Top 10 of the Best Matched Auto Insurance Companies

21st Century Insurance 21st Century Insurance reviews 21st Century has been providing drivers with coverage since 1958. It is a member of the Farmers Insurance Group, which currently provides over 20,000,000 policies to individuals in all 50 states. Get a Quote Read 132 Reviews Esurance Esurance reviews Esurance is an online auto insurance company that is backed by AllState. It provides consumers with tools for claim resolution as well as the ability to sign up for, renew or change insurance policies through the Internet. Get a Quote Read 489 Reviews Travelers Auto Insurance Travelers Auto Insurance reviews Travelers Insurance has been in business for over 150 years. In 2009, it founded a political advocacy group to get the fairest coverage laws for American drivers in addition to its auto insurance options for various drivers. Get a Quote Read 37 Reviews Progressive Insurance Progressive Insurance reviews Progressive has been providing consumers with auto insurance since 1937 and is known for its insurance rate comparison tool. This company offers several types of auto insurance, and focuses only on this type of insurance. Get a Quote Read 1075 Reviews GEICO GEICO reviews When people think of GEICO, they think of their mascot. However, it's also an insurance company that offers comprehensive insurance at relatively low prices. GEICO offers a variety of insurance in addition to auto insurance. Get Featured Quote Read 1079 Reviews State Farm Auto Insurance State Farm Auto Insurance reviews State Farm is the biggest auto insurer in the U.S. and is a top 50 Fortune 500 company. It was founded in 1922 by a farmer, and for nearly a century has tried to bring a sense of neighborliness into the insurance business. Get Featured Quote Read 1036 Reviews Allstate Auto Insurance Allstate Auto Insurance reviews AllState became a publicly held insurance company in 1993, though it's been around since the 1930s. It is dedicated to hiring women and minorities in addition to providing appropriate insurance for people from all walks of life. Get Featured Quote Read 554 Reviews USAA Auto Insurance USAA Auto Insurance reviews USAA offers insurance to veterans and current military personnel. It has been in business since 1922 and strives to give military personnel and families coverage to meet their special needs, including auto insurance coverage. Get Featured Quote Read 481 Reviews Nationwide Insurance - Auto Nationwide Insurance - Auto reviews Nationwide first came onto the insurance scene in 1925. Its early funding came from nine farm bureaus, and it continues to receive agricultural support today. It has grown from a local to national company in the last 100 years. Get Featured Quote Read 297 Reviews Liberty Mutual - Auto Liberty Mutual - Auto reviews Liberty Mutual is one of the oldest insurers in the U.S. Today, it is the third largest publicly held U.S. insurance company. They offer a variety of comprehensive insurance packages, including auto and homeowners insurance. Get Featured Quote Read 268 Reviews Page 1 of 5 Next ConsumerAffairs Research Team     The ConsumerAffairs Research Team believes everyone deserves to make smart decisions. We aim to provide readers with the most up-to-date information available about today's consumer products and services. Featured in: top What features matter most? What’s covered? The amount of coverage you need varies from state to state. If you are a cautious person, you might opt for a more expensive policy with better coverage. If you have a lot of assets, experts recommend that you get enough liability coverage to protect them; otherwise the other party involved in an accident could have attorneys go after your assets as well. Read the policy: Carefully examine the insurance policy to understand exactly what is covered and make the right adjustments to suit your unique situation. Limits: Pay attention to the limits set by the insurance policy. In some cases, there will be a maximum payout, which may not be as high as you’re looking for. Are there exceptions? Sometimes policies will have exceptions and you’ll end up paying out of pocket for an accident or repair that you thought would be covered. Other driver’s don’t have insurance: If you get into a collision with an uninsured driver, you’ll have to pay for repairs out of your own pocket and sue for damages. Car theft: Insurance policies don’t always cover car theft. Damage from natural accidents: Some insurers don’t cover collisions with animals, tornados, earthquakes, damage from falling objects, etc. Mechanics and replacement parts Some insurers will push you to use shops in a direct-repair program or use cheaper replacement parts rather than the original equipment manufacturer. Are service providers reputable?: Check the fine print of the policy to see if the insurer has control over which service providers and parts are used for repairs. Can you choose a service provider?: Choosing your own mechanic is the best case scenario, but they aren’t always covered by insurance policies. What if the replacement part breaks?: Find out how the insurer handles faulty repairs and how quickly they will take care of it. Cost The cost of auto insurance is a big factor in most people’s decision about which policy to choose. Premium: The premium is the monthly or yearly price that you pay for your insurance plan. Deductible: Deductibles are the amount of money you are required to pay before your insurance company starts to pay out. The lower your deductible, the higher your premium. Coverage factors: Depending on what level of coverage you opt for, the cost of your insurance will vary. Your past driving record, credit rating and level of coverage will all affect how much your policy costs. Optional coverage In addition to basic auto insurance, there are optional coverages available for drivers with different needs. Collision coverage: Collision coverage pays for the expenses to repair your car. If you drive an older car that isn’t worth much money, it may not be worth it to pay for collision insurance. Comprehensive coverage: This covers things that could happen to your car that might not be covered by standard insurance, such as weather damage, running into an animal or other factors. It’s a good idea to opt for comprehensive coverage if you can afford it, but it can get costly so if you drive an inexpensive car it’s probably not worth it. Uninsured motorist protection: This protects drivers in the event that they get into an accident with a person who isn’t insured but is to blame for the accident. It will cover damages to the car and injury in the event that another driver is unable to pay out. Insurance company ratings An insurance company’s reputation is important. Good companies should have a quick response time, be adept at handling claims and have excellent customer service. Reviews and complaints: Check the reviews and ratings on an insurance company before purchasing a policy. Be aware of any complaints that have been filed. Handling claims: How long does it take for the company to handle a claim? Do you have to pay out of pocket first or do they cover the expenses immediately?