Amica has the second highest J.D Power satisfaction rating. What’s more, the company doesn’t have any restrictions on which auto body shop you can use for repairs. It also offers the largest array of coverage options which includes GAP insurance and interior vehicle coverage which isn’t offered by most insurers.
The Hartford is the only auto insurer that offers mechanical breakdown coverage. This means that the policy covers the cost of mechanical repairs that aren’t included in your vehicle’s warranty. In addition to its solid coverage, the company has an amazing selection of policy benefits just to sweeten the pot. For instance, if you travel frequently, you’ll appreciate their towing and roadside assistance programs.
Geico is the second-largest second-tier insurance provider in the US. They offer competitive rates with lots of discounts to boot. A few of these include vehicle equipment discounts, multi-vehicle discounts as well as the very popular driving history discounts. Active and retired military servicemen also benefit from additional savings opportunities from the company.
USAA’s sterling reputation makes it one of the 3 highest-rated auto insurers in the US. The only con would be that it is reserved for active military servicemen, veterans and their immediate families. They offer a perfect policy purchasing experience and boast rock-solid financial stability.
Erie Insurance consistently receives high ratings from J.D Power and Consumer Reports. Its only downside is its limited availability. So if you live in the South or Midwest regions of the country, it’s definitely worth checking out. The beauty about it is that the company locks in your auto insurance rate so you don’t have to worry about escalating premiums. Unless, of course, you’re changing your car.
State Farm’s rental car coverage, as well as its travel expenses coverage, is second to none. In the event that you’re involved in a collision accident, the company not only pays for a rental car but if you get stranded more than 50miles away from home they foot all your meal, lodging, and transportation bills.
Nationwide offers customers a discount of up to 40% on premiums just for driving safe. They plug a SmartRide device to your car’s diagnostic port to track your driving habits. They then use that data to determine the discount rate you qualify for.
Auto-Owners Insurance is all about promoting customer relationships. It uses an agent-only model which is a great choice for those who prefer dealing with a human being. It is available in 26 South and the Midwest States.
American Family has a solid financial foundation so you don’t have to worry about them not honoring your claim. It offers lots of discounts and a convenient online bill paying and claims filing system. What’s more, with the MyAmFam mobile app, you can track claims and check your policy details on your mobile device.
With its 24-hour claims service, Liberty Mutual was ranked “better than most” in the Local Agents and Policy Offerings categories of J.D Power’s 2018 Insurance Shopping Survey. Aside from its standard coverage customers benefit from the Accident Forgiveness option when you’re involved in your first accident.
