As for the insurance companies, the best ones are often the most versatile in their coverage options and services. In order to prepare our list of the best car insurance companies, we’ve scoured the industry looking at customer service, shopping experience, and more.
You can also benefit from our quotes tool to find the best service available in your area: Price is the key factor for a lot of car insurance shoppers.
Choosing a policy based on rates only could cost far more out of pocket when filing a claim, however. Statistically speaking, that could take place to each driver at least once every 18 years. You pay to get the best coverage, whether it’s the cheapest package or not. What car insurance is required by law? Probably in all states, drivers are required by law to have mandatory liability insurance coverage.
It is regarded as a way to ensure that the driver can cover the cost of damages to other people or property if an accident took place . Some states applied a “proof of financial responsibility” requirement, which is a bit more flexible.
How I choose the Best Car Insurance Companies?
Firstly, I fulfilled a detailed analysis of 15 auto insurance providers. I gathered data on 86 different features (like a 24/7 claims center or discounts for electric vehicles), devided them into 12 categories, and scored each company on a 100-point scale. Below are the categories I used, along with the weight each one was given in the test.
The Best Car Insurance Companies of 2017 Amica:
In general, Amica was the strongest company overall in my research, and occupied the second place in J.D. Power’s 2015 customer satisfaction report — that means out of 11,469 surveyed drivers, it had the second highest satisfaction rating among more than 20 different companies.
It also gained the highest Consumer Reports rating among auto insurance providers. Consumer Reports even noted that most customers reported “proportionately few” problems during the claims process. Pros A high J.D. Power satisfaction rating: Amica received a perfect score in 4 out of 7 categories in J.D. Power’s 2015 auto insurance study.
High financial stability ratings: Amica boasts a “Superior” financial stability rating from A.M. Best, which is the highest rating available. No repair facility constraints: Unlike most every other insurer, Amica has no restrictions on which body shop you use for reparations.
“Platinum Choice” coverage: Amica offers an additional advantage of coverage called Platinum Choice, which costs more, but includes identity fraud monitoring, full glass coverage, prestige rental coverage, and rewards for good driving.
Best array of coverages: Amica provides the most driver and vehicle coverages among all my top recommendations. Its list includes GAP insurance