Paul Sanchez
Auto insurance companies are giving rebates to their customers in the form of discounts, refunds, and other perks. Some of the companies that are giving rebates include:
- USAA
- Amica
- Progressive
- Geico
- Erie Insurance
- Nationwide
- State Farm
- Liberty Mutual
- Allstate
- American Family
- Auto-Owners
- Travelers
- NJM Insurance Group
- The Automobile Club Group (AAA)
- The Hartford
| Characteristics | Values |
|---|---|
| Company Name | USAA |
| Company Name | Erie Insurance |
| Company Name | Progressive |
| Company Name | Geico |
| Company Name | Amica |
| Company Name | State Farm |
| Company Name | Auto-Owners |
| Company Name | NJM |
| Company Name | Nationwide |
| Company Name | Travelers |
What You'll Learn
USAA: Best Military Car Insurance
USAA is a highly-rated auto insurance company that offers coverage exclusively to military members, veterans, and their families. It has a high customer satisfaction rating and offers a range of discounts, including:
- Military on-base discount
- Good student discount
- Clean driving record discount
- Safe driver discount
- Defensive driver training discount
- Newer vehicle discount
- Anti-theft devices discount
- Deployment/storing discount
- Driving less discount
- Loyal member discount
- Multi-vehicle discount
- MyUSAA Legacy discount
USAA also offers a discount of up to 60% for military members who store their car while deployed and up to 15% for those who garage their cars on a base.
USAA has some of the lowest average rates for car insurance, especially for senior drivers. It also offers competitive rates for motorists with all types of driving records and varying ages.
In addition to auto insurance, USAA provides other financial solutions, such as banking and investment products. It has a robust digital presence, including a mobile app, and is available in all 50 states and Washington, D.C.
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Erie Insurance: Best Liability Car Insurance
Erie Insurance is a great option for liability car insurance, offering a host of benefits and add-ons to its customers. Here are some reasons why Erie Insurance is a top choice for liability car insurance:
Coverage Options:
Erie Insurance provides all the standard types of car insurance, including liability insurance, which is required in nearly every state. Liability insurance protects you when you are responsible for an accident that injures other people or damages someone's property.
Competitive Pricing:
Erie Insurance stands out for its competitive pricing. A minimum-liability plan costs $655 per year or $55 per month on average, while a full-coverage policy costs $1,894 per year or $158 per month on average. These rates are significantly below the national average, making Erie one of the most affordable options in the market.
Discounts:
Erie Insurance offers a range of discounts to help reduce your premium further. For example, they provide discounts for young drivers, safe drivers, car safety equipment, reduced usage, and annual payments. One of their most notable discounts is the multi-policy discount, where you can save up to 25% when you bundle home and auto coverage.
Customer Satisfaction:
Erie Insurance has a strong customer satisfaction rating, with over 90% of customers staying with them year after year. They have also received positive reviews for their strong customer service and affordable coverage.
Additional Benefits:
Erie Insurance offers benefits that go beyond standard liability coverage. Their auto policy includes perks such as coverage for pet injuries, roadside assistance, personal item coverage, and locksmith services.
Availability:
It's important to note that Erie Insurance is currently available in 12 states and Washington, D.C.: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.
In summary, Erie Insurance is an excellent choice for liability car insurance due to its competitive pricing, range of discounts, strong customer satisfaction, and additional benefits. If you reside in one of the states where Erie Insurance is available, it is definitely worth considering for your liability car insurance needs.
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State Farm: Best Car Insurance Customer Service
State Farm is one of the largest auto insurers in the nation, with high marks for claims handling and customer service. It has a large network of local agents, a highly-rated mobile app, and is a good choice if you prefer to manage your insurance policies online. State Farm has a strong customer satisfaction rating, with 55% of those surveyed saying they were completely satisfied with the company's customer service. State Farm also has a good rating for the ease of contacting customer service, with 55% describing themselves as completely satisfied.
State Farm offers a range of insurance products at affordable rates, including auto, home, renters, condo, and life insurance. The company provides a dedicated agent for every policy, and additional savings are available for customers with other State Farm insurance products. State Farm also offers various discounts and savings opportunities, such as the Drive Safe & Save® program, which offers savings of up to 30% based on driving habits, and the Steer Clear® program, which offers savings of up to 20% for safe-driving young adults.
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Liberty Mutual: Best Car Insurance For Young Drivers
Liberty Mutual has been in the insurance business for over 100 years, and they offer affordable car insurance for teens and young drivers under 25. They have several auto insurance discounts available for young drivers, and their rates decrease incrementally with each new year of driving experience up to age 25, assuming a good driving record.
Liberty Mutual offers the New Teen Driver Discount, which offers a discount when you add a new teenage driver to your policy within the past year. They also offer the Teen Driving Program Discount, which is a discount given to drivers under the age of 21 for completing a qualified program. Liberty Mutual also provides a Good Student Discount for students under the age of 25 who achieve at least a B average.
In addition to these discounts, Liberty Mutual offers a Multi-Car Discount, which can help offset the costs of adding a new driver to an existing policy. They also recommend choosing a higher deductible to lower your premium and monthly payment. Their RightTrack program rewards good driving behaviour and can save you up to 30% on your policy.
Liberty Mutual is rated "A" (Excellent) for financial stability by A.M. Best Company, and they have a mobile app that allows you to easily manage your insurance.
Overall, Liberty Mutual is a great option for young drivers looking for affordable car insurance with a variety of discounts and coverage options.
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Allstate: Best Industry Reputation
Allstate is the fourth-largest car insurance provider in the US and has a positive industry reputation, scoring well on surveys related to claim services. However, it falls short in terms of customer satisfaction and affordability. Allstate's average rates are higher than the national average and tend to be more expensive than its competitors, such as State Farm and Geico.
Allstate's full-coverage car insurance costs $2,598 per year, while its liability coverage is $854 per year. These rates are significantly higher than the national averages, making Allstate a less attractive option for budget-conscious drivers. The company's rates for teen drivers are particularly high and can be more than four times the national average.
Despite its high rates, Allstate does offer several discounts to make its policies more affordable. These include multiple policy discounts, new car discounts, smart student discounts, military discounts, and safe driving discounts. Additionally, Allstate offers usage-based insurance programs, such as Drivewise and Milewise, which provide opportunities for drivers to save money.
Allstate's strengths lie in its industry reputation and claims service. It has a wide range of coverage options, including liability, comprehensive, collision, and uninsured and underinsured motorist coverage. The company also provides additional resources for car owners, such as tools to help with vehicle maintenance and informative articles.
In summary, while Allstate may not be the most affordable option, its positive industry reputation, comprehensive coverage options, and focus on claims service make it a solid choice for drivers seeking a reliable and reputable insurance provider. Allstate's discounts and usage-based programs can also help mitigate the higher costs associated with its policies.
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Frequently asked questions
The best auto insurance companies for customer service are USAA, Amica, and State Farm. USAA is only available to military members, veterans, and their families, but Amica and State Farm are available to the general public.
The best auto insurance companies for discounts are Amica, Geico, and State Farm. Amica offers the most discounts, but Geico and State Farm also offer a long list of ways to save.
The best auto insurance company for high-risk drivers is Progressive. Progressive has options for drivers with speeding tickets, accidents, DUIs, and other infractions.
The best auto insurance company for young drivers is Liberty Mutual. Liberty Mutual has great car insurance for young drivers, with plenty of discount programs to help offset the typically higher costs for this age group.
