OUR TOP 2020

AUTO INSURANCE LENDER  

 REVIEWS

Listed below in order are our favorite auto insurance companies with a full review of each.  Reading these reviews will help you understand how we came to this conclusion.

#1

Progressive

Our top recomendation for 2020.

  • NCombine your auto with your home policy and see signifcant savings
  • NGet additional discounts with Multi Car, Safe Driver, E-sign, and choosing to pay in full.
  • NClaims service available 24 hours a day.

#2

American Family Insurance

  • NCombine your auto with your home policy and see signifcant savings
  • NGet additional discounts with Multi Car, Safe Driver, E-sign, and choosing to pay in full.
  • NClaims service available 24 hours a day.

#3

Liberty Mutual

  • NCombine your auto with your home policy and see signifcant savings
  • NGet additional discounts with Multi Car, Safe Driver, E-sign, and choosing to pay in full.
  • NClaims service available 24 hours a day.

#4

GEICO

  • NCombine your auto with your home policy and see signifcant savings
  • NGet additional discounts with Multi Car, Safe Driver, E-sign, and choosing to pay in full.
  • NClaims service available 24 hours a day.

#5

FARMERS

  • NCombine your auto with your home policy and see signifcant savings
  • NGet additional discounts with Multi Car, Safe Driver, E-sign, and choosing to pay in full.
  • NClaims service available 24 hours a day.

#6

ALL STATE

  • NCombine your auto with your home policy and see signifcant savings
  • NGet additional discounts with Multi Car, Safe Driver, E-sign, and choosing to pay in full.
  • NClaims service available 24 hours a day.

#7

STATE FARM

  • NCombine your auto with your home policy and see signifcant savings
  • NGet additional discounts with Multi Car, Safe Driver, E-sign, and choosing to pay in full.
  • NClaims service available 24 hours a day.

Our Step By Step Guide – When Shopping for a New Auto Insurance Policy

We recommend shopping your car insurance policy every couple of years. In all but 10 states the Auto Insurance rates have increased this year.  Follow these steps.

1. Get Your Quotes

Once you have a list of candidates culled from the ratings above, you’ll want to start getting quotes.

This typically takes around 15 minutes on the phone or online for each insurer. Have your most recent policy in front of you in case any questions come up about the make and model of your vehicle(s) and your current coverage.

Working with an insurance broker is another option. You can get multiple quotes, and you’ll have access to all the insurers the broker does business with. It’s an easy one-stop-shop that still gives you the flexibility of comparison pricing.

Your third option is let us to the work for you.  Simple become a Consumer Reviews 2.0 Member and answer the Auto Insurance Questions and we will do all the shopping comparing for you.

2. Compare Quotes

Once you get the quotes, it’s time to compare them. Each quote should be based on the same amount of coverage so you can do an apples-to-apples comparison.

One word of advice: If you own a home, have money in savings, etc., you definitely want more than the state minimums for liability. Why? Because that one time you hit a car in your blind spot (or whatever the case may be), you can have serious exposure for liability.

If you have no substantial assets and you rent a home rather than owning, then the state minimum level of coverage is acceptable.

If you’re really price-sensitive and find that all the top-tier insurers are too expensive for your budget, you still have a couple of options:

  1. Raise your deductible.
  2. Consider dropping comprehensive and collision coverage on older vehicles

It’s often good to take as high a deductible as you’re allowed (usually $1,000) if you have a loan on your car.

Having a higher deductible will usually stop you from making small claims. That’s good because those claims can drive your rate up!

Meanwhile, when the cost of comp and collision exceeds 10% of your vehicle’s value, that’s the time to dump it and carry only liability coverage. You can determine your vehicle’s value at Edmunds.com, KBB.com or NADA.com.

3. Don’t Forget to Ask About Discounts!

There are discounts available for a lot of different things. Here are some you can ask about:

  • Anti-theft devices
  • Multiple policies with the same company
  • College students living away from home
  • Defensive driving courses
  • Drivers ed courses
  • Low annual mileage
  • Long-time customer
  • More than one car
  • No accidents in three years
  • No moving violations in three years
  • Student drivers with good grades

4. Final Thought

The decision on buying auto insurance comes down to more than just price. You’ve also got to consider customer satisfaction and complaints and a company’s reputation for making its customers whole — which is the point of insurance in the first place.

“Sometimes you’re better off paying a little more to be with a quality insurer who will be there when the chips are down,” Clark says.

Need Help ?  Let us do the work and help you make the right decision

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Become a member and provide us with your car insurance details.  This will assign your request to one of our mortgage experts who will review your loan, research to find the best offer for your situation, and provide you our best recommendation.

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