Finding Auto Insurance Is Easy

Choosing the right car insurance policy can be a very frustrating and at often times, extremely confusing process. However, once you understand the general requirements for what your wanting to cover, the city and state you reside in, as well as your personal finances, getting a quote from companies becomes an important part of the whole "shopping" experience. The tips listed here will help make your searching and purchasing of your new car insurance a lot less troublesome.

The Cost of Your New Car Insurance
The process of buying a new car, although sometimes filled with a little trepidation, is exciting, nonetheless. In order to first shop smartly and make things easier on you before going into a insurance company to get the quote, you first must figure how much you can afford when it comes to an insurance policy; this can be done by yourself. When figuring out how much you can afford on a policy you will need to add your total expenses of the car. Add together the sticker price of your car, taxes on the car, how much it costs to maintain the vehicle, and how much you spend on gas to fill it up. Always keep in mind when looking for a good policy is the more you pay for your car the more insurance will cost you monthly.

A top-of-the-line, fully loaded car, or a high-end sports car, will cost more to insure than the normal looks- great-and-runs-fine car. Reason number 1 being that a luxury car has a higher chance of being stolen or vandalized in some way shape and form. Secondly, it costs a lot more to replace and maintain a luxury vehicle than an economy class vehicle. There are some vehicles that are exempt from this train of thought. Cars that are made by Volvo get a better discount on insurance policies since they do not draw much attention to themselves and, therefore, are less likely to become vandalized. Volvo cars are known to obtain less damage in collisions than other car models.

What Liability Coverage Means
Liability coverage will cover a certain dollar amount when it comes to a person's bodily harm as well as any property or vehicle damage that may occur during an accident. It is recommended that a person should have at least $100,000 per person and $300,000 to cover the vehicle and property damage. It is best to go with the largest amount of coverage, but always remember it is best to stay within your means. If you are going to lease a car, then you can be safe with just going with the least amount of coverage such as PLPD.

Collision and Comprehensive Coverage Explained
Kelly Blue Book establishes your cars worth, repair costs, and how much Collision and Comprehensive coverage is. What collision coverage will pay for in an accident typically includes any repairs and replacement costs on your vehicle. Comprehensive coverage will cover any damage from any acts of vandalism or even damages from an unlikely event caused by a volcano.

What Personal Injury Protection (PIP) and Uninsured Motorist Coverage Can Do for You
Personal Injury Protection covers any medical expenses that are caused when a person gets into a vehicular accident. Protection Injury Protection also extends to your family members even to other passengers in vehicles that were not found at fault. When a pedestrian is hit by a vehicle, then the holder of a Personal Injury Protection policy has to cover the injured person.

Underinsured Motorist Coverage covers anyone injured in a vehicle accident when either the person found at fault cannot or will not pay. This coverage also applies to hit-and-run accidents and covers the expenses incurred to a vehicle and any bodily harm.

Money Saving Tips When Buying New Car Insurance

Remember that you can be insured online as well as from business offline. Getting at least 3 -- 5 quotes will let you see what every company has to offer on average. Also keep these tips in mind when shopping around for the best insurance for you.

Check to see if the companies offer a replacement for "totaled" vehicles. Most companies now days have a service that will replace a "new" car that has been totaled in an accident with another car that is the same make and model. Companies will often times do this without charging a person for this service or the cost of the new car. A "New" car usually has less than 15,000 miles or if the accident occurs within the initial year of being purchased: whichever case comes first. Having added safety options on the car such as side-impact restrains, collapsible steering columns, extra interior padding, and anti-lock brakes.(Most cares have an ABS installed standard with their models.)

Get Your Full Claim Amount

Filing a claim on your auto insurance policy does not end with filling in the details. You need to do some homework to make sure you are satisfied with the decisions and actions of your insurance company when your vehicle has been damaged or stolen. With knowledge of your rights in this type of situation you may be able to negotiate a higher settlement than your company offers. At the same time, you need to be able to estimate in advance the costs you will incur by appealing any decision by your company, in case these costs are going to be more than the value of the settlement you would otherwise receive. In that case you would need to reconsider your strategy. Otherwise, if you are not happy with the terms offered to you, there are steps you can take to help yourself.

When your car has been stolen, or declared a total loss after an accident, you need to be especially vigilant to make sure you receive full value from your insurance company. Remembering that the claims adjuster you deal with has a responsibility to help save the insurance company as much money as possible, and may have an income based on performance, you should be aware that you will need to look after your own interests to ensure that you receive a fair value for the car you have lost. This means you need to do some research, thereby arming yourself with knowledge about car prices and appeals processes, before talking to the claims adjuster and deciding whether or not to accept the amount recommended.

If you are happy with the outcome after the claims adjuster has decided the value of your car, you can consider the issue has concluded satisfactorily. If, however, the value offered for your car does not seem to equal its worth, you should not feel this is the end of the matter. The research you have done should enable you to argue the case with some authority. Take, for example, a scenario where the claims adjuster declares your car a total loss and tells you it will be replaced with a car of equal value, estimated at $7000. If you believe the value of your car was higher than this, you will feel more confident about asking for a better quality car if you have first done some homework.

One of the easiest ways to get up to date information about the value of your car is to check newspaper advertisements. Take a note of the prices being asked for vehicles whose model year is the same as yours. Once you have obtained several prices, total them up and divide the total by the number of vehicles whose prices you have researched, thus arriving at the current average price for that particular model year. This will provide you with evidence of the replacement vehicle you can expect to receive. You can use this evidence to bolster your argument if the insurance company offers you a vehicle lower in value than this average.

You can also visit or call car dealers to obtain information about the average costs of vehicles similar to yours. You can also ask the insurance company for a list of the cars it considers equal in value to yours and from which it is offering your replacement. Before accepting any of those cars you should have them checked to find out information that may not have been included on the database used by the insurance company to find another car for you. You will need, for example, to make enquiries about such matters as whether the vehicle selected for you has exceptionally high mileage, whether it has a salvage title and whether it has been involved in an accident. If you receive an affirmative answer to any of these questions you can ask to have a better vehicle selected for your consideration.

If you are still not satisfied with the insurance company's offer, you have the option of hiring an independent adjuster, or even a third adjuster to help mediate. A compromise or agreement may result in you and the insurance company agreeing to split the difference between the company's estimate of the value of your car and your own estimate but, even if this is done, you may still lose out financially. Attorney Stephen Ryan, who has worked on such disputes for claimants, warns that as well as not receiving the complete replacement cost, a claimant will have costs such as hiring adjusters. On the other hand, you may be successful in winning a settlement that has a higher value than originally offered by your insurance company. While the overall process of negotiating a claim on your auto insurance policy is not easy, you have more chance of getting the full amount owed to you if you learn what is involved in the process and use your knowledge to work towards the best possible settlement for yourself.

Cheapest Car Insurance

he cheapest car insurance rates are available to you at InsuranceUSA with just a click of the mouse.

It’s probably already obvious to you that the cheapest car insurance rates can be found online. But rather than spending your valuable time searching the thousands of available sites, you can land the cheapest car insurance directly from InsuranceUSA. We network with only the top, reputable insurance companies in the market, thereby saving you both time and money. Once you input some basic data, within 5 minutes you’ll easily be able to compare the quotes you receive and decide which is the cheapest car insurance for you.

The cheapest car insurance does not necessarily mean substandard coverage. At InsuranceUSA we work hard to find you the coverage you need for the best rates available on the market. We want you to get good solid coverage with the cheapest car insurance rates available.

There are some actions that you can take that will make you attractive to the insurance companies. That is, by taking some of the steps outlined below, you could end up with the cheapest car insurance among your neighbors and friends.

Here are some things you can do to help ensure you obtain the cheapest car insurance:
Increase your deductible- by raising your deductible, you could lower your car insurance rates by as much as 40% getting you much closer to your goal of having the cheapest car insurance.

Avoid buying coverage you don’t need- you could reduce your car insurance rates by 50% if you opt to keep your coverage to a minimum. That is, there is no use being fully insured if it is not required by law.

Often the cheapest car insurance can be had when you add safety equipment such as car alarms and extra airbags. If you have extra safety equipment, make sure you ask if you are entitled to further discounts. Adding extra safety features to your car is not only good for the cheapest car insurance, but it’s also a sign of caring as these measures will reduce or prevent injury to yourself and your passengers.

Shop for the cheapest car insurance rates- This is where InsuranceUSA comes in very handy. We sift through the millions of providers out there to connect you with the top insurance companies who can give you the cheapest car insurance rates available for your needs in your area.

Take a driving safety course- Even if you think you don’t need one, a driving safety course is a great way to lower your car insurance rates. After all, car insurance companies love a safe driver and one way to prove your safe driving is to provide the insurance companies with a certificate from a course.

The length of your policy has some bearing on your eligibility for the cheapest car insurance. As you may know when you get a ticket or get into an accident, you will be faced with higher premiums when your policy renews. By having a longer policy length, you can avoid higher premiums for a number of months. During those months you can take measures that have been mentioned in this article to make sure you qualify for the cheapest car insurance. For example, taking a driving safety course may counter balance your accident. In short, choose longer policy terms.

Your marital status can play a role in whether or not you qualify for the cheapest car insurance. That is, if you are married, insurance companies are willing to bet you will be a safer driver than if you are single. If you’re engaged to that special someone, consider getting married before you purchase your insurance policy. The cheapest car insurance could be just an “I DO” away.

As you can see, there are many things you can do to help guarantee obtaining the cheapest car insurance available. Once you are ready to proceed, simply click into InsuranceUSA and fill out our form. There is no cost to you when seeking insurance quotes! To help ensure the cheapest car insurance rates, InsuranceUSA partners only with the most reputable insurance companies who have your best interest at heart. We do the leg work and then provide you with quotes from the top companies in the market. When you have a list of the various car insurance rates, you merely need to choose the ones that best fit your circumstances.

There is no waiting for the cheapest car insurance rates- get a quote within five minutes. For the best and cheapest car insurance rates, be sure to come to InsuranceUSA when you purchase a new or used vehicle. Also visit us to compare your current costs with the car insurance rates offered by InsuranceUSA- you will be glad you did!

Car Insurance Rates

Car insurance rates often seem off the charts, but that’s only for people who don’t know where to find good deals. You could spend hours and hours poring over the millions of ads on the internet offering a wide variety of car insurance rates, or you could take the simple route and come to InsuranceUSA. By simply answering a few basic questions, InsuranceUSA can direct you to the insurance agents that would best suit your needs. Because we only deal with the top rated car insurance companies, you can be sure you will receive the best car insurance rates available on the market. The best part about the whole thing is that quotes from InsuranceUSA are free!

Once you’ve found the low car insurance rates that you were searching for, you will want to make them even lower. InsuranceUSA understands how important it is for you to save money- especially in these times of financial unrest. For that reason we have compiled a list of tips to help you access the lowest car insurance rates you can find on the market:

Increase your deductible- by raising your deductible, you could lower your car insurance rates by as much as 40%.

Don’t buy coverage you don’t need- you could reduce your car insurance rates by 50% if you opt to keep your coverage to a minimum. That is, there is no use to be fully insured if it is not required of you by law.

Use your car less- The bottom line- if you don’t need to use your car, don’t. By walking or taking public transportation, most insurance companies will take that into consideration and lower your car insurance rates.

Shop for the best car insurance rates- This is where InsuranceUSA comes in very handy. We slough through the millions of providers out there to connect you with the top insurance providers who can give you the best car insurance rates available for your needs in your area.

Consider taking a safety course- Even if you think you don’t need one, taking a driving safety course is a great way to lower your car insurance rates. After all, car insurance companies love a safe driver and one way to prove your safe driving is to provide the insurance companies with a certificate from a course.

Install an alarm system- Installing a car alarm will not only deter potential thieves, but also having the device will be taken into consideration by insurance carriers when they are determining your car insurance rates.

To help lower car insurance rates, InsuranceUSA partners only with the most reputable insurance companies who have your best interest at heart. We do the leg work and then provide you with quotes from the top companies in the market. When you have a list of the various car insurance rates, you merely need to choose the ones that best fit your circumstances.

There is no waiting for your car insurance rates- get a quote within five minutes. For the best car insurance rates, be sure to come to InsuranceUSA when you purchase a new or used vehicle. Also visit us to compare your current costs with the car insurance rates offered by InsuranceUSA- you will be glad you did!

Cheap Car Insurance

With cheap car insurance available at the click of your mouse, paying too much for your vehicle insurance can become a thing of the past. While other forms of insurance (medical, for example) seem to be off the charts in terms of premiums, auto insurance seems to be getting more reasonable. Cheap car insurance is now the norm rather than the exception- you might want to compare what you are paying to what is currently available. Come to InsuranceUSA for your free quote today.

When comparing cheap car insurance to your current policy, one aspect you want to look at is your deductible. If your deductible is less than $500, you could be missing out on a considerable amount of savings. Almost all insurance providers- both cheap car insurance providers and the pricier ones- will cut their rates if you keep a high deductible; that way, should you have an accident, it will take some of the burden off the insurance companies and, averaged out annually, put some extra cash in your pocket. But don’t just go by this article- let InsuranceUSA provide you with a cheap car insurance quote today. It will cost you nothing for the quote, and you will be pleasantly surprised by the results!

Cheap car insurance can be more than just lower premiums. Each state requires a minimum amount of insurance coverage for your automobile- regardless of what type of vehicle you own. So you might be fooled in believing that to obtain cheap car insurance you need only meet the requirements of the state. But did you know that you may be able to find really cheap car insurance by combining more than one policy with the same provider?

That’s right. You also may be able to obtain cheap car insurance by combining it with other forms of insurance such as home, renters, or condo insurance. If you compare what you might have paid in premiums with the separate purchase of those policies with the premiums of combined insurance policies, you will be astounded at the massive premium savings. Now that could mean seriously cheap car insurance.

Here are some additional ideas for obtaining cheap car insurance:
Often cheap car insurance offers discounts for safety equipment such as car alarms and extra airbags. If you have extra safety equipment, make sure you ask if you are entitled to further discounts. Adding extra safety features to your car is not only good for cheap car insurance, but it’s also a sign of caring as these measures will reduce or prevent injury to yourself and your passengers.

Driving safety records can also make for cheap car insurance. In fact, if you take a driving safety course, most insurance companies will reduce your premiums even more. Search online for a course near you or call your local DMV- one course could be just the ticket to truly cheap car insurance.

Your marital status can also play a role in whether or not you qualify for cheap car insurance. That is, if you are married, insurance companies are willing to bet you will be a safer driver than if you are single. If you’re engaged to that special someone, consider getting married before you purchase your insurance policy. Cheap car insurance could be just an “I DO” away.

The length of your policy can also have some bearing on cheap car insurance. As you may know when you get a ticket or get into an accident, you will be faced with higher premiums when your policy renews. By having a longer policy length, you can avoid higher premiums for a number of months. During those months you can take measures to make sure you qualify for cheap car insurance mentioned in this article. For example, taking a driving safety course may counter balance your accident. In short, choose longer policy terms.

Finally, there can be a correlation between age and cheap car insurance. The older you are, the less likely you will be reckless behind the wheel. Most insurance companies draw the line at 30. If you are 30 or older, be sure to enquire about savings due you. If you aren’t 30, make sure you’ve done other things on this list to make you more eligible for cheap car insurance.

As you can see, there are many aspects for finding cheap car insurance. You just need to think outside the box. Of course, to get the cheap car insurance you need, you may want to shop around. On the web you will find thousands of offers dangled in front of you- so how can you choose? Let InsuranceUSA do the work for you. We are connected to thousands of professional insurance providers who can offer you the terms you deserve. With InsuranceUSA, cheap car insurance is just a click away.

Cheap Auto Insurance

Cheap auto insurance is not only possible, in these times of financial straits it’s a necessity. Cheap auto insurance is just that – insurance that is affordable. Everyone would like to be able to save money these days and one place many of us cut back on expenses is by purchasing cheap auto insurance. But, don’t let the phrase cheap auto insurance mislead you. The only thing cheap about it is the price!

This may take some shopping around and looking at different quotes, but there is cheap auto insurance that offers good quality for your money. The important thing to remember is to use a reputable, known insurance provider when you are shopping for cheap auto insurance. When you purchase cheap auto insurance from a solid insurance company, you can rest assured that you have good, basic coverage in case you need it.

The key to finding the best cheap auto insurance to cover your needs is to shop around as much as you can. Do not settle on the first quote you get for cheap auto insurance. You need to do your homework! You want to make sure that you find cheap auto insurance that offers the coverage you require and that will protect you when you need it the most.

The more you shop around and compare prices for cheap auto insurance, the better chance you will have of finding the right insurance that offers all the protection you want at a price you can afford. With so many auto insurance companies around these days, it can take a little bit of time to collect quotes from a large number of them. But, it really is important that you take the time to collect quotes and compare the coverage of each policy.

We all want cheap auto insurance, but don’t just settle on one because of the price. You want to make sure that whichever cheap auto insurance policy you decide on actually has all the benefits you need and want. Don’t shortchange yourself when shopping for cheap auto insurance!

After shopping around and comparing quotes from insurance companies, you will be able to make an informed decision. You want to make sure that you have solid, reliable cheap auto insurance that will be there if and when you need it, without any hassles. You want to know that a reputable company is behind you and your policy.

Contact insuranceusa.com today and let us help you begin collecting quotes so that you can examine each one carefully. Cheap auto insurance is out there, but it will take a little work to find the right fit for your needs, and your budget. Contact us now and get started on your way to having cheap auto insurance.

Watercraft (Boat & Jet Ski) Insurance

We make it easy

Whether you crave relaxed and leisurely sailing or feel the need for a little more speed, you need to be ready for the unexpected. That's why the USAA General Agency makes it easy to get the protection you need for your pleasure boat or personal watercraft.

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There when you need it

Hope for smooth sailing, but when events are beyond your control you'll be glad you opted for help from the company you trust.

• Protect yourself and your family from financial hardship if you become legally liable for a boating accident that results in injury, death or property damage.
• Get theft and physical damage coverage for your boat, Jet Ski, transport trailer and other marine equipment.

With the right coverage, you'll be back on the water more quickly after a covered event. Plus, you'll get the 24-hour claims service consistent with USAA standards.

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Choose USAA's General Agency and save

When you insure your pleasure boat or personal watercraft through USAA's General Agency you could qualify for multiple discounts if you are:

• An experienced operator.
• An operator with safety training.
• Insuring multiple watercraft under the same policy.

List of United States insurance companies

21st Century Insurance
AccuQuote
Alleghany Corporation
Allied Insurance
Allstate
American Automobile Association
American Family Insurance
American Income Life Insurance Company
American International Group (AIG)
American National Insurance Company
Amica Mutual Insurance
Aon Corporation
Assurant
Auto-Owners Insurance
AXA Equitable Life Insurance Company
Bankers Life & Casualty Company
Berkshire Hathaway
California Casualty
Capital Insurance Group
CNA Financial
Colonial Life & Accident Insurance Company
Commerce Insurance Group
Conseco
Country Financial
Chartis
Chubb Corp.
Encompass
Erie Insurance Group
Esurance
Everest Re Group
Evergreen USA RRG
Farmers Insurance Group
Federated Mutual Insurance Company
GAINSCO
GEICO
General Re
Genworth Financial
GMAC Insurance
Hanover Insurance
The Hartford
HCC Insurance Holdings
Hereford Insurance Company
Infinity Property & Casualty Corporation
International Fidelity Insurance Company
Jackson National Life
John Hancock Insurance
Kemper Insurance
lgap Insurance
Knights of Columbus Insurance
Liberty Mutual
Markel Corporation
Merchants Insurance Group
Mercury Insurance Group
MetLife
Mutual of America
Mutual of Omaha
Nationwide Mutual Insurance Company
New Jersey Manufacturers Insurance Company
New York Life Insurance Company
OneBeacon
Oxford Health Plans
Pacific Life
PEMCO
Penn Mutual
Primerica
Principal Financial Group
Progressive
Protective Life
Prudential Financial
The Regence Group
Reliance Insurance Company
Response Insurance
RLI Corp.
Safe Auto Insurance Company
Safeco
Safeway Insurance Group
Sentry Insurance
Selective Insurance
Shelter Insurance
Southern Aid and Insurance Company
Standard Insurance Company
State Farm Insurance
Swiss Re
Symetra
Tri-State Consumer Insurance Company
TIAA-CREF
The Travelers Companies
Uniguard – Headquarter in greater Seattle area
United Auto Insurance Company
Unitrin Direct Auto Insurance
Unum
Vantislife Insurance Company
USAA
Wawanesa Insurance USA (CA and OR)
Wells Fargo
West Coast Life
Western Mutual Insurance Group
Western & Southern Financial Group
Westfield Insurance
Western Reserve Life Insurance Company
White Mountains Insurance Group
Annuity
Main article: Life annuity
Allstate
American Family Insurance
American Fidelity Assurance
Amica Mutual Insurance
Aviva
AXA Equitable Life Insurance Company
Bankers Life and Casualty
Conseco
Farmers Insurance Group
Fidelity
Genworth Financial
ING Group
Jackson National Life
John Hancock Insurance
MetLife
Mutual of Omaha
Nationwide Mutual Insurance Company
Old Mutual
Pacific Life
Protective Life
Prudential Financial
Standard Insurance Company
State Farm Insurance
Thrivent Financial for Lutherans
TIAA-CREF
Transamerica Corporation
UNIFI Companies
United of Omaha
Western & Southern Financial Group
Health insurance (major medical insurance)
Main articles: Health insurance and Health insurance in the United States
AARP
Aetna
American Family Insurance
American National Insurance Company
Amerigroup
Anthem Blue Cross and Blue Shield
Assurant
Blue Cross and Blue Shield Association
Celtic Insurance Company, subsidiary of Centene Corporation
Centene Corporation
Cigna
Coventry Health Care
EmblemHealth
Fortis
Golden Rule Insurance Company
Group Health Cooperative
GHI
Health Net
HealthMarkets
HealthSpring
Highmark
Humana
Independence Blue Cross
Kaiser Permanente
LifeWise Health Plan of Oregon
Medical Mutual of Ohio
Molina Healthcare
Premera Blue Cross
Principal Financial Group
The Regence Group
Shelter Insurance
Thrivent Financial for Lutherans
UnitedHealth Group
Unitrin
Universal American Corporation
WellCare Health Plans
WellPoint
Medicare
Main article: Medicare (United States)
Aetna
American Family Insurance
Bankers Life and Casualty
Conseco
Mutual of Omaha
Premera Blue Cross
Thrivent Financial for Lutherans
Supplemental insurance
Aflac
Allstate
American Fidelity Assurance
Colonial Life & Accident Insurance Company
Conseco
Liberty National Life Insurance Company
Mutual of Omaha
Supplemental health insurance
Allstate
MEGA Life and Health Insurance
State Farm Insurance
Travel insurance
Main article: Travel insurance
Access America, a brand of Mondial Assistance Group
InsureMyTrip
International Medical Group
Seven Corners, Inc.
Travel Guard
Usa-Assist Worldwide Protection
Workers’ compensation
Main article: Workers’ compensation
American International Group (AIG)
Erie Insurance Group
Hanover Insurance
The Hartford
Liberty Mutual
Merchants Insurance Group
Missouri Employers Mutual
Nationwide Mutual Insurance Company
Penn National Insurance
Sentry Insurance
State Accident Insurance Fund
State Farm Insurance
WellPoint
Zenith Insurance Company

Great Savings and Discount

In most states, here are ways you could save by switching to USAA Auto Insurance.

Driver Discounts	Membership Savings	Vehicle Discounts
Safe Driver Maintain a good driving record for more than five years.4 Defensive Driving Beef up your defensive driving skills with an approved course to qualify.10 Driver Training Complete a basic driver training course and get a discount.11 Good Student Turn your child's good grades into savings.5	Loyal Member Stick with USAA for your ongoing automobile insurance coverage. Multiple Products Maximize your auto insurance savings when you buy multiple USAA products.2 Family Discounts Continue the USAA auto coverage tradition that your parents started and save up to 10% on your policy.12	New Vehicles Insure a vehicle that's three years old or newer.13 Annual Mileage Receive a discount based on the number of miles you drive in a year.14 Multiple Vehicle Extend your USAA coverage to two or more vehicles and save.15 Storage Insure your stored vehicle with USAA and get a discount on your premium of up to 80%.16

Best Car Insurance Companies

Knowing you have selected a good car insurance company is peace of mind you will want to have before you get in an accident, have your car stolen, or encounter any number of situations that involve you having to make a claim. You don't want to find out too late that your car insurance provider isn't up to par.

This list contains the top ten best auto insurance companies based on affordability, value of services, and responsiveness. Because, after all, what good is having a rock bottom rate if you don't get enough in return or can't get the help you need when you need it.
Don't agree with the list? Vote for an existing item you think should be ranked higher or if you are a logged in, add a new item for others to vote on or create your own version of this list.

1 Geico

+11Switched from Allstate after 24 1/2 year and Saved $600.00 every 6 months. Was paying $1298 and now $698. 10 and now I'm switching home insurance also. Thank You GEICO for SAVING me $1200 a year on my AUTO.

+10I love GEICO, they have EXCELLENT customer service!!! They are always great, they're always so personal, they are always there to help all day and night and weekends and you don't have to worry about someone being on vacation or sick because there's always more and great agents there to help. Plus they work with other outside companies and you can get discounts other places just for being with them. I just wanted to say I think GEICO is worth calling and getting a quote if you don't already have a policy.

+6I just switched to Geico because of these comments. I thought the whole, "save you more money," marketing was just a gimmick, but I really did save money. My bill has gone down! I'm paying less for 2 vehicles than I was for 1 vehicle with another provider, same features! I spoke with 3 different people, and all of them were great, and personable. I didn't feel like just another number. Awesome rates, awesome service. Highly recommended.

2Esurance

+6Thanks Esurance for the savings, Progressive wanted
$900.00 6 months and 21st wanted $1100.00 and ESURANCE
$525.00 what more can I say!

+3I was tired of my insurance payments going up and up and up, so thought it was time to start shopping for new insurance. I had tried over the Internet before but hadn't a clue what I was doing, so I just gave up. I had my previous insurance elsewhere and came to find out I was paying way, way too much. I am saving $750. 00 a year by switching to Esurance! I could not believe it! I immediately started the process of switching, and I am now a new Esurance customer and a very happy one! Today, I received my policy and cards via email just as promised and am glad I switched!

+2Simple, easy to use online interface with little or no lag time. You can change your policy and pay bills in literally seconds. 5/5 stars for convenience alone. Competitive rates too.

3Liberty Mutual

I am a 40 year customer. They are personal, competitively priced, and are quick and professional wiht price. Sometimes they try to raise prices at renewal time if you don't stay on top of your policy.

Great customer service, good rates, except their RV insurance is quite high.

I have been with Liberty Mutual for 11 years and have always found their customer service to be exceptional.

4State Farm

+4Never in my life have I ever had a problem with state farm. My family and I have been there with them for 50 years. Are the premiums high? I have been self employed for quite a few years. If you want me, you will pay a premium for that due to the service you get. State Farm rates are in with the rest, but my agent Kelly Langen is the best and I would never change for lousey service to save a buck!

+4I love State Farm, they handle all my ins. My car, car loan, my Apt. , and my health ins. My old car loan charged me a lot for gap insurance, my SF car loan gives me gap insurance for free, I saved money when I refinance my car with SF. My old insurance was more money, and my coverages where less. My agent explained what I had, and I picked better coverages and pay less. I also like their website. Nice being able to talk to real people 24/7, even in late at night, m and I am traveling, and in other time zones. Great service.

+3A company can't stay number one in business unless the people in the company do what they promise. I have always been delivered more than promised by my State Farm Agent. No one asks how much they were paying when one has a claim. Price becomes pretty subjective. How fast and fair claim is handled matters the most when one has a loss.

5Allstate

+1I love Allstate my agent is Great! Allstate is the best. Having an agent right down the steet that I can stop in and talk to when ever I have a question really makes a difference.

+1Immediate accident forgiveness and real agents-not lizards nor 800 numbers.

+1I received a quote within minutes online and it was much lower than Geico, Progressive, State Farm, Nationwide and Safeco auto insurance companies. With the promise to keep me insured with their "no insurance hike up when getting into an accident", I will definitely continue to be an Allstate customer. I believe that I am in better hands than all the rest.

6Progressive

+1Progressive was very user friendly! I was amazed how easy it was to do this online. The monthly premium we are now paying is excellent! I regret not looking at this company sooner. The representative I spoke to to was also very helpful.

+1Progressive makes your claim service as easy as it can be. They take the stress out of dealing with the whole situation. I am so happy they are my insurance company! My co-workers are as impressed with Progressive as I am, now that they are seeing how Progressive is handling my claim.

+1there service and willingness to help resolve a cliant problem goes above and beyond the normal call of duty.

7 AAA

+4The most feared by other insurance companies. With AAA, nobody messes with you.

+1I just finished up a auto claim with AAA. I had used AAA for my first car years ago, but switched to geico and then state farm since I had to be insured on a college student budget.

Post grad I moved back to AAA when I was making higher income. The past weekend was the first time I've had to actually invoke my car insurance coverage due to a hit on run on my car while parked.

The response time, courteousness and professionalism shown by the AAA agent was amazing.

I intend to stay with AAA for many, many years to come. Thumbs up.

+1Courteous, professional service every time I have called with a question or concern.

8 21st Century Insurance

+2Great customer service... and everyone gets the free roadside assistance. best so far

+2The quote I received was LESS than the rate I was paying through Allstate WITH my multi-policy discount.

+1First of all it beats all of the companies in the top, also love the commercials where the guy does crazy things. I know that's not relevant but its one of the factors, and you save a lot.

9 Nationwide

+1Ridiculous that this very old and conservative company is listed 9 under the we don't pay anything Allstate and 21st Century. What could people be thinking?

+1Nationwide fights hard to beat other insurance companie's rates! They are truely on your side and I am very satisfied with my policy :) Join Nationwide toady and save!

+1first class claim service all the way around.

10 USAA

+1I have been with USAA for 22 years and my father has been with them for 40 years. They have the best rates of all the insurance company's by far. I have had other insurance company's contact me to change to their company, but when I told them I was with USAA they said they coudn't touch their rates.

USAA is easy to deal with, responsive, available, capable, conscientious and affordable.

Best rates in the market. Superior customer service. Awesome roadside assistance. Easy to use website! The best insurance ever

Experience the advantages of USAA auto insurance

• Exceptional service. USAA was rated among the highest in customer experience in a survey conducted by Forrester Research, Inc.
• Easy access. Manage your policy, get a quote, request auto ID cards and more — online or from a mobile device.
• USAA Roadside Assistance. We'll be there for you in any vehicle you drive — for towing, gas delivery, tire replacement and more.
• Award–winning claims service. We can help you get guaranteed repairs at more than 2,300 USAA–approved locations nationwide.
• USAA Auto Circle™. Find, finance and insure your next vehicle in one place. Save up to $4,573 off MSRP and get industry-leading loans and insurance from USAA.
• Guaranteed renewal. You get continuous auto coverage as long as you are able to drive and meet some basic requirements. Switch to USAA and count on us for the long haul.

Looking for Low-Cost Auto Insurance? You've Found It!

USA Insurance Company offers affordable auto insurance options with low monthly rates and low down payments. We have many insurance options available and our professional agents will help you find coverage that fits your needs and your budget.
Why choose us?

• The lowest cost in the area
• Low down payments
• Low monthly rates
• Military and civilian plans
• Young driver coverage
• No previous insurance requirements  

Call USA Insurance Company at (888) 563-7488 today!
With seven offices ranging from the coast up to Hattiesburg, you're never too far from our helpful insurance agents for auto insurance and more!
Call USA Insurance Company at (888) 563-7488 today for a quote. You won’t be disappointed!

21st Century Insurance

21st Century Insurance is a company that was registered on the New York Stock Exchange, and has been providing direct to the consumer personal auto insurance. 21st Century Insurance policies cover over 1.5 million vehicles in California and eight other Western, Southwestern, eastern and mid western states. In the state of California, 21st Century Insurance is considered to be seventh largest personal auto insurance company, that provides different kinds of insurance for automobile, motorcycle and personal umbrella insurance. Customer services are excellent and customers can purchase insurance service of their policy, all through the year through the 24-hours service. We believe that we deliver superior policy features, and also superior customer service at very competitive prices Towards the end of the year 2004, this group had an amount of $1.3 billion in the net premiums written, and $1.4 billion in assets, that totals $1.9 billion.

21st Century Insurance Story
The founder of 21st Century Insurance was Louis W.Foster, who founded the company in the year 1958, with the help of his experience of 20 years as an independent agent. An inter-insurance exchange is quite similar to a cooperative, where most of the policyholders try to insure the losses of the other policyholders. It was in the year 1968, a decision was made to convert the inter insurance exchange to the stock. It was the federal government who had minimized the tax for the advantages, and then the California Department of Insurance raised its capital and stock requirements. It was one of the most unique annals in the business of California. The profits that resulted on the use of this exchange were considered for measuring the amount of equity of the policy holders, where were entitled to the new company.$2 million were written on behalf of the company, in the year 1969, and $ 5 million was reached in the year 1972, and then $10 million in the year 1975.The company soon grew, and in a few years the company moved to Century City, in order to accommodate the ever increasing staff and number of policies. This was in the year 1980 that the company moved to its current headquarters, in Woodland hills. 21st Century Insurance has always seen its rapid growth, and expanded to many areas such as Arizonia, Washington, Georgia, Pennsylvania.Today the company is said to be employing more than 2500 employees and occupies a 11 storey headquarters building in Woodland Hills. The company also has 14 service offices, along with 9 drive in claim centers and 5 vehicle inspection centers.

21st Century Insurance In The Community
21st Century Insurance has always been involved with community development, and over 5 years time, the employees had managed to raise $1.8 million towards the United Way Campaigns. In the year 2003, there was $3 million in the form of donation to the Union Rescue Mission. This donation was made on behalf of the company as well as its founder. It was the 1996, that 21 st Century played a major role as a sponsor in order to create Los Angeles Police Academy Magnet School Program. 21st Century Insurance has also joined hands with California Missions Foundation, in order to increase awareness. In the previous poster competition was organized for the students, in which more than 400 students participated. The poster contest was entitled “A Day in the Life of a Mission”. Besides all these, 21st Century Insurance has always been involved in providing financial support to numerous causes. Last year there was another development, when there was a joint venture with California Highway Patrol, in order to promote child safety seat and conducted many kinds of community events, through different parts of California’s we celebrate our 45th anniversary, we are proudly honoring the tradition that is set by our founder, Louis W.Foster, in 1958.

Credit Affects Your Insurance

The fact that credit history influences the chances of getting approved for a loan
is common knowledge, but most people are unaware their credit score determines how
much they pay for insurance. In many cases, insurance companies do not properly
disclose these tactics and individuals are notified after their insurance rate has
increased.

Take the example of Mathew Williams from New York. He was notified by his insurance
company that his annual premium would be increased by $628 based on his recent credit
score. Matt moved fast to check his credit report online and found his credit score
had fallen from 680 to 540, a drastic decrease. He had recently been in a car accident
and numerous unpaid medical bills were left on his credit. So not only did he eventually
have to pay these medical bills, Matt was forced to pay the higher insurance premiums.

A credit score can range between 300 (lowest) and 850 (highest). Theoretically it can
be 900 but that's rare. Credit scores ranging 600-650 are considered fair and over
700 is pretty good.

Why is an individual's credit score used by insurance companies to determine rates?
The insurance companies evaluate risk and then reward customers who are less likely to
incur losses with lower premiums. The best way to do this is by using the credit scores
reported by the credit unions to determine if the applicant is responsible. It is
important to realize your credit score affects the cost of your insurance premiums.
Insurance companies are looking at the credit report to measure insurance risk rather
than credit-worthiness.

An insurance research firm found out that 92% of the top 100 auto insurance companies
in the country use credit data when underwriting new policies. These factors which are
considered by insurance companies that are relevant to calculating risk include,
bankruptcies, judgments, collections and delinquencies. The different number and the
types of credit accounts a customer has and the length of account history are also
considered. Insurance companies say that credit scores are justified to correlate a
low credit score with increased risk. According to studies, people who fail to pay
their bills are more likely to file a claim.

Today, more than 90% percent of auto insurance companies nationwide use credit scores
as a means of deciding rates. A large number of home insurance companies are slated
to follow the same standard. Currently, California and Maryland are the only states
that prohibit credit-based insurance scoring.

The laws and regulations that govern insurance are decided at the state level. This
means that your place of residence actually determines what information companies
gather and how they can use it, to assess insurance risk. It is important to be
focused on removing the negative points from your credit report to increase chances
of receiving lower insurance rates. Insurance Policyholders are classified as
preferred, average or high-risk. This classification has a considerable impact on
what rate an insurance company charges you.

Tips to avoid low credit scores

• Keep an updated list of all accounts, due dates, balances and credit limits
  (automate your bill paying process).
  
• Pay bills as soon as they arrive (as many as 100 points can be deducted per default).
  
• Keep an eye on all accounts carefully (keep balances low and spend around 1/3rd
  of your credit limit).
  
• Minimize credit card applications (avoid unnecessary credit).
  
• Check your credit report at least once a year.

Usa Auto Insurance - Free Quotes!

Comparing Coverage Online

Smart shoppers are discovering that they can save up to 50% on auto insurance by comparing online before committing to a coverage provider.
Shopping for insurance online has become common because it makes it simple to shop around for the best price. You can compare top insurance carriers online or over the phone, with knowledgeable agents, and save hundreds more on your coverage.
Comparing insurance quotes is fast and convenient. Spending a few minutes on your computer gives you a list of quotes that would take hours to collect if you were talking to individual brokers in person. In a matter of minutes, you can easily collect all the information you need to choose the right policy at the right price.
You can choose a plan at your own pace. If you're confused about your options, qualified agents will be glad to help walk you through plans that are right for you and your budget.
Whether you're the type of person who makes quick decisions about car insurance or someone who wants to know as much as possible before making the important purchase, our site can meet your needs.
The information you provide to get your quote is secure. Insurance companies are very serious about online security, and they invest a great deal in protecting your information from hackers.
Complete a simple form, which describes the coverage you are looking for, and then speak to a helpful representative who can answer any questions about your coverage. You can receive a quote and start saving instantly. There’s no surprise that a growing number of consumers are choosing to compare automobile insurance online. Save more on your coverage today.

Low Rates from $29 / month

You can find huge automobile insurance discounts with ease. Know where to look and start saving instantly. Here are different ways to help you get the cheapest auto insurance online:

• Survival of the Fittest - The insurance business is very competitive, and everyone wants your business. Most companies are willing to give you a discount if you switch to their coverage. You might even be able to use a competitor’s offer to bargain down what you pay with your current insurer.
• Location Location Location - Insurance rates will vary depending on where you may be looking. If you live in a city, you likely will pay more than a suburb because your risk of getting in an accident is greater due to more traffic. Consider looking beyond where you live to get better rates.
• New Perks - Buying a new car? If you're insuring a new automobile, then you will pay less for a year or two of coverage. Many people aren't aware of the discounted rates of new car insurance, and actually believe insurance costs are higher, but new cars cost less to insure.
• One Stop Shop - If you have more than one insurance policy with a company you may be eligible for a significant discount. Consider putting your automobile and home insurance with the same company to get a nice discount.

Compare fast FREE auto insurance quotes and save hundreds on your car insurance!

Van Insurance

Many businesses, including florists, couriers, caterers, electricians, plumbers, and many more, use vans as their means to their livelihood. That’s why it is so important to have proper van insurance coverage.
Van insurance protects you against financial calamity should you or one of your employees cause bodily or property damage to another person. You might also consider physical damage to protect your van in case it is damaged in an accident. Just make sure you carry enough coverage so repairs and replacement costs don’t erode your bottom line.

If you are an independent contractor and you use your van for deliveries or service calls, your employer’s insurance might cover the cargo you transport. In addition they may be able to cover you with liability insurance under their commercial policy, especially if they have an Any Auto policy.

You should check with your employer and verify what is and isn’t covered. Consider your own van insurance policy if you are only covered by your employer when you are making deliveries or performing service calls. Most van policies cover all types such as cargo, delivery, company/fleet, minivans, passenger, wheelchair, and step vans as well as Sprinter trucks.

Here at InsuranceUSA.com you can build your plan to fit your specific van insurance needs. We stand ready to provide van insurance quotes to you any time, 24/7. There’s no obligation and once you receive your quote, you are free to compare it to other polices so you can decide which policy is best for you and your budget.

Commercial Car Insurance

For small business owners who use a vehicle to transport products or people, haul equipment, or similar needs, a high-liability commercial insurance policy is likely the best option for protecting their investment.
Whether it is theft, vandalism, property damage, liability, or you need to cover employees or protect yourself against business interruptions, commercial car insurance is a valuable resource to have. If you own and operate a business and you don’t have commercial car insurance, you are putting your enterprise at great risk of losing money and even assets if you are sued due to an accident wherein you or one of your employees is found at-fault.

It doesn’t matter what kind of business you own or the type of vehicles you operate, InsuranceUSA.com has you covered. Most commercial car insurance policies cover a vast variety of vehicle and trailers including, but not limited to box, dump, catering, refrigerated, and bucket trucks as well as flatbed, tanker, concessions, and logging trailers, plus many more! All you need to do is inquire with a commercial car insurance company as to whether they cover your type of vehicle.

Here at InsuranceUSA.com you can build your plan to fit your specific commercial car insurance needs. We stand ready to provide commercial car insurance quotes to you any time, 24/7. There’s no obligation and once you receive your quote, you are free to compare it to other polices so you can decide which policy is best for you and your budget.

Motorcycle Insurance

While motorcycles remain less expensive than cars, the one crucial expense you don’t want to overlook is motorcycle insurance.
Motorcycle insurance can be found for almost all types of bikes such as scooters, moped, touring bikes, ATVs, snowmobiles, golf carts, motocross, trikes or other factory-built two and three-wheeled vehicles.

Motorcycles are cheaper to maintain than cars and they are more fuel efficient but motorcycle insurance can be tricky and you should be able to make informed decisions about your policy.

Motorcycle insurance typically has many options for riders and their bikes. Policies can usually be customized with varying levels and types of coverage including liability, total loss coverage, uninsured/underinsured bodily injury, trip interruption, medical payments, roadside assistance, comprehensive and collision, and more.

Here at InsuranceUSA.com you can build your plan to fit your specific motorcycle insurance needs. We stand ready to provide motorcycle insurance quotes to you any time, 24/7. There’s no obligation and once you receive your quote, you are free to compare it to other polices so you can decide which policy is best for you and your budget.

Car Insurance

One of the most important responsibilities of owning a vehicle is car insurance. All states require you have some way of proving you are financially responsible should you be found at fault in an accident. More than likely, you will required by law to at least carry your state’s minimum requirement of liability coverage.
You might think that with most states mandating minimum liability coverage that everyone would be insured, but many drivers don’t have any proof of financial responsibility. Suffice to say, without car insurance, you leave yourself open to lawsuits and possible financial ruin. Moreover, not having any or enough liability coverage is a huge legal risk that can bring about hefty fines and even jail time.

If you need to insure your vehicle or are looking to change insurance providers for some reason, you may feel intimidated by the maze of insurance choices out there. InsuranceUSA.com is designed to help you draw a straight line to a selection of car insurance quotes that make sense for you and your particular situation.

When shopping for insurance quotes, knowing exactly what kind of coverage you need is perhaps the most difficult part of the process. InsuranceUSA.com guides you with information and access to fast, free quotes 24/7 so the process of covering your vehicle is convenient and hassle-free.

We lay out everything you need to know about what kind of coverage you absolutely need and how much. We also explain other types of coverage you can purchase comprehensive, collision, uninsured/underinsured, and more. There’s also useful information on discounts you can obtain to lower your premiums and save you money.

By supplying some basic information such as your vehicle’s specifics, driving history, desired coverage, and more, we can easily and conveniently provide you with a number of quotes specifically tailored for you.

So what are you waiting for? Using InsuranceUSA.com means you could save considerably on car insurance and gain peace-of-mind knowing you and your vehicle are protected!