Best Car Insurance 2017
Reviews and ratings on the nation's leading Auto Insurance providers. Get coverage, premium and discount information from our list of top Car Insurance companies.
Car insurance is financial coverage of your car in the form of liability, property, and medical protection. Theft and damage due to accident fall under property coverage. As with most automotive coverage, car insurance is mandated throughout the United States. In each state, however, the minimum requirements can vary widely. Typically, uninsured motorist and liability coverage is mandatory.
When choosing a car insurance plan, work to ensure that the policy covers one’s specific requirements. Premiums may differ based on levels of coverage selected, but many plans will offer a combination of vehicle and personal coverage. While most companies will offer liability, personal injury protection, collision, and uninsured motorist, there are further add-ons available meant to promote greater peace of mind. These may include comprehensive coverage, umbrella coverage, mechanical breakdown, rental car coverage, and interior coverage.
Additionally, premiums will fluctuate depending on the person insured. One’s geographic location, gender, age, vehicle type, credit score, and driving history all play significant role in the final calculation.
Make sure to ask yourself these questions prior to selecting a policy: What is the process for submitting a claim? Are there any policy discounts available? Is 24/7 roadside assistance, as well as emergency service offered? Does the deductible and monthly premium ratio best fit one’s needs?
Top 7 Companies
- Our #1 Choice - Trusted by Over 18,000,000 drivers
- Competitive Rates, Tons of Discounts (safe driver, pay-in-full, multi-car, multi-policy, quoting online & more)
- Name Your Price Tool®
- Bundle Auto & Property to Save 5%
- Snapshot® is a program that personalizes your rate based on how YOU drive.
- Loan/lease Payoff Coverage, Roadside assistance & Strong Financial Ratings
- 12 month rate guarantee
- New/ better car replacement coverage
- Specialty vehicles (motorcycle, classic car, off-road, recreational vehicle)
- Good financial ratings
- Good list of available discounts
- 24/7 reporting
- Adjustable limits and deductibles
- Large network of local agents
- Roadside services
- Wide list of discount options
- Strong financial ratings
- Rental reimbursement
- Available nationwide
- Strong Financial Ratings
- Good variety of discount options
- Large number of local agents
- Classic cars, motorcycle and recreation vehicle insurance
- Great coverage options
- 24/7 claims reporting
- Roadside assistance
- Personalized recommendations based on customer preferences
- Talk to a personal insurance agent online
- Find and compare car insurance quotes for free
- Quick price and coverage calculator
- Real and accurate quotes
- Wide network of car insurance
- Good list of discount items
- Rental car coverage
- Gap Insurance
- No mechanical breakdown coverage
- 24/7 roadside assistance
- Competitive premiums
- Strong financial ratings
- Rate protection
- 24/7 claim reporting
- Rental reimbursement
- Towing and labor
- Good discounts
How We Compare Car Insurance
Customer Questions & Answers
What does Car Insurance cover?
Car insurance is often a combination of multiple policies that cover you and your vehicle in different ways. There are two main pieces to car insurance, policies that cover you when you are at fault, and policies that cover damage done to you or your vehicle.
Almost all states require car owners to have Liability Insurance, which will help you pay for damage done to others if you are at fault for the accident. This almost always includes two parts, Bodily Injury Liability (BIL), which covers the medical expenses of the people in the other car, and Property Damage Liability, which covers the damage to the other vehicle.
Additionally, the following policies will cover damage done to you or your car:
Personal Injury Protection (PIP) will cover the medical expenses of you and your passengers after an accident. Depending on your policy, this may even help cover lost wages if you miss work due to your injuries.
Uninsured (Underinsured) Motorist Coverage helps cover costs if the person who hit you is without insurance or does not have enough coverage.
Collision protection helps pay for repairs to your car after an accident, which also includes damage involving other vehicles, or objects like potholes, signs or garage doors.
Comprehensive insurance will also cover costs if your car is stolen or damaged outside of an accident (like vandalism, fire or natural disaster).
If I’m insured on one car, does that mean I am insured on all of my cars?
Car insurance follows the car, not the driver. Meaning you will need car insurance for every car you own. Additionally, this also means that if you lend your car to a non-excluded driver (meaning anyone you did not specifically exclude on your policy), and they get into an accident, your car insurance will take primary coverage status (even if the driver is insured with another policy).
Do I have to have car insurance?
Unless you live in New Hampshire or Virginia, your state will require you to have car insurance. Each state has different requirements for insurance coverage, and most car insurance providers will be able to help you pick a plan that will meet the state’s requirements, though it never hurts to check yourself with your state’s DMV.
Proof of insurance is typically required when registering your car in most states and if you loose insurance after you vehicle is registered, the insurance company will likely inform the state of your loss in coverage, which could result in fines and your car could be impounded.