What are the best car insurance companies in usa

For all car owners, auto insurance is necessary. However, with so many car insurance companies out there today, investing in the right one can be a daunting task. The good news is that if you know what to consider when looking for the right provider, and most importantly you do you homework on each auto insurance company, you’ll have no trouble finding the best deal for you.

What are the best car insurance companies in America

First and foremost, you need to know the basics of auto insurance. Most companies offer accident forgiveness, uninsured or under insured motorists coverage, and medical payments in the event of an accident. With medical payments, you are covered wherever you are even if it’s out of state. Medical payment up to your coverage limit also travels with your vehicle no matter who was driving your car.

Top Insurance Providers

When it comes to finding the best insurance provider, it’s important to know which will offer the best deal for your situation. We offer comprehensive guides that compare a number of different auto insurance companies. The top three auto insurance companies are State Farm, Allstate and Geico. Allstate and Geico rate average with third party claims while State Farm comes in above most other competitors. State Farm offers the good student discount and two different safe driver incentives. Geico boasts electronic billing and fast returns on claims. Allstate is known for its “claim satisfaction guarantee.” From satisfaction with claims to potential perks and incentives offered, finding a company that meets your specific needs is the key.

Insurance Alternatives

When it comes to insurance, sometimes bigger isn’t always better. There are many small and medium sized companies that may not be known for their witty commercials or household name, but they offer insurance at the same rates, or lower, with the addition of added customer service. To small companies, you’re no longer just a name and registered license plate. You may even benefit from personalized service, depending on your specific circumstance.

List of Car Insurance Companies in the U.S.

21st Century Auto Insurance

21st Century is proud to serve all of their customers from right here in America, and guarantee that any call made to them regarding your auto policy will be answered by a representative in the United States. Should a claim arise, 21st Century offers a flexible repair policy where you pick the repair shop of your choice. Their network of over 10,700 claims professionals are ready to help you and offer fast, hassle-free service.

In today’s modern world, they understand that 9-5 doesn’t fit most people’s lives anymore. That’s why policyholders get their own self-service portal, which is available 24/7, 365 days a year. In the portal, you can add or change drivers, e-sign your documents, enroll in automatic payments, and more.

21st Century Insurance has been saving their customers money on auto insurance for nearly 60 years, with an average annual savings of over $303 (average annual savings developed from information provided by new policyholders from 5/1/16 – 5/1/17 that shows they saved when switching to 21st Century Auto Insurance).

Policyholders can service their policy by downloading the 21st Century free mobile app. You can also view your policy information, pay a bill, and report a claim. With the 21st mobile app, you can view your ID card on your smartphone.

You can choose to add roadside assistance and rental reimbursement to your policy as an extra. 21st also offers the Guaranteed Repair Program, consisting of more than 2,200 repair shops nationwide to ensure quick and quality service. Repairs at these shops are even guaranteed for as long as you own the car.

21st Century Discounts:

Multi-car: discounts available averaging 15%
Superior driver: A clean driving record for 4 years could get you a 10% discount and five clean years could save you 20%
Anti-Theft: If your car is eligible, you could save up to 15%

Good student: College students under 25 with B grades or better may qualify for 15% off their premium
Senior: Drivers over 55 years old can save by completing a state-recognized defensive driving course

21st Century Customer Reviews:

“21st is an auto insurance company that cares about their customer. They are very helpful and knowledgeable, and can answer all of your questions securely and professionally.”
Charlie

“I was able to chat online with a customer service representative when I had a quick question. After signing up online I was able to print my insurance cards and my policy took effect that same night.”
Jennifer

“They have been amazing. There is very little wait time and I can speak to a representative quickly.”
Caitlin

Acuity Insurance Company

Acuity has been focused on providing the protection people need for over 90 years. Their knowledgeable employees are eager to help, and take the time to understand your insurance needs. At Acuity, they protect the people and things you care about, so that you can achieve peace of mind and Achieve Total Acuity.

With a network of over 25,000 independent agents, you’re never far from a local advisor who can lend a helping hand. Plus, Acuity provides same-day meaningful claims contact 24/7, 365 days a year. When you’re on the go, you can download Acuity’s free mobile app. You can make a payment, report a claim, find a repair shop and even display your ID card.

Acuity offers optional replacement cost coverage which means if your car is in an accident and is a total loss, Acuity will replace it with a brand new car. Policyholders can also add towing and labor coverage which includes free roadside assistance. With Acuity, customers are rewarded for being safe and responsible. If your car has crash prevention features, such as automatic braking or a rear camera, Acuity will reduce your premium. You can also get a discount if you’ve taken an accident prevention course or are incident free.

Acuity takes their employee happiness seriously. For them, happy employees lead to happy customers. Ranked as 2nd best place to work in the entire US, it’s renown that Acuity employees don’t work in an average office. Employee benefits include free exercise classes, ping pong tables and even a rock climbing wall. More importantly with extremely low turn-over, the people at Acuity are knowledgeable, empowered and happy to serve their customers.

Acuity’s Available Discounts:

Multi-car: Insure more than one car with
Acuity and save

Good student: If you have a high GPA and still go to school, this is an easy discount
Safe drivers: Do you have a claim-free record? Then you can save on your premium

Low mileage: If you use your car less, you can now pay less too
Safety car equipment: Do you have air bags or a ABS? Then you could save easy
Homeowners: If you own your home or apartment, then you could earn a discount

Acuity Customer Reviews:

“We were thoroughly impressed with the process, from start to finish. We’ve been with Acuity for many years, and continue to be impressed with their service in every way.”
Rebecca

“Wonderful! Quick, easy, and friendly help when you need it!”
Melissa

“Agents are excellent to work with – friendly, compassionate and professional. Acuity was easy to work with, settled our claims quickly – gave us peace of mind, knowing we were in good hands and they were there as new issues were discovered.”
Thomas

Amica Mutual Insurance

For more than a century, Amica Mutual Insurance has worked hard to keep its promises to generations of loyal policyholders. The company – which opened its doors in 1907 with one small office and two clerks in Providence, Rhode Island – now has 44 offices and 3,700 employees across the country. The corporate headquarters is located in Lincoln, Rhode Island.

From the beginning, Amica sought to treat policyholders with respect by providing them with the best possible customer service. By continuing to instill this founding principle in all employees, they have created a culture of customer care that has earned national recognition for its superior service standards. However, the true measure of the company’s service continues to be the emails, phone calls and letters from satisfied policyholders.

They have thousands of policyholders who have relied on them for decades for their insurance needs, and this loyalty is reflected in the company’s high retention rates. Ask an Amica customer what makes this company different, and you’ll hear a variety of answers, such as its consultative approach, knowledgeable representatives and detail-oriented support.

From policy updates to prompt and fair payment of claims, Amica employees deliver on the company’s mission statement: to create peace of mind and build enduring relationships. As a mutual insurer, they are directly responsible to its policyholders, who have ownership in the company. And as a direct writer, Amica customers deal directly with the company’s employees – there are no agents.

A mobile-friendly website and 24/7 telephone service make it easy to connect directly with Amica service representatives. In a world full of uncertainty, customers know that they are financially strong and here for the long term.

Amica Mutual Insurance’s Discounts:

Paid in full: Choose to make a one-time payment instead of monthly payments and save
Homeowners: If you’re lucky enough to own your own home, then you could get a discount
Auto-pay: Set yourself up automatic monthly payments and get an easy discount
Anti-theft devices: If your car has an alarm or tracker, you could save

Safe Driver: If you’re claim free, Amica want to reward you with lower premiums
Vehicle safety: Air bags? ABS? Choosing safety gets you savings
Good Student: Get rewarded for staying in school and having a high GPA
Multi-car: Insure more than one car with Amica and get a quick discount

Amica Mutual Insurance Customer Reviews:

“Amica has always been courteous and professional when I have needed to call their toll free number for customer service.”
Dave

“I remember getting into my first auto accidental and Amica was the company who handled my claim. Everything was done so quickly and efficiently – it was as if the accident never even happened.”
Nick

“The representatives are always friendly, knowledgeable and thorough whenever I’ve had to call about a question or to file a claim.”
Lee

“It was so easy to switch! I got the best deal out of all the companies that I researched, blowing away the ‘mainstream’ and TV companies. We did everything online. Amica is the company I recommend for ease, helpfulness, cost and coverage.”
Chris

Why choose Amica Mutual Insurance?

Amica Mutual Insurance has a wide range of customizable coverages
Comprehensive coverage tailored to your budget and lifestyle
High marks for financial strength and outstanding customer satisfaction year after year

Did you know...?

Amica’s name stands for Automobile Mutual Insurance Company of America
Whether you contact them by telephone, email or mail, you’ll work directly with an Amica representative
They offer several payment options to make bill paying quick and easy