Smaller Auto Insurance AgenciesJune 6, 2023
Large carriers often command higher premiums due to brand recognition and advertising budgets; however, smaller insurers may provide more affordable pricing and local agents.
Some of the top car insurers excel at customer service and offering digital tools such as an app for managing policy details. USAA tops our list for these attributes; 69% of policyholders who have never filed a claim say they are very likely to renew their policy coverage with them.
GEICO is one of the largest auto insurers in America, known for its low rates and user-friendly website. Customers can also call in for quick quotes over the phone. In addition, home and life policies from GEICO offer potential savings with bundling; their homeowners policy received high customer ratings in The Zebra’s 2021 survey.
Since GEICO first unveiled their logo in 1936, the iconic wordmark with gray triangles at either end has undergone numerous modifications and now features vibrant orange and blue colors instead.
GEICO stands out with outstanding customer service, and its mobile app for filing claims and viewing policy details has received high marks from consumers. A Berkshire Hathaway subsidiary since 1986, they currently insure over 30 million vehicles with customer satisfaction rates among the highest in their industry.
Allstate is one of the leading providers of personal insurance in the US. Offering home, auto and life policies through independent agents nationwide. In addition, it sells retirement planning calculators and debt management services. Established since 1931 and boasting an A+ rating from both Better Business Bureau and global credit agency AM Best, Allstate boasts one of the strongest reputations among personal insurers today.
Allstate provides its car insurance policyholders with numerous advantages, such as new car replacement, accident forgiveness and roadside assistance. Allstate also offers two usage-based programs designed to track driving behaviors for potential discounts; Drivewise rewards good behavior with reduced premium rates while Milewise pays you every time you don’t drive.
Overall, Allstate earned an outstanding 4.5 rating from NerdWallet’s ranking. Their rates tend to be higher than both State Farm and USAA but lower than average among large insurers.
State Farm was established in 1922 and today stands as one of the nation’s largest auto insurers with an extensive network of local agents and a variety of coverage options. Their premiums are well below average for full coverage auto insurance policies, while offering various discounts that help save you money. State Farm also provides additional services like roadside assistance and travel expense coverage in case of accidents – two invaluable extra services.
State Farm stands out with superior customer satisfaction ratings and claims service speeds that rival those of larger insurers. Their complaint index also showed fewer complaints than expected given their size; additionally they hold an A++ rating from AM Best which indicates their financial strength.
State Farm makes shopping online car insurance easy with their user-friendly website and mobile app that allow users to make payments and file claims. They also offer many special features, such as bundling policies together and getting discounts for being an experienced driver.
USAA Insurance Group primarily provides car and homeowner coverage to current and former military personnel, in addition to offering credit cards, banking services, mutual funds, travel agency services and retirement communities. Headquartered in San Antonio Texas with over 4,000 employees employed, its services cover automobiles and homeowners insurance for military personnel worldwide.
USAA was originally created as a mutual association to provide automobile and home insurance to military officers who relocate frequently, quickly becoming one of the industry leaders with over 2.5 million members today.
USAA is member-owned and does not report to shareholders. With excellent customer service ratings from JD Power and industry benchmarks, USAA stands out.
The company uses data to enhance member experiences, using telematics to track how and when you drive your car and providing discounts based on safe driving habits.