Alyssa Lane
Car insurance apps are a convenient way to manage your policy, pay bills, file claims, and access support from anywhere. The best car insurance apps offer a range of features, including policy management, claims filing, digital ID cards, roadside assistance, and more. When choosing a car insurance app, it's important to consider not only the functionality but also the coverage options, rates, and customer feedback. In this article, we will review some of the top-rated car insurance apps and discuss their features, ease of use, and customer satisfaction. We will also explore the benefits of using car insurance apps and how they can enhance your overall experience as a policyholder.
What You'll Learn
Ability to access auto insurance ID cards
Accessing your auto insurance ID card from your phone is crucial. It can be stressful if you get pulled over by the police and are unable to find your insurance ID card, or even worse, get fined for not being able to produce proof of insurance. Therefore, it is important to be able to access your insurance ID card from your phone.
Progressive allows you to access your insurance card and coverage information 24/7 by calling or logging in online. You can also access your proof of insurance card on your phone through the mobile app. Progressive also sends new and renewing customers proof of insurance in the mail, unless you are a paperless customer. In that case, you can print out a copy of your ID card when you access it online.
Nationwide offers 24/7 access to your auto insurance ID card online or via the Nationwide Mobile app. You can download a PDF copy of your ID card from their website or app. You can also save your ID card to your Apple Wallet.
Allstate's mobile app allows customers to do many things, including paying bills, getting roadside assistance, submitting claims, and finding an agent. You can also view your documents if needed.
Geico's mobile app covers all the bases for going paperless and making claims. It also has features to help keep you happy on the road, such as a gas finder, parking locator, and notifications for vehicle recalls and service reminders.
USAA's mobile app allows users to digitally access their auto ID card, request roadside assistance, and file an insurance claim.
State Farm's mobile app allows drivers to view and manage their insurance policies and other assets, pay their insurance bill, view their auto insurance ID card, access coverage details, file a claim, and track its status, and request roadside assistance.
Travelers' mobile app lets policyholders view and download auto insurance ID cards, make payments or enrol in autopay, access detailed insurance policy information, file insurance claims, call roadside assistance, and speak with a claims professional.
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Ability to view insurance policies
The ability to view insurance policies is an important feature of a mobile auto insurance app. While you may only need to refer to your insurance policy in times of trouble, having easy access to your latest policy is crucial in times of need. Here are some auto insurance apps that offer the ability to view insurance policies:
State Farm
State Farm's mobile app is rated as one of the highest-scoring apps in the Apple App Store and Google Play Store. The app allows customers to manage their accounts, request roadside assistance, file claims, access auto insurance ID cards, and upload photos and documents during the claims process. In addition to auto insurance, the app also allows users to control their home, renter's, and condo owner's insurance. State Farm's Drive Safe & Save telematics program requires a separate app to record trips and access driving feedback.
GEICO
GEICO's mobile app is feature-rich and highly rated by millions of users. It offers quick access to virtual insurance ID cards, in-app bill payment services, and a virtual assistant to answer policy questions. The app also includes car care notifications to remind users when it's time to service their vehicle. However, the app can only be used by those with an active auto or motorcycle policy, despite GEICO offering other types of insurance. The DriveEasy Pro app, which is a separate app, is required for those enrolled in GEICO's DriveEasy telematics program.
Liberty Mutual
The Liberty Mutual app allows users to pay bills, update billing information, manage claims, store insurance ID cards, request roadside assistance, and view policy details. The app's Express Estimate feature provides repair estimates based on photos uploaded by the user. A notable feature of this app is that users enrolled in the RightTrack telematics program can track their driving performance and receive scores directly in the app without needing to download a separate app.
Allstate
The Allstate Mobile app is one of the most popular car insurance apps, offering a wide range of features. In addition to allowing users to pay bills, get roadside assistance, and submit claims, the app also includes a parking locator, a gas finder, and the Digital Locker feature for creating a home inventory. Allstate's Drivewise system, which gives good drivers the chance to lower their rates, has been integrated into the official mobile app. However, the merge is still in progress and may have some bugs.
Progressive
The Progressive app enables drivers to view coverages and policy details, pay bills, view and save ID cards, report claims, and request roadside assistance. Progressive does not store any personal information, and the app encrypts and discards data once submitted. However, users enrolled in the Progressive Snapshot telematics program will need to download a separate app to access their driving performance details and tips.
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Ability to file claims
The ability to file claims digitally is a crucial feature of a good car insurance mobile app. This saves time and reduces the hassle of having to call in a claim. Here are some examples of car insurance apps that offer this feature:
Allstate
The Allstate Mobile app allows customers to submit claims through their QuickFoto Claim system. The app also offers other useful features such as a parking locator, a gas finder, and the ability to view your documents.
Esurance Mobile
The Esurance Mobile app allows users to file a claim, as well as update their payment method and send photos for claims. However, the app has a history of being buggy, and the company is still working out some of the kinks.
Geico
Geico's app offers the ability to file claims, as well as other basic features such as paying your bill, viewing documents, and editing your policy. The app is simple to use and has received positive reviews for its functionality.
State Farm
The State Farm app enables drivers to file a claim and track its status. Additionally, users can pay their insurance bill, view their auto insurance ID card, and access coverage details. The app has received high ratings from customers on both Google Play and the Apple App Store.
Travelers
The Travelers mobile app allows policyholders to file insurance claims, in addition to viewing and downloading auto insurance ID cards, making payments, and accessing policy coverage information. The app has received exceptional ratings on the Apple App Store but only average scores on Google Play.
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Track claim status
Tracking the status of your claim is an essential feature of auto insurance apps. Here are some details about how this feature works in different apps:
State Farm
State Farm's mobile app allows users to file a claim and track its status. It also offers other features like paying insurance bills, accessing coverage details, and requesting roadside assistance. The app has received high ratings from customers on both Google Play and the Apple App Store. However, some features, such as using Siri for in-app actions, are exclusive to the iOS version.
Erie Insurance
Erie Insurance's mobile app enables customers to check their insurance claim status, in addition to viewing and downloading policy documents, saving and sharing documents, and managing payments. While the app doesn't have the highest ratings, most reviewers say it performs well.
Geico
Geico's mobile app allows users to file claims, access virtual insurance ID cards, pay bills, and make policy changes. It also includes a virtual assistant to answer policy questions and car care notifications. The app has received high ratings from millions of reviews on the Apple Store and Google Play. However, there have been some complaints about the app draining the phone's battery.
Allstate
The Allstate mobile app is highly rated for its ease of use and convenient features, including account management and claim filing. It also offers additional features such as the Drivewise system, which allows good drivers to lower their rates, and a parking locator and gas finder. However, there have been reports of glitches and bugs in the app.
Progressive
The Progressive app provides comprehensive features for policy management, including claim filing. It also allows users to edit their policies, view documents, and manage other Progressive insurance accounts. While the app has its ups and downs, it is still considered one of the more solid car insurance apps.
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Upload photos and/or documents for claims
When it comes to auto insurance mobile apps, uploading photos and documents for claims is a crucial feature. This capability accelerates the claims process, saving you time and hassle. Here are four paragraphs detailing how different auto insurance apps perform in this area:
Allstate Mobile App
The Allstate Mobile app is one of the most popular choices among customers. It enables users to perform various tasks, including paying bills, requesting roadside assistance, and submitting claims through their QuickFoto Claim system. The app also includes a parking locator and a gas finder. Allstate's Digital Locker feature is particularly useful for creating a home inventory, which can be essential in the event of a disaster such as a fire or tornado. The ability to upload photos and documents for claims makes the claims process more efficient.
Geico Mobile App
Geico's mobile app is highly regarded for its simplicity and ease of use. It covers the basics, allowing users to pay bills, view documents, and edit policies. Additionally, the app includes a chat service for customer support, access to roadside assistance, and the capability to file claims. Geico's app also offers augmented reality features through Geico Explore, which helps users discover their surroundings by pinpointing restaurants, attractions, and their parked car. Users can upload photos and documents to support their claims, making the process more convenient.
State Farm Pocket Agent App
State Farm's Pocket Agent app stands out for its attractive design and ease of use. It covers the essentials, including bill payments, claim filing, viewing documents, and requesting roadside assistance. The app also allows users to control their auto, homeowner's, renter's, and condo owner's insurance policies. Additionally, the app has banking features, such as depositing checks. State Farm's app enables users to upload photos and documents related to accidents, streamlining the claims process and providing a more seamless experience for its customers.
Esurance Mobile App
Esurance Mobile is an up-and-coming app that offers basic functionality. Users can pay bills, view documents, access roadside assistance, and quickly view policy information. One of its standout features is the ability to file claims and send photos for those claims. This capability speeds up the claims process and makes it more convenient for users. However, the app has a history of being buggy, and the developers are still working out some issues.
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Frequently asked questions
Geico, Progressive, and Allstate are the providers with the best auto insurance apps, with high ratings on app stores, a user-friendly interface, and comprehensive features.
The best auto insurance apps have features such as policy management, claims filing, digital ID cards, roadside assistance, and customer support.
Auto insurance apps offer convenience and efficiency, allowing users to manage their policies, file claims, access policy information, and get roadside assistance from their mobile devices.
Auto insurance apps allow users to log in to their accounts, view and update policy details, make payments, file claims, and access customer support.
Root is a good choice for safe drivers as it sets insurance rates based on driving behavior. Geico and Progressive also have apps that track driving habits and offer discounts for safe driving.
