Car is no more luxury, but a necessity in the modern busy life. But this expensive item needs to be secured by sufficient amount of auto insurance, which also safeguards the interests of the driver and the car-owner. If the car meets with a road accident, this auto insurance only saves the car owner from financial wreckage. But as car insurance is as expensive as the car, the car-owner should look out for getting the best car insurance that will fit into his budget and will also fulfill all his requirements.

As the prices of both car and car insurance are rising day by day, the common people may find it hard to pay the high premium of their car insurance. So they need to check the quotes from a number of best car insurance companies, compare their prices and offers, to finally zero on the best suitable one, as per the convenience of the car-owner. But there are also certain factors that may help in lowering their auto insurance costs.

Rating of Car Insurance Companies

Company Affordability Rating Customer Service Rating Get A Quote
21st century
5.0
out of 599 user reviews
3.6
out of 599 user reviews
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Aarp
4.5
out of 599 user reviews
4.5
out of 599 user reviews
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Amica
4.0
out of 599 user reviews
4.3
out of 599 user reviews
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Esurance
3.8
out of 599 user reviews
3.8
out of 599 user reviews
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Nationwide
5.0
out of 599 user reviews
3.9
out of 599 user reviews
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Safeco
3.0
out of 599 user reviews
3.7
out of 599 user reviews
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Farmers
3.0
out of 599 user reviews
3.9
out of 599 user reviews
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Metlife
3.0
out of 599 user reviews
4.1
out of 599 user reviews
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Erie
4.0
out of 599 user reviews
4.1
out of 599 user reviews
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Few points that may help in reducing auto insurance prices

  • It is better to pay annual premium of the chosen coverage of car insurance, as often the monthly premiums ultimately result in shelling out more money than the amount paid once in a year.
  • Every car owner may not need all types of coverage, for which he must speak in details with his insurance agent or directly with the officials of the chosen auto insurance companies, to know the best car insurance rates and what should be the coverage types needed by this specific car-owner.
  • The add-on coverage of the auto insurance should be checked carefully, to find if the owner at all needs them. Sometimes, a few matters may be already covered by the other insurance policies or bank accounts of the car-owner. For example, a health policy may cover the accidental expenses needed for the treatment of the accidental victims. In that case, this coverage should be minimized in the auto insurance policy.
  • If the car-owner feels the price of his tailored auto insurance policy to be too high, he may consult some top car insurance companies and find out the lowest prices offered by them for different coverage parts in their car insurance policies.
  • It is better to add a voluntary excess with the compulsory excess amount, so that the car-owner needs to pay lesser amount of money as the premiums of the best cheap car insurance, from the chosen auto insurance company.
  • When a person wants to switch from one insurer to another, he will need to pay lesser amount of money, if there was no claim made from the previous insurer. A no-claim bonus offered by the previous insurer will help him to get the best rated car insurance policy for his vehicle.
  • The car owner should also ask if any discount is offered by the chosen insurance company, to help him get the best affordable car insurance.