If you want the best protection money can buy, buying an auto policy from one of the best car insurance companies is essential.
By buying a high-quality policy from a reputable provider, you’ll gain both peace of mind and protection from life-changing financial losses.
In addition to policies that can be tailored to your unique insurance needs, the best car insurance companies generally offer superior customer service, an up-to-date website where you can pay your bill or check your policy details, and a top-notch claims process that makes recovering from an auto accident as seamless as possible.
When figuring out which companies to highlight, we looked at several auto insurance related studies, including J.D. Power’s Auto Claims Satisfaction Study.
From those studies, we handpicked several companies that received high ratings across the board.
What Are The Best Car Insurance Companies of 2019?
| Progressive | Best Discounts | Get Quotes |
| QuoteWizard | Best For Price Comparison | Get Quotes |
| GEICO | Best For Additional Riders | Get Quotes |
| State Farm | Best Mobile App | Get Quotes |
| Esurance | Best Custom Policies | Get Quotes |
| Liberty Mutual | Great Customer Service | Get Quotes |
| Allstate Insurance | Overall User Experience | Get Quotes |
| USAA | Best Military | Get Quotes |
| Auto-Owners Insurance | Best Individual Agents | Read More |
| The Hartford | Best Claims Management | Read More |
Because car insurance has become such a competitive space, shopping around for the best automobile insurance rates is crucial.
One company might charge higher rates due to your age or driving history, another might offer special discounts based on an entirely different set of criteria.
When your goal is finding the best policy at an attractive price, it pays to compare several of the highest rated companies side by side.
Progressive
Progressive Insurance is a well-known company with a large base of customers and strong reviews. According to a recent study by JD Power on insurance companies and how they handle claims, they came in extremely competitive when it comes to pricing, among other things.
Stack on an exquisite lineup of discounts like the safe driver discount (up to 31%), pay-in-full discount, a multi-car discount, their multi-policy discount, and more, and you’ve got quite a front-runner.
Need Motorcycle coverage? Progressive tops our list for that too!
Did you know Progressive has more than 18,000,000 drivers insured today? This means roughly 1 in 10 drivers in America has chosen Progressive over all the others.
- 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
QuoteWizard
One mistake many consumers make when they are shopping for Car Insurance is not comparing rates.
It’s often cumbersome to shop a lot of companies, which is why we suggest visiting QuoteWizard.com. QuoteWizard is the largest independent insurance lead company in the United States that offers a tool which can help you get several quotes all at once.
If you decide to use QuoteWizard, they make it extremely simple to find auto insurance plans to meet your needs.
They’ll get your zip code since rates vary by location and then collect information about your car’s make and model. You’ll be able to add additional vehicles if you’d like to bundle (and save up to 20%).
Finally, they’ll ask for information such as your name and email before providing you with the best providers available in your area for your vehicle(s).
- QuoteWizard Comparison Platform saves an average of $65 a month
- Millions served since 2006
- No personal information required for quotes
- Get low rates from top companies
- Over 43,000 local insurance agents
GEICO
Who hasn’t heard of GEICO? Their lizard-like mascot is one of the most recognizable insurance company spokesmen (spokes-lizard?). Just because they are one of the most recognizable doesn’t mean they are the best option.
They have a quote tool you can use on their website to determine how much you’ll pay for your plan. You can also submit a claim or make a payment through their website as well.
As far as ratings are concerned, J.D. Power gave GEICO average to above average marks in every category.
There are a lot of benefits of having an auto insurance policy through GEICO. You’ll have access to several additional coverages you can add:
- Emergency roadside assistance
- Breakdown coverage
- Ridesharing insurance
- Auto Repair Xpress
All of these benefits are going to impact your monthly premiums. Some of them are more affordable than others, but they can be a great way to get the most out of your auto insurance coverage.
State Farm
Founded in 1922, State Farm Insurance has a history of financial stability and customer service satisfaction.
With physical offices and agents dispersed throughout the country, State Farm is also known for offering individual service that simply cannot be matched by online-only firms.
According to the Insurance Information Institute, State Farm is the number one writer of private passenger auto insurance, with over $40 million of premiums written.
The company’s biggest benefits include its brick-and-mortar stores and agents, the many discounts it offers, and its strong mobile app.
State Farm also makes it easy and painless to get quotes online, which means you don’t have to head into a local office if you don’t want to.
State Farm Pros:
- Local offices and agents provide in-person help
- Great mobile app and website
- Plenty of discounts available
Esurance
One of the main advantages of buying auto insurance through Esurance (owned by Allstate) is you have the control and flexibility to build a policy which fits your needs.
Esurance was one of the first companies to start selling directly to the customer instead of going through an agent.
They have made it incredibly simple to customize your plan, get a quote, and get approved for protection. The problem with all the customization and convenience is it’s going to come at a price.
Esurance says they are the “insurance for the modern world,” and they truly are. They let anyone get a quote as long as you have an internet connection.
The days of going into an insurance office are long gone. Now you can get an insurance policy without having to spend hours on the phone.
Esurance Pros:
- Quick and easy access to auto insurance
- Customized options
Liberty Mutual Insurance
Founded in 1912, Liberty Mutual Insurance insures more than 1.5 million vehicles and has some of the top customer service ratings.
In J.D. Power’s 2018 Insurance Shopping Survey, Liberty Mutual was ranked “better than most” it the categories of Policy Offerings, Local Agents, and Insurer Website, a few of the company’s standout features.
Liberty Mutual Pros:
- 24-hour claims service
- Great standard coverage, as well as the option to add:
- Accident forgiveness: Your insurance rates won’t go up when you’re involved in your first accident.
- 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.
- 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.
- Deductible fund: Reduce your deductible by $100 when you add this feature, and then another $100 every year after that.
Liberty Mutual Cons:
- Policies can be expensive if you are purchasing a single policy.
Allstate Insurance
If you’re looking for a car insurance company that offers high-quality insurance policies with the opportunity for discounts, Allstate Insurance should be on your short list.
Allstate received fairly high ratings across studies mentioned in this article, with its highest marks received from customers who reported a positive rental car experience.
Allstate Insurance offers the best of both worlds when it comes to the user experience. With brick and mortar offices and agents placed all over the country plus a user-friendly and helpful website, customers have the opportunity to get in-person help or access information online at any time.
Allstate Pros:
- Most areas have a physical office and local agents
- Multiple opportunities for discounts for bundling, anti-theft devices, and passive restraint
- Consumer-friendly website
Allstate Cons:
- Several comparable companies received higher ratings across the board
- Can be expensive if you don’t bundle policies
USAA
USAA received extremely high marks from J.D. Power’s Claims Satisfaction Survey, including 5/5 in overall customer satisfaction.
In addition, USAA customers were extremely satisfied with their final settlement after an accident, which is one of the most important indicators or a high-quality insurance company.
The biggest downside to USAA is that it is only available to members or former members of the United State military and their close family members. So, if you’re in the general public, you won’t have the opportunity to buy a policy from USAA.
USAA Pros:
- Top ratings, including overall customer satisfaction
- Superior customer service
- Diverse policy options to meet anyone’s needs
Auto-Owners Insurance
While Auto-Owners Insurance keeps a fairly low profile, they receive extremely high marks across the board. In fact, J.D. Power awarded it “better than most” or “among the best” in every category in its 2018 Insurance Shopping Study.
That puts Auto-Owners Insurance ahead of the pack in terms of overall customer satisfaction whenever a claim is filed.
The fact that Auto-Owners Insurance has been around since 1916 should also put consumer’s minds at ease. During that time, they have exhibited financial stability consistently.
Auto-Owners Insurance also has 6,300 independent agents, meaning you can buy your policy directly from an individual who understands your needs.
Auto-Owners Insurance Pros:
- High ratings for customer service and claims experiences
- Individual agents who care
- Variety of discounts available
Auto-Owners Insurance Cons:
- Policies can be expensive if you don’t qualify for discounts
- Website isn’t as user-friendly as it could be
The Hartford
With more than 200 years of history in business, The Hartford has built an excellent reputation for customer service and claims processing. As of today, the company is still receiving high marks from companies like J.D. Power.
In the 2018 Insurance Shopping Study Auto Claims Satisfaction study, The Hartford received excellent marks (4/5 or 5/5) in every category but having a local agent.
Although The Hartford is an old company, they still offer some of the best technology in the business. Using their website, you can shop around for and even apply for a new policy. Plus, you’ll have 24/7 access to agents either on the phone or online.
The Hartford Pros:
- Multiple policy discounts
- Top ratings for claims management
- Guaranteed renewals of your policy as long as you can drive
The Hartford Cons:
- Low ratings for service experiences during the claims process
- The best benefits go to AARP members
How to pick a policy with the best auto insurance companies
Knowing which companies received the highest marks year after year is just part of the battle.
Beyond researching the best auto insurance companies on the market, you’ll also need to decide which type of policy to buy – and how much coverage you really need. On top of those factors, you’ll need to consider how high your deductible should be.
Consumer Reports offers an extremely helpful guide that highlights the steps you can take to find the best policy for your needs. Even if you’re fairly happy with your policy, they suggest shopping around to compare rates at least every two or three years.
That way, you have a good idea of where car insurance rates are headed and how much you could save if you switch. Plus, it never hurts to shop around. Based on your age, your driving record, and other factors, the policy you have now could be considerably cheaper if you switched firms.
Here are some tips to consider as you shop around and compare policies:
1. Pick a top-rated insurer
By checking auto insurance ratings, you gain insight from each company’s existing customer base.
Consumer Reports suggests reading through the most recent auto insurance claims and satisfaction studies to see which companies consistently come out on top.
2. Set the right deductible
No matter whether you buy liability coverage or full coverage for your vehicle, you need to pick a deductible that meets your needs.
Consumer Reports suggests choosing a higher deductible if you want to save on monthly premiums but setting a lower deductible if you want to avoid a large out-of-pocket expense in the event of a car accident.
“If you have a good driving record and haven’t had an at-fault accident in years, or ever, opting for a higher deductible on collision coverage might be a good bet,” writes Consumer Reports.
Just remember to keep that much cash on hand in case you need it.
3. Don’t buy state minimum coverage if you truly want a high-quality auto policy
While state minimum coverage is less expensive in the short-term, it can prove extremely costly if you have a claim that far exceeds the cap on the policy you purchased.
By investing in a policy that offers more generous coverage limits, you can save yourself some heartache and protect your personal property in the event of a costly accident.
4. Ask friends and family for recommendations
While reading auto insurance provider reviews and ratings is a smart move, you can also ask family and friends for their recommendations.
General ratings can help you gauge the quality of any company; however, personal reviews tend to hold more weight. Ask friends and family members whether they have had a good experience with their auto insurer before you purchase a policy.
You may be able to nail down the best insurer for your needs based on the suggestions of others.
5. Get quotes from multiple companies
If you’ve read plenty of insurance company reviews and still can’t decide, it might help to get several quotes to compare. Depending on where you live and other factors, one company could offer a much better deal on auto insurance than the rest.
In this scenario – where one company is much cheaper overall – you should figure out why the price is so affordable. Are you comparing apples to apples?
6. Compare similar policies
Speaking of an “apples to apples” comparison, this part of your search is crucial. To find the right auto insurance company and policy for your needs, you need to compare similar auto insurance policies among multiple providers.
This means comparing policies with the same levels of coverage and a similar deductible.
How to choose car insurance coverage limits
While you can buy a similar level of auto insurance coverage from multiple insurers, it might be wise to tailor your policy to your specific needs. The higher your coverage limits, the more you’ll generally pay for your premiums.
However, having higher coverage limits also means more security in the event of a catastrophic accident. The same is true for your deductible as well; with a lower deductible, you’ll pay a lot less out-of-pocket if an accident should occur.
On the flip side, you’ll pay higher premiums to have a lower annual deductible.
As you navigate the intricacies of comparing policies among different insurers, it’s important to decide on the coverage limits you’re comfortable with as well.
Before purchasing your new auto insurance policy:
1. Consider your assets
If you own your home and have plenty of other assets, you should consider buying a policy with higher coverage limits than what is normally offered. For more peace of mind, consider buying the top tier of auto coverage to protect your family.
With more coverage in place, you can ensure you won’t run out of coverage in the event of a catastrophic accident – or worse, get sued by someone who plans to go after your assets in court.
Of course, some people also buy a generic umbrella policy to kick in in times like these. With an umbrella policy, you’ll have additional coverage to tap into if your auto insurance policy’s limits have been reached, or if someone sues you in a court of law.
2. Take your car payment into account
If you paid cash for your car or paid it off slowly over time, it’s your right to choose an auto insurance policy with any limits you desire. If you financed your car and still owe money, on the other hand, your lender might dictate the type of policy you have to buy.
Most lenders who carry auto loans will require you to add comprehensive coverage with collision benefits to your policy. This type of coverage is definitely more expensive, but it will help defray the costs if you should damage or total your car while you’re still making payments.
Gap coverage is another type of coverage that will “bridge the gap” between what your car is worth and how much you owe. Since many newer cars tend to lose value quickly, this type of coverage can be a smart purchase towards the beginning of your auto loan.
3. Figure out what kind of driver you are
If you’re a reliable driver who has never been in an accident, having the highest levels of coverage may be the last thing on your mind.
If you’re not a great driver or have been in several accidents, on the other hand, you may be keenly aware of just how important those coverage limits are.
At the end of the day, the type of driver you are and how often you drive may play a part in the coverage limits you select.
If you drive infrequently, you may be more comfortable with lower or average limits. If you drive at high-risk times or commute back and forth to work, on the other hand, more or better coverage might help you sleep better at night.
4. Decide how much you can afford to pay if you have an accident
Coverage limits play a huge role in how much your auto insurance premiums cost, but so will your deductible. Since you’ll be required to pay your deductible in full to access your insurance benefits after an accident, it’s important to make sure your deductible is affordable enough you can cover it with your savings.
The right auto policy for your needs will have the right combination of healthy coverage limits with an annual deductible you can actually afford.
Want the lowest auto insurance rates? Do this.
While auto insurance rates are extremely competitive, they still vary widely depending on the company you use and the type of policy you purchase. With that being said, there are still plenty of ways to keep your costs lower than average.
Consider these tips if price is an important consideration:
1. Ask about discounts
Some of the best car insurance companies offer discounts on anything from bundled policies to good credit, zero claims, theft protection devices, and more.
Others offer discounts for paying your six-month premium in-full or installing an electronic device that lets the company monitor your driving habits over the long haul.
Allstate Insurance, for example, offers Drivewise – a discount program for customers who install a tracking device into their vehicle. By letting Allstate monitor your driving habits, you can qualify for a discount of up to 30 percent.
2. Take advantage of low mileage discounts
If you work at home or have a short commute to work, some car insurance firms will extend a discount. Low mileage discounts can also apply if you carpool to work and share miles and expenses.
Qualifying for a low mileage discount may require you to prove how much you drive each year. Further, each auto insurance company has their own limits on how many miles you can rack up and still qualify for this discount.
The best way to find out if you qualify for a low mileage discount is to ask your auto insurance agent when you apply for coverage – or even after you qualify.
3. Shop around
If your goal is saving money, the most important step in your search for car insurance is shopping around. Auto insurance rates can easily vary by hundreds of dollars per year with the same car and driver.
If you want the best shot at affordable rates, it’s crucial to shop around with at least 5-6 auto insurance firms.
Fortunately, shopping around online or over the phone is easy. Most of the time, a quick phone call or online inquiry is all it takes to get a handful of new auto insurance quotes in minutes.
Make sure to shop with private companies and insurance brokers who may be able to offer a car insurance quote from different insurers.
Also, don’t base your decision on price alone. Where securing an affordable policy is important, the quality of your auto insurance policy is equally crucial.
Buying a cut-rate policy won’t leave you better off if you get in a wreck and really need coverage. When shopping for a policy, you should focus on price and value.
4. Consider raising your deductible
Whether you’re shopping around for a new auto insurance policy or planning to keep the one you have, raising your annual deductible is a smart way to save on your monthly premiums.
If you want a $500 deductible to access your auto coverage, your insurance will be more expensive than if you chose a $1,000 deductible from the start. To save money, you should choose the highest deductible you can reasonably afford to pay.
If you do choose to go with a higher deductible, make sure you keep enough cash on hand to cover it at any time.
If you have a $1,000 deductible on your auto policy, for example, you should set aside at least that much in an account – or make sure you keep enough cash to cover your deductible in your regular emergency fund.
5. Reduce coverage on older cars
While you might consider full coverage on your cars, that doesn’t mean you need it. Where full coverage is smart on newer cars, liability insurance coverage may be a smarter move for older, paid-off models.
To find your break-even point, check out how much your car is actually worth on a website like Kelley Blue Book.
If the cost of full coverage on your car is nearly as much as the car is worth itself, converting your policy to liability only can help you save money without jeopardizing your financial life.
6. Keep your credit in good shape
Most of the best auto insurance companies check your credit before they extend a new policy.
If your credit is excellent, this will only help you get the best auto insurance rates. If your credit is poor, on the other hand, you might be asked to pay a whole lot more.
To keep your credit in good health, check your credit score and report frequently.
While Credit Karma lets you see an estimate of your credit score for free at any time, AnnualCreditReport.com is a government-approved website that lets you see your full credit report from all three credit reporting agencies once per year for free.
7. Keep insurance costs in mind when you choose a car
The newer your car is, the more expensive your car insurance premiums will likely be. Also, consider the fact that some car models with expensive replacement parts can cost more to insure regardless of age.
Consumer Reports suggests asking your car dealer to show you the “Relative Collision Insurance Cost Information Booklet,” produced annually by the National Highway Traffic Safety Administration.
That way, you’ll be in the best position to avoid models with insurance costs that are higher than most.
The Bottom Line
When shopping around on the best deal for auto insurance, it’s important to look at more than just premiums.
The best auto insurance companies should offer more than affordability – they should also receive good ratings and reviews from their existing customer base, the same goes for life insurance, burial insurance, and health insurance.
The best way to find this out is to complete some research on your own. Look at some of the recent studies completed and read through them, then read as many online reviews as you can find.
Also, make sure to shop around and compare rates among the handful of companies you feel comfortable with. The more you shop around and compare, the better off you’ll be.
Linda says
Very helpful info on car insurance companies.
Charnetta says
Do I have to call each Insurance Company separately for quotes/rates or is there a one stop shop/place where I can get quotes from all of the companies at once. Your article did not mention this valuable piece of information.
Jeff Rose says
Hi Charnetta – You can call each individually, or you can use Quote Wizard, which can connect you with them all. We’ve included a link to Quote Wizard in the article.
Ljackpat1958@aol.com says
Your site does me no good at all because it refused to accept my zip code as valid. We have lived in the home for 50 years and I know my zip code. It is 48322 yet you site keeps telling me to enter a valid zip code. 48322 is a valid zip code.
Patricia Low
David says
I know from experience some of these insurance companies are only out to steal your money like Geico and State Farm.
Dwayne Chatoney says
Please send your quotes via email. I will send a copy of the current insurance coverage I have for auto and home. I would like to bundle my policies and add a 1 ml umbrella policy.
Jeff Rose says
Hi Dwayne – We don’t offer auto insurance, but you can contact any of the companies on this list.
Lisa M Jones says
Looking for an affordable car insurance with full coverage
Jeff Rose says
Hi Lisa – Check with some of the ones on the this list. Rates differ between states with the same company so do plenty of shopping.
Titus Carerra says
Well, since I can hardly see any negative reviews on Progressive, and after all I’ve been hearing about it, I guess I’ll go for it then. 😉
Jeff Rose says
Hi Titus – If you dig deep enough you’ll find some. But that doens’t mean they’re a bad company. Every business has complaints against it, and unfortunately, people are more likely to complain than to praise. But yes, Progressive is an excellent company.
Eric says
I was with Liberty Mutual for about 15 years and was very satisfied with their prices and service, although I never filed a claim. When I retired and moved from California to Florida, my auto rate went up a ridiculous amount, to almost $10,000 a year even though I had no accidents and one minor moving violation in the last ten years. On top of that, Liberty Mutual screwed up my umbrella policy and told me it was “unenforceable,” whatever that means, but I had to pay for the policy anyway up to the time I canceled and switched to Progressive, which cost about one third the cost of Liberty Mutual for an identical policy. Even good companies change over time.
Jeff Rose says
Hi Eric – What you’ve seen is not an unusual situation. A company that’s good in one state isn’t in another. Liberty Mutual worked for you in California, but not in Florida. This is why it’s not possible to say one company is the best. That will vary by state and by your own personal profile. That’s why we produce these “10 Best” lists, to give you companies to investigate.
Selvin says
I can’t Believe you have GEICO last I just recently got in a Car accident on 3/16/18 and the claim process has been going really smooth and what people have told me my full coverage for two vehicles is the best they have seen.
Q says
Being in the business for a very long time, I have found that most people are clueless about insurance, even most agents who sell them. I will agree that their rates are cheap. But I wouldn’t recommend them. Inexperienced adjusters. They do not fully investigate. The policy does not cover like, kind, and quality which is bad if you have a new vehicle.
Jimbo says
STATEFARM worse company on the planet….dishonest, and does not do the right thing for there policyholders….
Screwing there policyholders is common practice for this insurance co.
Lou says
Liberty Mutual has raised my premium every year over the last 4 years, it went up 48 a month from last years to this year; I’ve had 0 accidents, tickets or claims.
They said it has gone up because live in Pennsylvania, really I’m paying for other bad drivers.
Switching to another insurance carrier.
Biraj Pokhrel says
Well this is a good article on best auto insurance companies this has helped me out to choose the one..
Cheers
Biraj pokhrel
Neel Opart says
Liberty Mutual just dropped my family because of two claims that were made on my daughters car. She had her car at school freshmen year and It was parked and hit on the rear corner closest to the road. It wasn’t her fault and no one came forward to admit to the accident. She no longer has a car at school, and drives rarely when she’s home. The second accident was when she was pulling out of the carport and her front bumper caught a wooden railing when she was backing out. That was her fault, but an accident. Isn’t that why we have insurance????? Before I got this letter from Liberty mutual, I sang their praises. I will loudly have bad things to say from now on. Don’t count on Liberty Mutual
Brandon Wilson says
I think this is a fair list, but I would have liked to see a few more insurance companies listed. I believe there are several more comparable insurance companies out there that could have made the list. We have partnered with several A+ rating carriers in Kansas and Missouri.
Richard Adachr says
BY far the worst and most expensive Insurance company is Intact Insurance. Worst experience ever trying to get payment after paying Insurance for 35 years and never having a claim! A disaster.
Bill from Ohio says
Comment on AARP Hartford ins. Under your rating for Hartford you state “•Only available to U.S. military members, veterans, or their close family members”
This is INCORRECT, that comment should be for USAA.
Now as to Hartford, I have had them for years and claims for uninured motorist on my car ins and for storm damage on my roof due to large hail. Both claims settled satisfactorily. Cost to the company will never be recovered thru cost of my policies. Also policy cost is in line with other large companies but defiantly not cheap. I just received a quote from Liberty Mutual on my car insurance $400 less that Hartford. However the agent seemed reluctant to send me the quote via email. I thought this strange since I wanted to verify the coverage was he same as I have, he said I just reviewed the coverage (via phone call) to which I replied I didn’t record the conversation so please send me an email detailing the cost and coverage, He stated he would but that was a couple hours age and still haven’ heard back. Go figure.
Ambreen Nisa says
HY,
Its my first visit to your blog and i have found it so useful and informative. I am also looking to get my car insurance and searching top companies that provides best services.Amazing list you have provided, i like USAA.
burpee says
USAA is great, but only for military families. For us “common folk”, it’s best to look around and see what is cheap in your area. Look at every website you find and get all the quotes you can. Eventually you’ll find some good rates that won’t break the back. I found 25/month (thru Insurance Panda) and I’m always looking for cheaper.
Also – I think there is no such thing as “customer loyalty” when it comes to auto insurance. If you’ve been with a company too long, chances are you are being screwed!
Mathew Burke says
I am glad to see USAA at the bottom; but it should not be on the list at all. I am currently going through a claim with them (total loss, I got rear ended, pushed into the car in front of me and they hit the car in front of them; not at fault). I have all correspondence recorded and proof of them lying to me, and using made up regulations to justify it. When asked for the reference for said regulations, I am ignored. I have been throwing WAC at them, quote after quote as to how they are being unruly. This was in December, it is now April and they have YET to give me a valuation report in compliance with WAC. I will be more than happy to provide a copy of our correspondence (with PII edited, obviously), proving how bad USAA is at customer service and how willing they are to break the rules if it benefits them. Email me if you want to see it. I finally had enough and contacted the Washington State Insurance Commissioner; USAA has until the middle of this month to respond to them… We will see what happens next.
I have been a USAA client for over 10yrs; I had never had issues with them before last year. This is just the breaking point, I’m transferring all of my accounts to other places. Do not use USAA… They are not the same as they once were.
mike says
Matthew thanks for posting this. You’re absolutely right. USAA has gone down the tubes, I dont get it, a simple claim recently for auto, turned into a nightmare. bouncing my calls all over the country with a bunch of idiots for claim reps answering the phones, and forcing my car into total loss when it should not have been, and paying only a portion of the damage even though I have collision.
Only thing I’m not sure of, is USAA used to be the cheapest, and they usually don’t penalize you too bad if you have claims, other companies, when I was younger, would hit me with heavy penalities or kick me off policy.
Maybe its time for me to shop around. not sure. I think since Hurricane Sandy, hit the east coast, all the insurance companies have probably put on their nasty hats. IMHO , their attitude at USAA started to change towards the end of my (very small minor damage), Sandy claims.
I can’t even figure out how to make a formal complaint up the corporate ladder at USAA. Still working on it.m
Molly Marine says
I beg to differ on USAA. I had been a loyal customer for over 15 years. My first claim on property went okay. It took them 4 months to pay out on lightening & they low balled me. (August will make a year on lightening)
Now flash forward present day. Last month I had a wreck. It was not my fault. I called USAA to get my rental covered because the cop wouldn’t give me the @ fault driver’s info said I had to wait for the police report. USAA informs me that I don’t have rental. Excuse me 3 months ago when I added collision I told you add rental & you said you would. USAA claims I did not tell them that, but I know I did because Roadside made it but not rental? Now mind you my Escalade is totalled. The frame is warped among many other things. I’m not @ fault & USAA (my own insurance company) tries to screw me? (The @ fault driver’s insurance company is someone I’ve never heard of but it’s not USAA) The adjustor says not totalled we’ll settle for 10Gs…. no I’m not settling for 10Gs on 50G+ truck especially with a warped frame NO WAY!! I’ve lost major retail value & nobody will buy it with the carfax that’s attached to it now.
My advice to everybody is this… if you’re in a wreck & you’re NOT @ fault GO GET A LAWYER. If you get the best one around to your local area – stats show you’ll get @ least 3x more than if you don’t have a competent lawyer or you Pro Se it. I’m not sue happy, but I’m not getting taken advantage of either.
USAA’s adjustor knew he messed up big time. He told me that & I said no I don’t agree & I’m not accepting that, so, I guess you need to finish this conversation with my lawyer. He promptly snarkily replied we can’t talk if you have a lawyer… I said I guess we can’t talk then here’s his number & hung up. I think he had enough time to Google my lawyer & he called me back to back 3x. The 3rd one I said you said we can’t talk so we’re not talking. You are finishing it with my lawyer… click. I’m done messing around @ this point. I hurt. I can’t get to my follow-up doctors appointments & they’re trying to screw me out of fair market value for my truck. Just no way.
BTW regarding the wreck- do NOT talk to the other insurance company- the @ fault driver’s insurance company. You’re not required if you have a lawyer. Get a lawyer!! Call them from the hospital if you have to they’ll come to you @ the hospital if you call them there. They’ll even come out to your house. Please don’t let the insurance company screw you. You just want what’s fair & your property covered fairly.
mike says
Molly, im curious how you get a lawyer to help on an auto damage-only claim, do you have to pay the lawyer by the hour, i mean if there’s no injuries, wish you could elaborate on this one.
Sarah Peterson says
I LOVE USAA! I am surprised it’s not higher on that list. I had Allstate and they never fought for me or my family even though we were paying more than we are paying now. Over where we are at, the speed limit for the highway is 70. There was hardly anyone on the road so my husband drive on the far left since there is a lot of exits in the far right lane. This woman pulled out in the far left lane doing 20. My husband didn’t have time to break because she pulled out right in from God us with no turn signal. But Always was already assuming it was his fault even though they can review the car to see how fast he was going and who was in the wrong. I am glad we dropped them and moved to USAA. They are the best!
Sarah Peterson says
Sorry there is a few typing errors. My phone didn’t show the bottom of where I was typing and my phone must have auto corrected a couple of these words.
MoneyAhoy says
I have had Progressive for years and have never had any trouble. My car got plowed into by a deer, and Progressive was reasonable to deal with. Their rates are also about the best I can find. We bundle in our home insurance (through some licensed third party) and save even more! Our rates just actually went down this past 6-month period which was a pleasant surprise.
Rachel says
I know I’m going to have to start looking at my auto-insurance options some time in the near future, so I am definitely going to have to do my research and, like you said, see what each company’s customer base says about their experience. Thanks providing this list and your advice!
Millennial Moola says
I’m pretty surprised that GEICO didn’t make the list. I’ve been really pleased with them ever since becoming a customer. That said, I’ve never had to file a claim, but my limited interaction with their non claim related customer service has been really good
Eldorado says
I have been a GEICO customer for about least 15 years. Claims and customer service are not the issue with them. After said years of faithfully paying my insurance on time and renewing each year I accidently back into a car in my driveway. The cars were repaired without incident. However, GEICO penalized me by taking away my good driver discount and increase my monthly insurance rate by nearly $100.00 ; leving a hefty penalty for making a claim. I can’t imagine the money they made off of me during the 15 years I’ve faithfully paid auto insurance. I am hunting for a new auto insurance carrier since GEICO obviously thinks driving is perfect and accidents never happen.
Mooseman says
Watch out for GEICO especially when changing coverages. I have learned the hard way that you can’t trust them to get your changes correct. I was just hit in the rear while stopped at a stop sign. I am trying to go through the collision coverage I am supposed to have only to have GEICO tell me that I removed this coverage a few months ago. The fact of the matter is I did not remove this coverage and never would have done that or agreed to that. Trying to reason with them has been an exercise in futility so far with a supervisor trying to put the onus on me for the problem. I am currently awaiting their final position on their review of this matter, but whatever the outcome I now know I cannot relie on them to get things right and I will always have to check on them. The mistakes they make hurt you, not them.
Stephen J hill says
I have been with Geico for 10 years, what kept me with them is that my daughter had just graduated high school and started college she asked to borrow the car because she was late for school, I said yes she got into a fender bender. Geico paid the claim and they even asked its my choice to add my daughter to my policy or not. Insurance only went up by $30 dollars a month.
I have 1 Full coverage, and 2 Liability vehicles with them and I pay $170 a month.
Jeff Rose says
Hi Stephen – I think you’re doing the right thing – as long as the premium continues to be reasonable compared to the competition. Even though we obsess on low rates, quality of service matters. It does little good if you get the cheapest policy, then they stick you when you have a claim. With must auto claims there’s going to be a human error factor (especially with new drivers), and you can’t be with companies that will hold that against you to such a degree that it seems like they no longer want your business.
Raham says
I have had GEICO for over 15 years, about 8 years in my rates skyrocketed never made a claim. An hour and fifteen minute call and GEICO found about $550 worth of discounts. 8 year later my daughter had an accident my rates went up 102%. A 102% increase does not fit my budget.