The car insurance comparison chart below shows some of the top US car insurance companies and ratings announced on August 3, 2010 by J.D. Power & Associates. We also have dedicated car insurance reviews on most all car insurance companies nationwide to help you make an educated decision on your next provider. Remember to always learn about car insurance discounts, understand the elements of auto insurance coverage – especially GAP insurance and ask friends and family referrals. Pay particular attention to recommendations by people who have filed a claim as these are the moments when a car insurance company’s customer service and promises are best put to a test.
Its important to note that USAA was not included in the report as it is only open to military personnel and families therefore defined as an exclusive club however USAA’s ranking outweighed all of the companies in this years JD Powers car insurance company awards with the sole exception of the Amica Insurance Group who was highest in customer satisfaction for the 11th year in a row.
|Contacting the Insurer||Policy
|Automobile Club of Southern California (ACSC)||
|Automobile Club Group (ACG)|
|California State Automobile Association (CSAA)|
Key Factors to Consider when Shopping for Car Insurance
Policy premiums are only one element of car insurance comparison. Before Choosing a final provider to protect you and your family always consider factors such as online claims handling, hours of operation, the availability of a local agent, industry ratings from companies such as A.M. Best and J.D. Power & Associates, personal recommendations by current customers, methods of payment and more. Sometime the cheapest car insurance policy is not always the most reliable.
Ready to compare car insurance companies online – Use our National Database to find local providers and GET Free Car Insurance Quotes online.]]>
Car insurance comparison becomes much easier when there is a simple system to follow. And one of the best ways to do it is by doing a zip code search. This type of search will produce results that are applicable to you – insurance companies that provide service where you are. But doing this kind of search is not easy – defining the search parameters to be sure you get the results you want is tough. And when you do get results and contact the companies for quotes, you are still left with the problem of how to compare the car insurance quotes you receive. A solution is at hand. Websites that offer zip code based searches for insurance quotes that are applicable to you and then provide a detailed comparison procedure make life simple.
All you need to do is:
Even though you are not required to provide any sensitive information online, a good website will guarantee the confidentiality of all the information you give them.
That’s it. Just click on the “Finished” or equivalent button and you will receive a number of quotes that are within the parameters you specified from insurers who operate in your area. But that’s only step one. You can now go on to the comparison option where the key issues in the quotes you have received will be compared for you in a simple and easy to understand format. It takes just a few minutes to do a complete the car insurance comparison and know exactly what each quote offers you not just in terms of price but also in terms of features and options. Making your decision on which quote to accept is easy.
A recent study has shown that price is a major deciding factor for most car insurance buyers. And while cost may be a key issue, comparing car insurance quotes only on this basis can lead to choosing the wrong type of policy or being under insured – things which can have devastating consequence later on should you need to file a claim. Zip code based online searching and car insurance comparison means that you will be able to evaluate all the elements of the quotes you receive and enable you to be sure of making the right informed decision.]]>
It’s obviously an exaggeration to say that State Farm has been selling car insurance since before there were enough cars to make getting in a collision even possible—but it’s not much of an exaggeration.
The company was founded by G.J. Mecherle, in Bloomington, IL on June 7, 1922—which just happened to be George Jacob’s birthday. That same day, he sold the company’s first car insurancepolicy. The policy cost $22.34/year and covered a 1919 Hudson owned by a local farmer named Henry Stubblefield. From that auspicious beginning, the company grew quickly, and by 1940 it was the number one provider of auto insurance in the United States—a position it has never since relinquished.
There are a lot of reasons for State Farm’s success and they go far beyond the company’s catchy theme song—“…and like a good neighbor, State Farm is there”—which was composed in 1971 by a then little known song-writer by the name of Barry Manilow. At root, however, the company owes its success to two simple facts. First, they’ve always stayed true to G.J. Mecherle’s slogan: “Honesty isn’t just the best policy, it’s the only policy.” And second, while staying true to their core values, they’ve also kept up with the times. For example, State Farm introduced 24/7 customer support and created a robust online presence well before most other U.S. insurance companies.
Best Features of State Farm Car Insurance
When a company has been number one in its industry for 70 years, it’s obviously doing a lot of things right and has found a way to offer generation after generation of customers a lot of attractive features. But if we had to specify a single feature of State Farm that sets it apart, we would have to say that it is their attentiveness to their customers and responsiveness to their needs. The leadership of the company has always known that the company could not rest on its laurels—and it never has.
The most recent innovation that State Farm introduced in response to the needs and desires of its customers was to launch StateFarm.com. This user-friendly interface allows prospective clients to quickly and easily get a rate quote or to find an agent in their area, and it gives existing policy holders the ability to manage many aspects of their policies online. For example, as a State Farm customer, you can change your coverage levels, add or remove a driver from a policy, file and track a claim, and even pay your bill—all from the convenience of your home computer.
In fact, about the only thing that you can’t do at StateFarm.com is actually set up and order a policy. For that, you’ll need to speak directly with an agent. This might seem inconvenient, but it is actually to your benefit. By speaking with an agent you’ll be assured that you have all of the coverage that you need (and that is required by law in your individual State) and you can also be sure that you have received each and every discount or benefit for which you are eligible.
What the Experts Say
As its 70 years at number one make clear, customers love State Farm. But so do industry experts. Two of the leading independent insurance rating agencies—Best Insurance and A.M. Best—both give State Farm an overall rating of A++ or “Superior.” And the company is also in very strong fiscal health. State Farm’s assets and premiums are valued at over 98 billion dollars, and, here too, the independent rating agencies all give the company extremely high marks for its financial management and stability. Standard & Poor’s gives State Farm a rating of AA, Moody’s rates the company at Aa1, and Fitch provides a rating of AA+.
In a world in which many of the leading insurance companies have been involved in all manner of shady business dealings and have taken major financial hits, it’s comforting to know that so many independent auditing agencies all agree that State Farm is in a very strong position.
Benefits and Discounts
When we’re talking about the benefits of purchasing your car insurance through State Farm, we’re really talking about two different categories of things.
First, there are multiple benefits for which you might qualify depending on your coverage levels and your driving history. For example, if you maintain a clean driving record for a period of years, you could qualify for State Farm’s accident forgiveness benefit so that your premiums will not change if you are in an accident. Or you might qualify for a reduction in your collision deductible for every year that you go without an accident, or you might even qualify to have your deductible waived if you are in an accident but it is not your fault.
But there are also benefits that are enjoyed by all State Farm customers—regardless of coverage level or driving history. These are benefits like multiple payment plans, automatic payment options, online policy management, and the ability to talk with a State Farm representative 24/7/365. Benefits like these simply make it convenient, easy, and even enjoyable to do business with State Farm.
And don’t think that these kinds of benefits mean that insurance with State Farm is prohibitively expensive. It’s not. State Farm’s basic rates are highly competitive, and they also offer a lot of discounts. Some of the discounts for which you may be eligible include: discounts for insuring multiple vehicles, for maintaining a safe driving record, for parking your car in a garage, or for installing a security system on your car. And these discounts can add up to significant savings. But you can save even more if you also purchase another type of insurance—such as life, homeowner’s,renter’s, or disability—with State Farm.
The Bottom Line
State Farm has been offering car insurance for nearly a century and has been the leader in the industry for most of that time. There are good reasons for their success. They provide an excellent range of benefits at reasonable prices, and they are constantly listening to the needs of their customers and innovating to stay ahead of the competition. If you’re shopping for car insurance, State Farm certainly deserves serious attention.]]>
With it’s trademark image of the gently cupped hands and its well-known slogan—You’re in good hands—Allstate is one of the most widely recognized and trusted providers of insurance in the United States.
You might not realize, however, that the company was originally founded in 1931 by another venerable American institution—Sears and Roebuck—and it remained part of Sears until the 1980s. While Allstate offers a full line of insurance and financial services products, the company devotes most of its attention to the auto insurance market. In fact, auto insurance represents about 70% of Allstate’s total business, and the company is the second largest auto insurance company in the United States.
Best Features of Allstate Car Insurance
There’s a lot to be said for working with a company that has over 75 years of experience in the industry and that is focused primarily on providing auto insurance. But in addition to getting the benefit of the company’s extensive experience, one of the best features of working with Allstate is how easy they’ve made it to find a coverage plan that is right for you. Naturally, you can create a fully customized policy with whatever levels of coverage you may want. But Allstate has also developed four basic packages of coverage that are designed to meet the needs of most types of customers. These packages include: the “Value Package” for those who want to keep premiums low and are comfortable with slightly less protection;the “Standard Policy” that provides a nice balance between premium price, deductible levels, and coverage; the “Gold Package” that includes benefits like accident forgiveness, deductible rewards, and new car replacement; and the “Platinum Package” that gives you the very highest level of coverage available and the richest range of rewards.
Do you have a teenage driver in your household? If so, you’ll really like Allstate’s specialized insurance protection plans designed especially for these types of policies. They will allow you to keep both yourself and your teen covered without sending your premiums through the roof.
If you would like to find out more and perhaps sign up for a policy, Allstate makes it easy to get in touch with a well-qualified agent. Simply enter your zip code on the website, and you’ll be directed to an agent in your area.
What the Experts Say
Independent insurance rating agencies consistently give Allstate very high marks. For example, Best Insurance gives Allstate an overall rating of A+. But Allstate doesn’t just get high overall ratings. What the experts especially like is the fact that Allstate is generally conservative in its policies, uses a well thought out and sound investment strategy, is highly efficient in its operations and so keeps operating expenses low, and is strong in both its underwriting and it selling efforts. When you see it spelled out like that, it’s no wonder that the company has an A+ rating.
Allstate’s conservative approach has also allowed it to maintain a very strong financial position during the recent period of economic turmoil when many insurance companies have suffered major losses. In fact, Allstate’s premiums and income have been steadily increasing and the company now boasts over $47 billion dollars in assets.
Benefits and Discounts
Depending on the coverage plan that you select, Allstate offers some of the best benefit packages available. As we’ve mentioned, at the higher level of services your will see benefits like accident forgiveness, deductible rewards, and even new car replacement in the event that your car is totaled.
But no matter what level of coverage and service you choose, there are a wide range of benefits that are enjoyed by each and every Allstate customer. For example, you can opt to make payments either twice a year, quarterly, or even monthly. And no matter which payment schedule you prefer, you can also make payments online or even arrange for payment to be deducted automatically from your bank account. Furthermore, all customers enjoy the ease and convenience of filing and tracking claims online, and they have access to highly qualified Allstate customer service representatives 24/7/365.
Allstate also offers a wealth of discount options that can help you keep your premiums as low as possible. For example, you may be eligible to receive a discount if you insure more than one vehicle, if you maintain a safe driving record, if you take a defensive driving class, if you are married, or if your car has airbags or a security system. These are just some of the discounts that Allstate offers. But Allstate also offers other types of insurance products—such as homeowner’s insurance or life insurance—and you can save even more if you also purchase one or more of these additional Allstate services.
The Bottom Line
Allstate is an excellent choice for nearly any driver who is seeking high quality and reliable auto insurance. They offer a range of pre-designed packages that make it easy to select a policy, but they also provide you with the option to create a fully customized package. Allstate is also one of the few car insurance companies that offer special plans for households with teen drivers; and these plans can give you a lot of peace of mind while also keeping your premiums manageable. The company also enjoys an excellent reputation among both its customers and industry analysts. Allstate’s customers appreciate the strong support and backing they get from the company if they are in a dispute with another insurance company and also the way their claims are resolved quickly and fairly. Industry analysts appreciate Allstate’s conservative approach to investing and underwriting and its overall fiscal strength. Allstate should definitely receive serious consideration by anyone looking for quality insurance at an affordable price.]]>
21st Century Insurance and Financial Services, Inc. is a young, innovative, and forward thinking company that offers a full range of insurance products. They are committed to providing their rapidly growing base of car insurance customers with superior coverage and service, very low rates, and all of the convenience of a robust online presence.
But 21st Century is also a member of the Farmers Insurance Group of Companies, and that means that it rests on a solid foundation of corporate strength and tradition. Farmers Insurance Group has been providing peace of mind and rock-solid coverage to its customers for over 80 years, and it is now one of the largest insurance companies in the United States. In fact, Farmers and 21st Century combined boast over 20 million customers nationwide who are served by more than 25,000 highly qualified employees.
If you’re looking for all of the benefits of a fresh and innovative “new kid on the block” as well as the stability of a well-known and venerable company, 21st Century Insurance might well be for you.
Best Features of 21st Century Car Insurance
21st Century is an excellent choice for anyone who wants to keep their insurance rates low and who enjoys managing their business dealings online.
Some insurance companies make money by pushing customers into more coverage than they actually need—more than they need in order to drive legally and more than they need in order to drive with peace of mind. You won’t get this kind of pressure with 21st Century. Sure, if you want a full suite of maximum coverage, they will provide it. But they will also work with you to find a more modest package of coverage that is just right for you. And you won’t be treated like a second-class customer if you opt for the minimum legal coverage. You’ll get all of the same service and attention whatever level of coverage you choose.
And you’ll also get all of the online convenience that you would expect from a company called 21stCentury Insurance. Some of the things that you can do online include: previewing coverage options and getting a quote, managing your policy (e.g. changing coverage, adding or removing a driver, etc.), filing and tracking a claim, and paying your bill.
In fact, about all that you can’t do online is actually sign-up for a policy. For that, you’ll need to contact an agent. However, 21st Century makes doing so very simple. Enter your zip-code on the website, and they will direct you to a local agent who will be able to help you get your policy set up in no time.
What the Experts Say
21st Century is a fairly new player in the auto insurance world, and some its growing pains put a few dents in its customer satisfaction ratings. However, the company has gone through these developments well, and JD Power now gives it a solid ranking in customer satisfaction and even stronger ratings for coverage options and pricing.
And 21st Century also enjoys solid financial strength as a member of the Farmers Insurance Group—which is consistently rated very well. In fact, both Best Insurance and A.M. Best gave Farmers Insurance an overall rating of A.
Benefits and Discounts
21st Century is dedicated to saving its customers money, and they offer some of the most competitive base rates around. But they also offer a full range of discounts that can save you even more. For example, you may be eligible to receive a discount on your premiums if you insure more than one vehicle on the same policy, or if you maintain a safe driving record, or if you are married, park your car in a garage, or if your car is equipped with an anti-theft system. But 21st Century also offers other insurance products—such as homeowner’s insurance, renter’s insurance, and life insurance—and you can save even more if you purchase one or more of these additional products from 21st Century.
We’ve already mentioned the wealth of options that 21st Century offers you for managing your insurance policy online. But this isn’t simply a convenience. Using these options means that most of your insurance transactions will be handled—and resolved—much more quickly. What’s more, 21st Century’s user-friendly online presence allows you a level of access to the details of your insurance policy and your transactions that isn’t available with many other companies.
The Bottom Line
21st Century offers a fresh, innovative, and up to date approach to managing all of your auto insurance needs. They offer highly competitive prices, a wide range of discounts, and the ease and convenience of managing most of your transactions online. Furthermore, the company has the backing of a trusted and venerable institutions—Farmers Insurance Group—so you can be completely certain of its fiscal strength and stability.]]>
Chances are that you’ve heard of AARP and already know something about it. It’s a membership-based organization that is open to Americans over the age of 50, and it is also a very powerful advocacy group that works energetically in support of its members (and the entire demographic of older Americans).
What you might not have known is that one of the benefits AARP offers its members is the opportunity to receive car insurance through the AARP Auto Insurance Program. Older American’s can sometimes have difficulty finding affordable car insurance—since some providers are reluctant to serve this group. Recognizing this problem, in 1984 AARP introduced its Auto Insurance Program to ensure that all of its members would be able to purchase high quality insurance at reasonable rates.
The AARP Auto Insurance Program is underwritten by the Hartford Group of insurance companies. The Hartford is a venerable company that was founded in 1810 and has been continuously operating ever since. Today, The Hartford Financial Services Group, Inc. is one of the largest, and most reliable, insurance providers in the United States.
Best Features of AARP Car Insurance
When you’re shopping for car insurance, it can be tempting to simply hunt for the lowest rate you can find. But that isn’t always the best strategy. What matters even more than the premium you pay is what happens if you need to file a claim. Especially if you are an older American, you might find that your insurance company cancels your coverage if you have a claim, or that they immediately increase your rates.
Here is where you’ll find the real value of purchasing your insurance through the AARP Auto Insurance Program. The best feature of the AARP plan is that AARP has leveraged the full power of its massive organization in order to secure a set of benefits for its members that they would not be able to gain if they were simply acting as isolated individuals.
Perhaps most importantly, the AARP Insurance Program guarantees you lifetime renewability of your policy—provided that you pay your premiums, maintain a valid driver’s license, and meet a few other very minimal requirements. But you’ll also get a locked-in rate for one full year—even if you file a claim during that year. And if your car is declared a total loss within 15 months and/or 15,000 miles, the AARP plan will even pay the entire replacement cost—with no depreciation—for a brand new car of the same make and model.
In order to enroll in the AARP Auto Insurance Program, you must be a member of AARP. If you are a member of AARP and this plan sounds good to you, it’s easy to find a local agent who can help you enroll in the program. Simply enter your zip-code on the website, and you’ll be directed toward a helpful AARP Auto Insurance agent in your area.
What the Experts Say
You can be sure that AARP didn’t enter into an insurance partnership with a shady, fly-by-night organization. And, in fact, The Hartford Group is in very sound fiscal health with assets exceeding 285 billion. Furthermore, independent insurance rating agencies consistently give The Hartford very high marks. Both Best Insurance and A.M. Best give them a very strong A+ rating.
What’s equally important is that the real “experts”—customers who have filed claims—also praise The Hartford and the AARP Auto Insurance Program. With the power of AARP backing them, members report that their insurance company is really on their side—working to help them get the best deal possible and to resolve their claims with a minimum of hassle.
Benefits and Discounts
We’ve already mentioned a few of the powerful benefits that you’ll receive with the AARP Auto Insurance Program—benefits like lifetime renewability, locked-in rates, and new car replacement. But there are a slew of other benefits and advantages that come with the AARP program. For example, you’ll get “First Accident Forgiveness” if all drivers on your policy have been accident free for the preceding five years. You’ll also get “Disappearing Collision Deductible” which reduces your collision deductible by $150 dollars after five years of accident-free driving and then by $50 for every additional accident-free year until it disappears completely. You will also have your deductible waived if an accident is not your fault. And, to mention only a few more of the many benefits of the AARP plan, you’ll have tremendous flexibility in selecting your coverage and in how you choose to pay, you’ll have access to a claim hotline that is staffed 24/7, and you’ll enjoy a claim satisfaction guarantee that is backed by all of the power of AARP.
And don’t make the mistake of thinking that a plan with all of these benefits cost a fortune. AARP has negotiated very competitive rates, and there are also many discounts for which you might be eligible. The AARP Auto Insurance Program offers discounts for insuring multiple cars on the same policy, for completing an AARP Driver Safety Course either in person or online, for also insuring your home or RV through the AARP program, and depending on the state in which you live, you might also be eligible for a discounted rate because you have air bags or an anti-theft device on your car.
The Bottom Line
The AARP Auto Insurance Program is a very attractive option for American’s over 50. The plan is loaded with features—some of which, like guaranteed renewability, are especially important for older American’s—and includes a great deal of flexibility in both coverage and payment options. Furthermore, the basic rate is quite competitive and the plan also offers many opportunities for discounts and additional savings.
If you haven’t yet turned 50 and you’ve been dreading it, this plan is good enough that it might actually have you looking forward to that momentous birthday.]]>
GEICO is one of the most familiar names in the auto insurance world. In fact, it’s fair to say that there has never been a more successfully branded and marketed insurance company. People all around the world know and love the perky little GEICO gecko, and the two lovable cave men with easily hurt feelings are quickly becoming equally well known.
But GEICO isn’t simply a story of advertising and marketing genius. Not many people realize it, but GEICO was established in 1936, by Leo and Lillian Goodwin and its name is abbreviated from “Government Employees Insurance Company”—for it was government employees that the Goodwin’s first sought to serve. It was in the late 80s and early 90s that GEICO began to establish itself as an Internet-based insurance company, and it leveraged the advantages of its online presence in order to offer its customers consistently lower rates than most other providers. In fact, the major growth in GEICO began with its highly successful add campaign featuring a tag line they still use: Give us 15 minutes and we’ll save you up to 15%.
Today GEICO is a wholly owned subsidiary of Berkshire Hathaway—the major investment company headed by Warren Buffett. It is the third largest insurer of private passenger cars in the United States and is the fastest growing major auto insurer in the country. GEICO has more than 9 million policy holders, insures more than 16 million vehicles and employs over 24,000 associates working out of 12 major offices around the country.
Best Features of GEICO Car Insurance
With GEICO, low rates and customer service vie with one another for the title of “best feature.” GEICO first established itself as a major player in the auto insurance world by delivering customers the same level of coverage as other providers but for substantially lower premiums. And they continue to offer top-tier coverage at some of the most competitive rates available.
But they also gained their current standing in the market by offering excellent customer service and support. In fact, GEICO was the first auto insurance company to introduce 24 hour telephone customer service available 7 days a week. And service and convenience remain among the company’s best features.
The company maintains an absolutely state-of-the-art website at which you can learn about products and services, learn about discounts for which you might be eligible, manage your account, make payments, file and track a claim, locate a repair center, and a lot more. And you can still contact a GEICO representative by phone 24/7/365.
In fact, about all you can’t do online is actually purchase your policy. This may seem like a surprising oversight, but it’s actually to your benefit. When you speak with an agent live, you’ll be able to make sure that you have exactly the coverage that you need—no more and no less—and that you have received all of the discounts and special services for which you may be eligible. What’s more, it’s easy to find an agent. Simply enter your zip-code on the website and you will be directed to a GEICO agent who serves your area.
What the Experts Say
It seems that everybody loves GEICO—from rating agencies, to research groups, to customers. The industry’s leading auditing groups have all given GEICO some of the highest ratings possible for financial strength. Standard and Poor’s gives GEICO an AA+ rating, Moody’s gives it an Aa1 rating, and A.M. Best gives it an A++ rating.
Furthermore, Forrester Research gave GEICO a “superior” rating for its devotion to customer advocacy—which it defines as “the perception by customers that [GEICO] does what is best for them, not just what is best for its own bottom line.”
And again and again customer surveys and unsolicited customer reviews show this same kind of enthusiastic support for the company and its service. Customers overwhelmingly report that their claims are handled quickly and fairly, and they are very satisfied with the quality of the service and support they receive.
Benefits and Discounts
In addition to low basic rates, GEICO offers some of the most generous discount packages in the industry. For example, you are eligible for additional savings if you have a record of safe driving, if you are older, if you are insuring multiple vehicles, if you are married, or if you park your car in a garage. Furthermore, GEICO offers special discounts to military personnel and to individuals who are members of any of the more 20 business and professional organizations that partner with GEICO.
And when you purchase insurance with GEICO, you’ll enjoy a wide range of benefits. GEICO offers you a very low down-payment on your policy, the option of paying in monthly installments, and immediate activation for instant coverage.
You can also sign up for round-the-clock access to your account with GEICO’s online PolicyServiceCenter. Here you’ll be able to view all of your insurance documents, change your coverage levels, make payments or sign up for automatic payments, and add or remove vehicles from your policy. All of this is, remember, in addition to your ability to file and track a claim online.
The Bottom Line
GEICO is an excellent option for most individuals seeking car insurance. They offer very competitive rates, a wealth of discounts, many online conveniences, and the ability to speak with a customer service agent 24/7/365. Furthermore, the company is in very strong fiscal health, so you never need to worry about their ability to pay your claims.]]>
Esurance was founded in 1999, at the height to the dot.com explosion. And when the dot.com boom turned to a bust, many companies—especially many recent start-ups—didn’t survive. But Esurance made it through those tough times and was acquired by White Mountains Insurance Group. Today they are one of the leading online auto insurance companies in the marketplace.
Esurance is led by Gary Tolman and a management team with over a century of combined experience in the insurance industry. They provide personal car insurance in 30 states and they employ nearly 1,700 highly qualified insurance experts and customer service specialists working out of 13 offices nationwide.
The motto of Esurance is “People when you want them/Technology when you don’t.” What this means is that customers get the best of both worlds—innovative technology for claims services and policy management, and also personal, one-on-one assistance when you need it most. This best of both worlds approach has played a large role in Esurance’s continued growth and success.
Best Features of Esurance Car Insurance
Today we are all familiar with, and even comfortable with, the idea of doing business with a company that operates largely online. But that wasn’t always the case, of course. Esurance was one of the very first companies to introduce this radical innovation in our insurance buying culture, and the quality and service they provided was instrumental in establishing a high level of comfort with this idea.
By operating primarily as an online company, Esurance has been able to offer customers consistently low rates. But they haven’t been able to succeed simply on the basis of low rates. They also offer customers a consistently high level of service and a number of conveniences that come with an online presence. For example, Esurance provides around the clock claims service, a set of user-friendly policy management tools, and the ability to contact a customer service representative 24/7/365.
The one thing you can’t do online with Esurance is actually purchase a policy. For that, you will need to contact a company representative. This may seem inconvenient, but it’s actually a big part of the company’s human touch. By dealing with an actual representative, you can be sure that you will get the coverage that’s best for you and all of the discounts and savings for which you are eligible. And locating a representative is easy. All you need to do is enter your zip-code on the website and you’ll be directed to an agent in your area.
What the Experts Say
You can have complete confidence in the fiscal strength of Esurance. Not only are auto insurance companies in the United States highly regulated and required to demonstrate that they have ample assets to pay potential claims, but independent insurance auditing companies have also praised Esurance. For example, A.M. Best has rated Esurance’s financial strength as “Excellent.”
And these are not the only experts who praise Esurance. You’ll also be happy to know that actual customers are very satisfied with the service they receive. Naturally, all Esurance customers are delighted with the excellent rates they receive and the flexibility that Esurance offers. But the most important endorsements come from those customers who have actually filed a claim—and they rave about the expert service they have received and about how quickly and fairly their claims were resolved.
Benefits and Discounts
In addition to their low, basic rates, Esurance offers the full range of discounts that you will get with most other providers. If you are married, have a record of safe driving, insure more than one vehicle, park your car in a garage, or have a security system installed on your vehicle you will be eligible for even lower rates. But Esurance doesn’t simply offer car insurance. They are a full-service insurance company that also offers life, health, homeowner’s, and renter’s insurance. If you pool your auto insurance with another Esurance policy, you will be eligible for even greater discounts.
Another major benefit of using Esurance is that you can be sure your private data will be kept secure. Esurance is a member of the Better Business Bureau Online and fully adheres to its Code of Online Business Practices. Furthermore, they are also a part of the Verisign Secure Site Program, and this provides an added layer of security for your sensitive data.
The Bottom Line
Esurance was one of the first online insurance companies, and they remain one of the best. They made a name for themselves by offering customers the convenience of managing their policies and tracking claims online and also the hands on involvement of personal agents and account representatives. They are also committed to continued innovation and to constant improvement of their already excellent customer service. Esurance is a very stable and fiscally secure company and an excellent choice for your auto insurance needs.]]>
AIG, or American International Group, Inc., is the world’s leading international insurance organization. The company operates in more than 130 countries and jurisdictions worldwide, and they serve their institutional, commercialand individual customers with in-depth property-casualty and life insurance.
But if you’ve been following the news over the past several years, youknow that AIG has acquired some rather unwelcome notoriety. AIG was one of several large insurance companies that required a fiscal bailout by the U.S. government a couple of years ago, and this didn’t exactly enhance the company’s public image. Furthermore, in the wake of this
Federal bailout, AIG received a lot of unfavorable press-coverage suggesting that the company was involved in serious mismanagement of these government funds.
While all of this critical scrutiny hashurt AIG’s reputation, it has actually been very healthy for the company. Federal government oversight and heightened press attention have prompted AIG to institute major operational and management changes throughout the company. As a result, they have emerged as a stronger and more fiscally responsible company that is also far more focused on customer satisfaction. All of this means that it’s actually a great time to give AIG a second look.
Best Features of AIG Car Insurance
Some people might worry about doing business with a company as large as AIG. After all, since AIG serves businesses and institutions all around the world, an individual might worry that they won’t really care about anysingle person’s auto insurance policy. While this is an understandable worry, it is quite misplaced. Actually, AIG’s size offers real benefits to individual consumers.
First of all, when you’re dealing with a company the size of AIG, the chances are very good that they will offer service wherever you might be. This means that you don’t need to worry about having to change your insurance provider if you relocate. But there is also a lot to be said for purchasing your insurance from a company with AIG’s massive resource pool. Since the company is now in very solid financial health, you don’t need to worry about them trying to nickel and dime you on coverage or on claims.
But you also don’t need to worry that you will be dealing with a massive, impersonal company. You’ll actually interact directly with a local AIG agent, and this agent will be intimately familiar with your needs and your policy and will be devoted to giving you all of the individualized attention you require. With AIG, then, you get the best of both worlds. You get the resources and backing of a large corporation and also the personal attention that comes from dealing with a local agent.
What the Experts Say
Since most of the press attention that AIG has received recently has been negative, you might think that the experts would be highly critical of the company. But this is actually far from the case. In fact, because of the way that AIG has responded to some of its recent difficulties, the experts are once again giving the company very high ratings. For example, both Best Insurance and A.M. Best have given AIG a superior, A++, rating.
But you don’t have to take the word of professional rating services—unsolicited customer reviews agree. Customers overwhelmingly report that AIG agents know their stuff, that claims are handled quickly and fairly, and that the company is always ready to stand behind its customers in any dispute with another insurance company.
Benefits and Discounts
You’ll be happy to learn that you are probably eligible for several discounts through AIG. For example, you may be eligible for a discount if you insure multiple vehicles, have a safe driving record, park your car in a garage, or have a security system on your car. And you can save even more if you also purchase home insurance or life insurance with AIG. When you speak with your local agent, he or she will help you identify every discount for which you are eligible.
And of course we all hope that we never need to actually use our car insurance. But if you are in an accident, you’ll find that AIG makes it easy to file a claim and get the help you need. You won’t be dealing with an anonymous web-site or talking with someone at a giant call center who knows nothing about you. You simply contact your local agent and he or she will personally walk you throughall of the steps of filing your claim.
The Bottom Line
The truth is that the fiscal problems that AIG recently experienced had nothing to do with its auto insurance division and those problems never created any difficulties for its car insurance customers. They did, however, prompt a major shake-up in the company that has made it an even stronger and more responsive company. Insuring your car with AIG provides you all of the backing of a major international corporation and all of the personalized attention of a local agent. AIG really can offer you the best of both worlds.]]>