Which company has the best car insurance?
According to Forbes Advisor’s analysis, Geico, Nationwide, Travelers and USAA have the best car insurance.
These companies score the highest based on low rates, coverage selections, collision repair, complaints and website readability.
How can I find the best price on car insurance?
The key to finding a good deal is to get car insurance quotes from multiple companies. That’s the only way you’ll know what companies are going to charge and which companies are coming in with the lowest rates.
Another good savings strategy is to bundle auto insurance with another policy, such as homeowners or renters insurance. Buying more than one policy from the same company typically results in a decent discount.
What car insurance discounts should I look for?
Discounts on vehicle safety equipment, such as airbags, are easy to get. Make sure to get a bundling discount by buying from the same company if you need more than one type of insurance policy.
Good driver car insurance discounts are common. If you have a teen or young adult driver, you may be able to get a good student discount. And you may be able to get a small discount for things you would do anyway, like going paperless by receiving insurance bills and policies electronically.
What types of car insurance are required?
Most states (except New Hampshire and Virginia) require liability auto insurance to pay for damage and injuries you cause to others.
Many states also require uninsured motorist coverage. This does not pay out to other motorists. It pays for medical bills to you and your passengers if you’re hit by someone who doesn’t have auto insurance—or not enough.
And states that have a no-fault car insurance system require that car owners buy personal injury protection (PIP). PIP pays your medical bills no matter who caused the accident.