Top 10 Auto Insurance Companies

Everybody wants to know if their insurance is among the top 10 auto insurance. Well, that is subjective, but you can always find what other people think. Find out now!

 

✔ Last updated: 2020-11-23

All of the car insurance providers that we have included on our list have one thing in common: They have an easy shopping experience, and they take good care of their policyholders after an accident. They also treat their customers with respect and courtesy.

Now, let’s learn more about auto insurance and why you should get one.

 

Rank

Service Provider

Features

Visit Site

★★★★★
100+ Ratings

✔Loan/lease payoff coverage, roadside assistance & strong financial ratings
✔Name your price Tool®
✔Trusted by Over 18,000,000 drivers
✔Bundle auto & property to save 5%
✔Competitive rates, tons of discounts 
✔Snapshot® is a program that personalizes your rate based on how YOU drive.

★★★★★
100+ Ratings

✔ No personal information required for quotes
✔ Over 43,000 local insurance agents
✔ Average QuoteWizard user saves $65 a month
✔ Millions served since 2006
✔ Get low rates from top companies

★★★★★
100+ Ratings

✔Ridesharing insurance
✔Emergency roadside assistance
✔Auto Repair Xpress
✔Breakdown coverage

★★★★
100+ Ratings

✔ Great mobile app and website
✔ Local offices and agents provide in-person help
✔ Plenty of discounts available

★★★★
100+ Ratings

✔Customized options
✔Quick & easy access to auto insurance

★★★★
100+ Ratings

✔Better car replacement: You’ll be reimbursed for a car that is one model year newer and 15,000 fewer miles than your totaled car.
✔Accident forgiveness:
 Your insurance rates won’t go up when you’re involved in your first accident.
✔Deductible fund: Reduce your deductible by $100 when you add this feature, and then another $100 every year after that.
✔New car replacement: If you total your car when it’s less than a year old and has fewer than 15,000 miles, they’ll reimburse you the cost of a new car, not just the depreciated value.

★★★★
100+ Ratings

✔Multiple opportunities for discounts for bundling, anti-theft devices & passive restraint
✔Most areas have a physical office and local agents
✔Consumer-friendly website

★★★
100+ Ratings

✔Top ratings, including overall customer satisfaction
✔Superior customer service
✔Diverse policy options to meet anyone’s needs

★★★
100+ Ratings

✔Individual agents who care
✔High ratings for customer service and claims experiences
✔Variety of discounts available

★★★
100+ Ratings

✔Top ratings for claims management
✔Multiple policy discounts
✔Guaranteed renewals of your policy as long as you can drive

Should I Really Get Auto Insurance?

Having auto insurance is a legal requirement, and with the proper coverage, it provides financial protection in the event of your car being damaged. It can also provide cover for injuries to other drivers, pedestrians, passengers, and even their property.

Accidents do happen every day, so it is reassuring to know that you are covered financially if you are involved in one.

Is It Necessary to Get Auto Insurance?

If you have auto insurance, it will cover your expenses in the event of car damage or injuries to other people involved in the accident.

Every motorist must be insured because as it is their liability to other people.

Insurance also provides financial support if your car gets stolen, destroyed by nature, or vandalized.

There may be even an instance in which you do not need to ensure your vehicle. For example, if you declared your car off the road through a Statutory Off Road Notification from the DVLA.

What Happens if I am Not Insured?

Let it be known that driving without car insurance is illegal. If you still do not have one, you could get fined, or worse, your license can be confiscated. The maximum fine is without limit. You will also receive six to eight penalty points on your driver’s license.

What are The Different Types of Auto Insurance?

There are actually three different levels of coverage that you can choose from: Third party, the third party with fire and theft, and comprehensive insurance.

Now, let’s discuss the difference between these three types of insurance briefly.

1. Third Party – This is the lowest type of insurance required by law, but it is not always the cheapest. It will cover injuries to other people, and it can also cover damages to other property.

2. Third Party, Fire, and Theft – This type of insurance is the same as the third party, but you will also get coverage for the cost of repairs or auto replacement if ever your car gets stolen or damaged by fire.

3. Comprehensive Insurance – Comprehensive insurance is the highest level of coverage you can get. It will protect you against damage to your car as well as accidents that involve other people. A courtesy car might also be included and legal insurance, but this may be at an additional cost on top of your insurance plan.