Different car insurance companies cater to different needs and offer different kinds of benefits to its customers. When it comes to finding affordable auto insurance, the price is naturally a top priority. There are multiple auto insurance companies offering covers such as Liability insurance, Collision coverage, Comprehension coverage, Personal injury coverage, and uninsured motorist’s protection cover at reasonable or low rates. Some of them are listed as below:
Geico
Geico offers affordable auto insurance policies and ranks number one. It is often preferred over others as it provides a variety of policies and discounts for its customers and helps in cost-cutting. It offers good driver discount to the drivers who have completed five years without an accident. The other possible ways to save are by insuring multiple vehicles, driving a car with airbags, always wearing seat belts and taking advantage of various other discounts.
State Farm
State Farm ranks second for pricing. It is the leading car insurance provider in terms of market share, providing a vast collection of insurance products and financial services in almost all the states. Its quote value is slightly bit higher compared to Geico. Drivers with the clean driving record are eligible for the opportunity to trim their costs. Other savings opportunities by State Farm include discounts that deal with safe and accident-free driving. This affordable auto insurance is helpful for drivers.
Progressive
This affordable auto insurance may charm the drivers who are looking for a paper- and agent-free experience. With Progressive, you can manage your policy completely online. This includes starting a quote online and signing policy documents electronically. You will qualify for discounts if you combine your auto insurance and home insurance or insure multiple cars.
All-State
Compared to the above three auto insurance companies, Allstate usually stands out for having the highest average annual quote for good drivers. The business has solid finances and relatively few complaints from policyholders. Among other deductions, Allstate offers price cuts for safe driving and includes savings if you do not have accident or violation records for three and five years.
USAA
If you or any of your family members are or were in the military services, then you are eligible for USAA auto insurance. USAA offers several discounts to help you save more especially if you do not have an accident or violation records for more than five years and for taking an approved defensive driving course.
The Hartford
For those who think a smooth claims process is an important factor for the insurance of the car, The Hartford is a company that should be taken into consideration. The Hartford offers benefits and discounts similar to the above insurance companies, but the policy prices are much higher.
Metromile
Metromile is one of the first companies in the U.S. where a bulk of a driver’s premium is determined by how much they drive. This company provides insurance to the drivers who drive 7500 miles or less per year. The drawback of this company is that it is available only in 7 states: CA, IL, NJ, OR, PA, VA, WA.
Finding affordable auto insurance doesn’t mean you always have to stick with big and great, national auto insurance companies. Regional and small insurers may beat the lowermost offers from the giants. Erie Insurance tops the charts when small and the giant insurance companies are taken into consideration.
Best overall car insurance company: Erie
The cheapest and the most reliable insurance company is Erie. This company lets its customers initiate their quote online. Apart from car insurance, it also offers coverages like pet coverage, free accident forgiveness, free vanishing deductibles, roadside assistance, and many more, essentially giving its customers a degree of flexibility that may not be even found amongst the largest insurers. This company also allows its customers to add or remove someone from the policy and offers similar types of discounts like the giants. The main drawback is that Erie is only available in certain parts of America.
Instructions for those seeking affordable auto insurance
Irrespective of your auto insurance company, following are some tips that can help you save on your policy. The first and foremost thing that you need to do when you approach an auto insurance company is the lookout for discounts. Do not hesitate to ask for the discounts. Also, make sure you don’t lose out on the coverages just for the sake of a lower price. You might end up paying double the price if at all you would file a comprehensive or collision claim. Last but not the least, there are companies that offer affordable auto insurance for married couples or domestic partners. There are chances of the prices to drop down if you move to a city which is less populated or risks for accidents is less or if you use more of public transport than your own car.
