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Insurance is one of the important investments let it be for life, car, or other types of insurance. America has some really good car insurance companies that deal very well and have some really good claim processing records.
Every car insurance created is different with its own pros and cons. Each insurance focus on various key areas such as claim handling, customer service, and customer loyalty. Here is a list of:
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Top 10 Best Car Insurance Companies in America
1. USAA
Name and about the Company
USAA is at top of the list because of its Bankrate score. It has nationwide availability and top-notch customer service. The insurance is available only for veterans, active-duty military, and their eligible family members. It manages to provide the lowest prices for auto insurance quotes.
Reason for choosing it among all
Customers have options of various coverage options, discounts, and rewards. It also has unique circumstances like deployment for military active-duty members. This company picks and chooses the drivers to provide the insurance.
Pros of Company
- Low average rates
- Military-focused coverage options
- Top-notch customer service and financial strength ratings.
Cons of Company
- Less specialty coverage options
- Available only for veterans, active-duty military, and family members.
- Collision repair Grade
- As per the survey, USSA has a grade of C for Collison repair grade.
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2. CLEARCOVER
Name and about the Company
The insurance provided by Clearcover is changing the fabric of insurance. Compared to other car insurance company, Clearcover provides the best auto insurance experience and thus make it to the top of the list. The company has got a good digital base and hence provides the most affordable policies and can effectively compete with traditional insurance companies. As of now, it is available in 22 states only.
Reason for choosing it among all
With technology at top priority, Clearcover is splitting the insurance market badly. The company uses Artificial Intelligence to change the way insurance is quoted, purchased, and serviced. With technology at hand, Clearcover helps its customers by clearing the claim within a week.
Pros of Company
- Fast insurance quotes
- Expedited claim settlement
- Uses cutting-edge technology
- Rideshare insurance for call a cabs
- 15% discount for military members
Cons of Company
- Limited data for customer satisfaction
- Available in 22 states only
- No new car replacement or accident forgiveness
- No usage-based discount
Collision repair Grade
The insurance helps to repair any kind of damage to the car during a collision.
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3. GEICO
Name and about the Company
GEICO has a long history in the car insurance market and most trusted household name. It has a high Bankrate score. Insurance is available for every type of driver, thus coverage is available even for tarnished drivers.
Reason for choosing it among all
Geico has policies even for high-risk incident drivers. High-risk policies are expensive but then the high-risk drivers will not find many insurance companies for good policies. Geico is available for most people.
Pros of Company
- Available for high-risk drivers
- Variety of discounts
- Good digital app and mobile tools
- Offer accident forgiveness
- Fewer complaints
Cons of Company
- Few coverages option
- Limited local in personal local agents
- Customer service score varies in each region
- Bundling discounts are low
Collision repair Grade
As per the survey, Geico has a grade of C for the Collison repair grade.
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4. STATE FARM
Name and about the Company
State Farm is one of the largest car insurance companies in the country. In most states, it is reputed and one of the best companies in most of the states. It has a deep-rooted local agent service. This comes with the customer-first approach to providing a variety of personal and commercial insurance products to customers.
Reason for choosing it among all
It has the highest insurance across various communities in States. They also provide expert insight while discussing their policy. It has a digital management option thus providing an option for an on-the-go approach. It includes a highly rated mobile app through which you can put an auto claim and contact agent.
Pros of Company
- Deep-rooted network for a local agent
- Excellent financial strength
- Great average rates
Cons of Company
- Higher complaint index
- Not for high-risk drivers
- No gap insurance
Collision repair Grade
As per the survey, State Farm has a grade of C for Collison repair grade.
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5. TRAVELLERS
Name and about the Company
Travelers have a history of 150 years in the auto insurance industry. It has a strong and independent network with numerous endorsement options, robust savings opportunities with a proven financial track record. It is a good option for drivers nationwide.
Reason for choosing it among all
Travelers are not one of the cheapest carriers on the list. But that may be because the company offers a variety of policies to cater the specific needs.
A higher premium is charged for new car replacement, rideshare coverage, accident forgiveness, and gap coverage. It also has financial coverage for a broad range of incidents.
Pros of Company
- Numerous policy options
- Competitive discounts
- National independent agent network
- Low level of complaints
Cons of Company
- Ridesharing coverage in some states
- Bundling discount is on the lower side
Collision repair Grade
As per the survey, Travelers has a grade of C for Collison repair grade.
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6. ERIE
Name and about the Company
Erie is regional insurance but has a variety of coverage types in its policies. It has a competitive score for all third-party agencies’ reviews. It offers good discounts and competitive rates for young drivers. Erie has a high Bankrate score.
Reason for choosing it among all
In its full coverage policies, Erie includes several coverage types which are offered as optional by many companies as add–on.
Drivers benefit from rideshare coverages or accident forgiveness which can help you to keep the premiums consistent over time. The insurance is available only in some states but it provides robust coverage and strong claims to the drivers in their area.
Pros of Company
- High rates of customer service
- The rate lock feature provides optimum premiums.
Cons of Company
- Available only in a few states.
- Digital service is not at par with industry standard
Collision repair Grade
As per the survey, Erie has a grade of A- for the Collison repair grade.
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7. AUTO OWNERS
Name and about the Company
Auto-Owners is another carrier with a strong reputation. This company provides excellent auto coverage with the second highest JD Power claims. It provides a wide range of coverage and discount options across the majority of states. This company has a wide and deep-rooted distribution network of independent agents.
Reason for choosing it among all
Auto-Owners provide a great menu of discounts. Many drivers are eligible to receive discounts. The company offers good discounts for ahead-of policy expiration quotes as well as opting for paperless billing and payment modes. It has good schemes for students making it popular am teen drivers.
Pros of Company
- Low average premium
- High claims satisfaction
- Wide range of coverage
- Gap insurance available
Cons of Company
- Not available across all states
- No online quotes
- The higher average rate for drivers with DUI
Collision repair Grade
As per the survey, Auto-owners have a grade of B+ for Collison repair grade.
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8. AMICA
Name and about the Company
Amica has a customer-centric business model. It also has exceptional claim service. It is a stand-out choice for many as it has a good Bankrate.
Reason for choosing it among all
It is one of the best companies for claim settlement. The company has an online claims center so that customers can easily report a claim by uploading required documents and tracking the progress. A customer representative is available 24/7.
Pros of Company
- Low average rates
- High-rated customer service
- Optional dividend policy
Cons of Company
- Not available in all places
- Ridesharing coverage option not provided
Collision repair Grade
It provides a repair and replacement option for the vehicle damaged in the accident.
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9. NATIONWIDE
Name and about the Company
Nationwide has a variety of tailor-made coverage based on optional needs. This company has a low average premium. It has a presence in almost all the states with a well-maintained informative website. This company has an easy-to-customize policy.
Reason for choosing it among all
The premiums provided by Nationwide are well below the national average. SmartRide and SmartMiles policies of the company provide good discounts or flexible premiums based on vehicle usage. Personalized optional coverage is available.
Pros of Company
- Present in most of the states
- Wide distribution network with independent agents
- Two – Usage-based driving programs offer highly personalized rates
Cons of Company
- JD power customer score is not consistent throughout the states
- Not many ads on available
Collision repair Grade
As per the survey, Nationwide has a grade C for Collison repair grade.
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10. PROGRESSIVE
Name and about the Company
Progressive has a handy rate tool as well as scores high on positive customer satisfaction. Consumers can save based on their budget and driving habits. The company is backed by strong financials that earn a high rating from a third-party agency.
Reason for choosing it among all
They have an online portal which saves time and money for many drivers. It has urge-based telematics programs that monitor drivers to offer discounts based on safe driving. You can use its Name Your Prices Tool to personalize your buying experience. The progressive app offers instant access to review coverage, bill payments, claim submissions, and ID cards.
Pros of Company
- Coverage options for a variety of vehicles
- Strong digital tool
Cons of Company
- Inconsistent customer satisfaction score
- Claims satisfaction score is below average
Collision repair Grade
As per the survey, Progressive has a grade of C for Collison’s repair grade.
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