Car insurance is something which you need on an immediate basis as soon as you get the keys of your beloved car. Getting a good deal for car insurance is equally important as getting a good deal of car. Once you know that you have opted for a good and cheap car insurance deal with a good company you have great sleep at night as you know your car is safe against theft, accidents or any other situation like it. You might take out hours of plenty of your days in finding out the cheapest car as per your budget, but equal importance should also be given in seeking a worthy, affordable and customized car insurance policy as per your needs and requirements.
Factors To Keep In Mind While Choosing A Car Insurance Company
There are various things you should keep in mind before choosing upon the car insurance company more than that it offers cheap policy.
- Make sure what you wish from your policy
- Jot down the points like what coverage and requirements you want from your policy.
- Also, keep a good focus and do a needful research on how is the customer service at the company, as that is very much important to know.
- Finally, choose upon the company which offers you a great insurance policy at affordable rates and dedicated customer service agents.
- Compare policy rates and its offerings
- Short-list few companies on the basis of your budget and needs.
- Do compare the rates of all the companies you have in your list, also look for some special discount schemes they offer.
- Also, take advice of your friends and families before choosing one.
- Check financial ability of the company
- It is very necessary that the company you are opting for should have a good stability in its financial record and a good-will in the state.
- There are various websites where you can check for the reliability of the company, the most trustworthy can be your state department’s insurance website.
- Look for all details on it including the number of customer’s complains they have.
Who Has The Cheapest Car Insurance?
In spite of knowing the major factors to keep in mind while buying a car insurance policy, we still have a major worry on the top of our mind and that is who has the cheapest car insurance or where can you find the cheapest car insurance. So, let us see few car insurance companies, who top the chart in the US based on factors like affordability, reliability, prompt services and customer satisfaction. Listed below is the list of 10 cheapest and reliably valued car insurance companies.
1. Liberty Mutual
- This is considered as the cheapest car insurance provider as according to the customers the most valuable thing they found in the liberty mutual is they do not hike their prices every quarter like other firms.
- They also offer various discounts and have special discount schemes for multiple car insurances, bundled policy, group savings and many more.
- The company is also ranked high in customer satisfaction as it offers great claim coverage with prompt action.
- Highly valued in price v/s services offered, this is second on the list.
- Esurance provides insurance policies in as low as $1000 a year, which is really half a price as compared to other auto insurance providers.
- It is highly valued for its easy and user friendly website where customer can pay bills, change his policies or even get to know about other schemes and discounts in seconds.
3. State Farm
- This company offers its insurance not only to cars, but also to houses and people, hence you can have a good deal by choosing this for all your other insurance too.
- Being the largest insurance company in the US, it still gives a prompt and gentle reply to its customers scoring high in its customer service.
- They have their expertise in handling superior claims and offering varieties of claiming options to its customers.
4. All State
- They also are into auto as well as renters and hence clubbing the two or more insurance can gain you benefits.
- All state provides a personalize service to its customers and also accompanies them to law suit to file claims.
- They have a large agent network and thus can be a opted for its customized and personalized services.
5. The Hartford
- They are one of the largest insurance providers of the US, which is even ranked high for its financial ratings as well as stability.
- They offer varied coverage option and policies and are affordable with high in price v/s value.
- They also have a customer friendly app which is really beneficial to its customers.
- Progressive also offers various insurance policies for car to home to boats and commercial vehicles.
- They provides hassle free services to their customers as the agents are mostly local and they even can help you in getting a right repair shop for your auto damages.
- They offer wide discounts on various schemes and insurances so you can study their website for saving a lot of your money by understanding different policies offered.
- GIECO also offers discounts if you club two or more insurance for your cars.
- Existing customers recommends it for its really affordable policies and its customer friendly agents who stands with the customer even on holidays and vacation when needed.
- They also have various schemes which can avail you benefits on your gas by giving you insight on real time gas prices at various fuel stations.
8. Nation Wide
- It provides you all your claims and the policies are quite affordable.
- Few customers claim of saving as high as $200-$300 a year as compared to other companies.
- However, there are various incidents suggesting that few customers are not happy with their coverage of insurance.
- AAA is not necessarily very cheap but still on the list due to various factors like their prompt reply and professionalism.
- It also has good reputation in settling the claims and giving better coverage.
- This is a real good insurance company of the nation which is highly recommended for its price v/s value ratio.
- It is also well-known for its high coverage of claims.
- However, it is solely for the militants and army officers and their family members.
Thus, be very specific in letting your company know your exact needs and budget and they will give you the best deals. Compare all the prices and choose the best insurance company for you, the life will be easy post that.