Are you looking for the best car insurance? You've come to the right place. We’ve taken a look at what's out there for you and we’ve even compared prices so that we’re able to make the best recommendations based on your needs.
When it comes to the best car insurance, it’s always best to shop around. Why? Rates vary from company to company and they are always changing. This is especially true if you’re a new driver, a driver with lots of traffic tickets, or are trying to get insurance for the first time after a period without it.
In general, there are numerous factors that play into figuring out how much coverage is required in order for an individual or family to be fully covered while also not overpaying on premiums each month. This article will help you figure out which type of car insurance is best for you in 2021.
What to Look for in a Car Insurance Premium
Before we talk about the best car insurance companies in 2021, it’s important to understand what you should be looking for in a premium to begin with.
The first thing to look at when shopping for car insurance is your location, as rates vary by region. You'll also want to take into account how much coverage you need as well as the value of your vehicle before making any decisions.
Lastly, be sure to get quotes from different insurers and compare them—the cheapest option may not always be the best one!
The Best Car Insurance in 2021
Amica
While Amica provides car insurance to drivers in close to all 50 states, J.D. Power’s 2020 survey saw Amica rank first for overall satisfaction in the New England region and ranked second highest for overall auto claims satisfaction in 2020. Overall, they’re one of the nation's fastest growing insurers and have been in business since 1926.
Amica offers many different products for all types of drivers, including ones who live in states where they are not licensed to drive. As well, the well-known car insurance company also offers great discounts, so you can save on your premium if you maintain good credit, have had no at-fault accidents in the last five years, or are an active member of the military.
Allstate
Allstate is one of the best car insurance companies mostly due to how well-known and widespread they are (insurance is available in all 50 states). Allstate has been in business since 1931 and still operates from its headquarters in North Carolina. With a long history in the industry, they have built up a great reputation with customers who enjoy low rates for quality services.
What are some of the benefits of choosing Allstate insurance? You get 24/7 customer service, so when you need help, they're there for you! And if you have an accident or need roadside assistance, they'll be there to take care of it in no time flat. If something happens to your vehicle (i.e., theft), their claims service will make sure everything is taken care of as soon as possible and without hassle on your end as well.
Chubb
While Chubb isn’t the cheapest option, we’re including it on this list because it’s certainly a great option for those interested in high-end coverage of their vehicle. For starters, some of their standard premiums include up to $50,000 for injuries and property damage sustained by others in your vehicle, as well as $100,000 coverage for your own injuries or death.
If you need to rent a car due to yours being damaged or in the shop, Chubb will reimburse you up to $15,000! That’s definitely high-end attention and service. Likewise, they cover the costs of repairing your car with its original manufacturer-made parts (yep, even imported ones).
Geico
Geico, like Allstate, is another insurance company that is well-loved simply for being well-known and widespread. While they don’t rank the highest in terms of service, Geico is well-known for the sheer amount of discounts they offer.
They offer very low rates for people who have clean records and also offer discounts if your driving record isn't so great or if you're under 25 years old. Other than that, they don't really provide any extra services like roadside assistance or rental car coverage.
Liberty Mutual
If you have a new car or are a teacher then you’re definitely going to want to look at Liberty Mutual. Liberty Mutual is the only nationwide insurance company (i.e. they serve all states) to offer new car replacement coverage. This means that if you total your car within the first year of owning it, and it has less than 15,000 miles, they’ll replace it for free.
As well, teachers can enjoy free auto insurance in a variety of states. However, it is important to note that Liberty Mutual is often much more expensive than similar companies such as Geico. So, make sure that the option makes sense for you.
EXTRA: Get Jerry
If you’re still not sure what the best car insurance is for you then why not leave the decision to the experts? With Jerry, you sign up in a few seconds and then, based on your information, receive quotes from over 50 insurance companies. The quotes they send are based on your current coverage so you know that you’re getting accurate quotes.
On top of that, they’ll also send you quotes every time your policy comes up for renewal. Get started here today to not only snag the best car insurance but to make the process hassle-free.
Note: The average Jerry driver saves $879 per year. Learn more about it here.
Once you’ve signed up for your Jerry account, be sure to also sign up for a Cheese Debit Card. We’ll help you save money on cashback and more that you can turn around and use for your car insurance! Download the Cheese app for free for Apple or Android.
