Many auto insurance advisers always stress the importance of finding the best insurance program which best suits the needs of each individual. One way of finding the right auto insurance product is by comparing the quotes of different vehicle insurers. This might be a lengthy and difficult task considering the number of car insurance companies all over the county. However, there are many online resources nowadays which can help consumers compare the quotes of different insurers easily.
To help consumers compare auto insurance companies many online surveys and research are being conducted these days to find out the best auto insurance companies. A certain research company came up with the top 10 best auto insurers in the US. Car insurance companies were rated based on response and repair, policy flexibility, benefits and discounts, customer service and claims and timeliness. Based on the result, Geico ranked first followed by Progressive, Esurance, Nationwide and USAA to complete the top five. Ranks six to ten comprise of Farmers Insurance, State Farm, Liberty Mutual, Allstate and AAA.
Reviewers gave the top-ranking company Geico, an excellent mark in all the categories mentioned above although the companies belonging to the top five had very minimal differences. The notable features of Geico include its infrastructural savings passed on to policyholders, instant online premium quote and online policy management. In addition, it has an excellent customer service which explains why it has one of the best retention rates in the auto insurance industry.
As for the quote options, all ten companies provide online and telephone service. Surprisingly, only Progressive and Esurance offer comparison quotes. The top nine companies offer the same policies such as bodily injury liability, collision, comprehensive, emergency roadside service, etc. There are also available discounts such for good drivers, good students, individuals with multiple vehicles, cars with low mileage and advanced safety features and so on. Farmers Insurance (ranked six) has the most number of discounts offering 11 different discounts to consumers.
Insuring a car is very important therefore fully understanding the policy being offered by auto insurance companies is very important since there are many scams these days. Just recently five former insurance claims appraisers were arrested for crash and bash schemes. The reviews and research results being published can help consumers when deciding which car insurer to use but it is still important to consider all factors before choosing which insurance product to buy.