It is clear that, like many other properties (such as houses, heavy machinery, boats, and motorcycles), cars are items that must be insured if you want to significantly reduce costs in the event of accidents or mechanical breakdowns.
For this reason, this article offers a list of the best car insurance companies, taking into account vital characteristics such as costs, scores on specialized sites in critical reviews, direct opinions from users, accessibility to their portals.
Here is the list of the 10 best car insurers companies.
This agency, whose initials come from the United Services Automobile Association, was founded in 1922 in the city of San Antonio, Texas. At first, it was organized by a group of 25 members of the army.
In general, the reviews provided by websites specializing in product and service reviews are very positive, approaching in most cases the maximum score of 5 stars.
It is characterized by offering one of the lowest costs of monetary contribution for the insurance payment, which is set at around 894.95 USD, which puts it at an advantage over the other insurance companies mentioned.
This company, also old, was founded in 1936 in the state of Texas by Leo and Lilian Goodwin. The name comes, in turn, from the acronym in Government Employees Insurance Corporation. As in the previous case, since its inception, this company has promoted services for federal employees and members of families with military affiliation, who enjoy more accessible budgets than the rest of the population.
The reviews are approaching 4/5 stars on average. These mainly highlight the quality and promptness of attention, the solidity of the company, and the low costs concerning direct competition. Geico also offers services as an insurer to other properties, including condominiums, boats, motorcycles, and houses, among other assets. The accessibility to the company’s data is wide thanks to the presence of a telephone application available to all public, as well as the information available on its website.
Allstate was founded in 1931 by Robert E. Wood, who initially offered his services to small car owners. According to general reviews, this company achieves a 4/5 star rating, mainly praising the quality of the company’s human resources, always attentive to answering questions immediately and in record time.
On the other hand, although the moderate costs of the contract are higher than the aforementioned companies, most of the users have limited that they would contract the services again at the time of their renewal.
As mentioned in the previous case, this company also has insurance services for houses, motorcycles, machinery, income, and health.
This company also has a long journey, having been founded in 1922 by (George Jacob Mecherle) who decided to dedicate himself to the world of insurance when his career in the field began to decline. Its name, of course, is related to the other passion of its founder.
This insurance company enjoys great popularity in the nation, being one of those that reported the fastest growth speed throughout its history, mainly in the middle of the century.
The general reviews give it, as in the two previous cases, a score of 4/5 stars in most of the specialized review sites on the internet. Around 60% of users have reported being completely satisfied with the service offered, and a small percentage (19%) commented that they were, simply, “satisfied”.
It may not have the excellent customer service Allstate has mentioned, but its strong institution and more affordable prices make it a favorable option for many people.
Farmers Insurance Group
Farmers founded in 1928 by two partners, John C. Tyler and Thomas E. Leavy, also targeting their services for farmers in different rural areas, something common for the time. The company subsequently grew, forming its headquarters in Los Angeles.
Car insurance services include a wide variety of options in case of accidents, a distinctive feature of this company. It includes liability coverage, collision coverage, comprehensive, and other types related to personal injury and loss.
Like the previous options, it is also possible to extend the services towards the home and the rent, being feasible in some cases to apply to specific discounts if an insurance contract for the family car is also requested.
Progressive has extensive experience in the area, being founded in 1937 by Joseph Lewis and Jack Green, two attorneys who sought, like the creators of the other companies, to extend services to more people in the nation.
The scores offered by users on various specialized websites rate the company, on average, 3.89 / 5 stars, slightly lower than the rest of the companies mentioned in this list. Around 60% of users have been completely satisfied with the service, even though not all recommend hiring other members of their family and social circle.
The businessman Herman Wittwer was in charge of founding the American Family in 1927, also taking into account the situation of Wisconsin farmers, who were at a disadvantage in terms of insurance for their properties. It is currently included in the Fortune 500 list, which includes several of the largest companies in the world.
Despite this, it has an overall score of 3.68 / 5 on average, after reviewing specialized websites in the area. The highlight according to users is the speed with which the company solves specific problems, something that is especially appreciated in emergencies.
Nationwide Mutual Insurance Company
Founded in Ohio in 1925, it was also created to solve the problems of farmers in rural communities, gradually expanding to become one of the largest companies in the area within the United States.
It has an average score of 3.92/5 stars on review websites, highlighting the ease of communication with staff, although fewer people said the dispute resolution process was quick, putting Nationwide at a disadvantage compared to other companies.
Liberty Mutual Group is an American diversified global insurer and the third-largest property and casualty insurer in the United States. It ranks 75th on the Fortune 100 list of largest corporations in the United States.
The Travelers Companies
At the bottom of this list is Travelers, one of the longest-running insurance companies to be found (founded in 1897). It has more than 30,000 employees, with a strong international presence.
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