If you are like most people, the selection of your automobile insurance comes down to personal preferences and several variables. The biggest factor most consumers may take into consideration when choosing an insurance is the cost of the policy. Beyond everything else you want a policy that it’s going to give you the best coverage possible for the lowest price you can find. You will also want to look for policies that are tailored to your lifestyle. For instance, if you are a pretty good driver who has not had any traffic violations in the last five years or so, you have a lot of room to negotiate your way into a lower premium based on your Stellar driving record. Here you will find the top three insurance companies, and some of the reasons why USAA, the Hartford and Nationwide are ranked the best of the best in terms of customer satisfaction.
Top 3 Insurance Companies:
- USAA
- Liberty Mutual
- Progressive
USAA
USAA scored highly in a consumer satisfaction survey from JD Power with 895 out of a possible 950 points. One of the reasons USAA is hailed as the top insurance company is because of the high levels of customer satisfaction in regards to their settlements following accidents. USAA also has fewer customer complaints than its competitors. USAA is only available to those who are currently enlisted in the military, veterans, widows, widowers and family members of military personnel. If you qualify, you could take advantage of a host of benefits. USAA customers report they receive dedicated and personal service they can count on. USAA has ample amounts of agents who service their clients in brick-and-mortar establishments all over the United States. USAA offers its policyholders diverse policy options which can easily fit into anyone’s lifestyle.
Highlights:
- Highly rated by JD Power
- For military members and their extended families
- Online and branch locations
Liberty Mutual
Liberty Mutual was also ranked high on the JD Power consumer survey. Currently the company insures more than 1.5 million cars and is a staple in the world of insurance. The company was founded in 1912. According to the JD Power study, customers indicated that one of the best benefits offered by Liberty Mutual is the deductible fund. When customers add this feature to their policy they can reduce their deductibles by $100, and then continue to reduce their premiums by another hundred dollars each and every year. Liberty Mutual also offers 24-hour claim service, which customers also indicated as one of the best features offered by the company. Liberty Mutual is known for having some of the best standard coverage offered in the industry. Other notable features offered by Liberty Mutual Insurance include new car replacement, better car replacement, and accident forgiveness.
Highlights:
- In the industry since 1912
- Helpful 24-hour claim service
- Great base coverage policies
Progressive
Progressive gets lots of chatter because of all of their entertaining advertisements and commercials. However, there is more to Progressive than an entertaining front person and a host of catchy slogans. Progressive has been around a little over 70 years, and the company has become the third largest automobile insurance company in the country. The JD Power study revealed that Progressive is one of the most competitive companies in the industry in terms of pricing. Progressive has a solid online presence, which means that not only can you manage your insurance in person with an agent, you can also take care of your needs in the comfort of your own home or wherever else you may be. One of the easiest ways for customers of progressive to save on their premiums is to participate in their snapshot program. This program rewards customers for practicing good driving habits. All in all, Progressive makes it easy for their customers to take advantage of policy discounts as customers get discounts for maintaining continuous coverage, signing up for automatic payments through their bank accounts, and for families who have student drivers. Progressive even offers a good student discount.
Highlights:
- Third-largest auto insurance provider
- Great online interface
- Lots of policy discounts
Conclusion
No matter which company you choose to be your next insurer, you need to make sure that the company will fit into your lifestyle. If you are someone who is extremely busy it may be to your benefit to select a company that allows you to take care of your business with them via the internet. Also, if you’re someone who does a lot of traveling for work or for pleasure, you will need to make sure that your insurer covers rental cars, and any possessions that could be lost during a theft or accident.