allstate insurance company –

Whether your insurance expired or just bought a car now is the time to get a new insurance. The car market increasing exponentially with faster cars at better prices, so did the insurance companies thrived and offered an even bigger coverage at a smaller price. Let’s check out the top ten car insurance companies. The review will be made regarding four major parameters: Response and Repair, Policy flexibility, Benefits and Discounts and Customer service & Claims Timeliness each rated from 0 to 4 stars.

Best Car Insurance Rates

Starting with number 10, the AAA is sporting 2 stars for Response and Repair, only 1 star for Policy Flexibility for a very rigid membership system. Full Stars are given to Benefits and Discounts and 3 stars for Customer Service and Claim Timeliness. It boasts with features like Approved Auto Repair Units, Comprehensive road side assistance and retail & travel discounts. It’s major flaw is that it cannot be used as a stand alone insurance.

Ranked 9 the Allstate receives a very balanced 3 stars in all four segments, as it offers decent discounts, has agents distributed wide across the states, the initial response is great (towing for example) and it would receive full marks in the Customer service department if not for certain delays. Some of the good features are: Deductible discounts for accident free years, Car replacement programs and Flexibility.

Liberty Mutual bests the Allstate only by half a star in the Customer Service department therefore placing itself on the 8th position. The Response, Policy flexibility and Benefits are all rated with 3 stars. Some of the standout features include 12- month policies, Liberty care facilities and Multy-Policy savings. A big no-no is the difficulty in obtaining car repair approval.

Next in line, ranked 7 is State Farm with constant 3 and a half stars on every department. It’s major advantage is the wide spread in the United States and Canada as well as the quality Customer Service. A big flaw is the questionable reliability in the agents in case of accidents and incidents.

On 6th place we find the Farmers Insurance company. Despite the fact that it’s rated the same as the State Farm also at 3.5 stars in every department. The standout features are superior, offering tempting Driver Discounts and certain rewards and a wide array of Customized policies. The places where it still needs work are the streamlined efficiency, and the ease of use or savings.

The middle of our top ten is occupied by the USAA, ranked 3 Stars in Response and Repair, 3.5 stars in Policy Flexibility and full stars in Benefits and Customer Service. It features business operations oriented on savings and expansive discounts for policyholders. The downside is that if you’re not a member of the US Armed Forces you are not eligible for this insurance.

On 4th place is Nationwide with 3.5 stars in Response, Policy Flexibility and Benefits and gets 4 stars in Customer services. The features include : Nationwide Iphone accesibilty, 100% guarantees on repairs, and Blue Ribbon Claims.

With 3.5 stars in Response and Customer Service and full stars in Policy Flexibility and Benefits the Esurance Company is ranked third. It has a wide array of features like: thoroughly informative website, “E-Star Direct Repair Program”, operations that are savings oriented, and efficient claims process.

Our runner up is Progressive that recives 3.5 stars in Policy Flexibility and Benefits and 4 stars in Response and Customer Services. It’s probably the most complex insurance company.

And our winner is GEICO that has full EVERYTHING, complete coverage and unbeatable offers making it number 1

Post tags: Tags: allstate insurance company, Best Car Insurance Rates, car insurance, car insurance companies

When we look for car insurance we always want to find the best insurance company that is trust worthy and that makes us feel safe, but doesn’t overcharge us. That’s why we like to be informed. We usually read reviews, ask our friends, compare the available online quotes and we are also interested in rankings and opinions.

A top five car insurance companies seemed a good way to help us all in finding that insurance company best suited for our needs. So, the first place goes to the Progressive car insurance company that is one of the most important American players on the car insurance market, offering competitive rates for your car insurance. The company’s winning feature is determined by the fact it is wiling to let you design your own policy according to your needs. That means you won’t have to pay for a more costly car insurance that includes options unnecessary for you. So their advantages are surely the hard to beat rates and the custom-made policies, but their flaw is the customer service that can be disappointing at times.

The second place goes to Allstate a car insurance company that offers significant discounts (up to 45%) on their standard car insurance for drivers with a clean driving record that were able to avoid making any claims for the past three years. That could prove to be beneficial for some us who are known to be cautious drivers. The company also offers the option to create your own customized insurance policy and if your car is stolen or completely destroyed in an accident they will help you buy a new car by paying for the value of your old one. This rule applies only if you were the owner of the car for just three years. What is disappointing is the fact that their clients find themselves often in the situation of asking the company to apply the discounts they promised.

Top Car Insurance Companies

Third on the list is Esurance, a company interested in the environment, trying to reduce the negative impact human beings usually have on nature. The company is web based and tries even to provide its employees with hybrid cars in order to keep their business eco-friendly. The lack of local agencies it’s a downfall, because it might complicate the process of filling a claim. And we all hate when that happens…

The fourth place goes to Geico, another top car insurance company that is able to reduce the rates by simplifying its policies. The company also offers the option of creating your own flexible payment plan that will help you keep your budget under control. Their financial aide is doubled by some discount programs you might find appealing. Geico’s big disadvantage is that its staff is often ‘lazy” when it comes to communicating the changes in policies.

Last, but not least State Farm is another competitor on the car insurance market, offering simple car insurance policies and dealing with any insurance claims you might fill in a professional manner. It is a trust worthy insurance company with local agencies that can provide with help when it comes to auto repair shops or car rentals. One little problem is represented by the time they take to process your claim. And, of course the value of the claim is also delayed. That can be annoying!

I hope that this top five car insurance companies will help you make the best decision possible. You should always remember that every course of action we take will have advantages and disadvantages, but we reserve the right to minimize the negative effects!

Post tags: Tags: allstate insurance company, Top Car Insurance Companies, top five car insurance companies