air bag
• Multiple Line Discount: Eligible for those who are insured on State Farm’s qualifying policies like health, life or fire.
• Steer Clear Safe Driver Discount: To qualify for this discount, unmarried drivers, male/female, under 25 years of age must successfully complete State Farm Steer Clear program and must not have any moving violations or accidents in a three-year period.
• Vehicle Safety Discount
• Defensive Driving Course Discount: He or She is eligible for this discount, if they are at least 55 years of age and has completed Motor Vehicle Accident Prevention Course, approved by the Department of Motor Vehicles.

Geico

Geico started in 1936 and is currently having 9 million policy holders. The company got extremely high ratings and positive reviews by A.M Best & Company. 

The lists the Geioco’s primary auto insurance coverages are:

• Bodily injury liability
• Medical payments, no-fault or personal injury protection coverage
• Uninsured motorists coverage
• Comprehensive physical damage coverage
• Collision coverage
• Property damage liability
• Rental reimbursement

In addition to the above primary coverages, Geico offers Mechanical Breakdown Insurance (MBI) to take care of the mechanical problems.

The benefits of Geico include

• Low cost auto insurance rates with excellent 24hrs customer service. 
• The financial strength of the company is outstanding. 
• Discounts like automatic payment discounts, good driver discounts, multiple-policy discounts, good student discounts etc.

Progressive

The Progressive Group of Insurance Companies, which began in 1937, is currently one of the largest auto insurance providers in the country. 

Progressive’s auto insurance coverage options include 

• Bodily Injury and Property Damage Liability
• Comprehensive and Collision
• Uninsured/Underinsured Motorist
• Loan/Lease Payoff coverage
• Medical Payments (MedPay) coverage
• Custom Parts and Equipment (CPE)/Accessory coverage
• Rental Reimbursement
• Roadside Assistance coverage
• Pet Injury Coverage

Some of the benefits include 

• Concierge Level of Claims Service: A service through which the company takes care of the drivers who are involved in accidents, to process their claim/repair.
• Total Loss Concierge: This service helps those customers find a replacement vehicle, whose vehicles are not repairable due to accidents. They even provide financing for those new vehicles. 
• 24/7 customer and claims service
• Car insurance rate comparisons

Discounts that may apply include

• Accident Forgiveness: Having a car insurance policy with Progressive for four years and remaining accident free for three consecutive years can save you from having raised rates when an accident happens after the specified period. 
• E-sign: Avail $50 discount on the first policy when the documents are signed online. 
• Pay in Full: Additional savings for paying the policy up front. 
• Homeowners: Receive discount on car insurance for owning a mobile home, condo or home. 
• Multi-Car benefits.

AAA

AAA has been providing auto insurance for over 80 years and is known for its exceptional products and service. It is one of the oldest insurance providers offering dental, travel, life, medical, auto and homeowners insurance. 

A unique feature of AAA insurance is that AAA members get exclusive discounts. 

Virginia Insurance Services

Located in Richmond, VA, Virginia Insurance Services has been serving Virginia with their best car insurance policies, since 1983. It is an independent insurance agency, specialized in car insurance. 

They are partnered with Virginia’s best car insurance companies like Progressive Insurance, Erie Insurance, Mercury Insurance, The Hartford, Grange Insurance and Travelers Insurance. 

The car insurance that they offer covers

• Injury to another person
• Damage to your windshield
• Rental car coverage
• Collision coverage
• Damage or injury by an uninsured driver
• Comprehensive coverage
• Custom parts and equipment
• Emergency roadside assistance
• Loan/Lease Payoff Coverage
• Fire, theft, and vandalism
• Medical Payments 
• Additional coverages. 

Their policy benefits includes 

• Safe driver discount
• First accident forgiveness plan
• Multi-policy discounts
• Good student discount
• 24/7 claims service
• Convenient payment plans
• Diminishing deductible
• After-hours service
• Age 55 or over discount 
• Direct repair program
• Access to licensed experts
• Additional benefits