Top 10 Best Car Insurance Companies

I've had State Farm my whole life, and they have always done right by me. On April 10, 2009, my home was destroyed by a tornado. Amidst all the turmoil, the traffic, and the inability to call anyone, I was finally able to reach my agent around midnight to report my claim.

The next morning, I went to the location of my destroyed home around 8 am to find my agent was already there with a check in hand to keep me on my feet. My agent and claims team found me a townhome to stay in, fully furnished it with supplies and furniture, and allowed me to stay there until the construction on my new home was complete. All the while, they tended to my every need and resolved any complications or worries I had very quickly.

I used to have Farmers Insurance until I got into an accident. Even though I had a local insurance agent, because I had to file my claim after hours, I had to contact a generic claims call center. Then, since I initiated the claim using the 1-800 number, I had to complete the rest of the process that way. At that point, I was asking myself why I was paying a premium to have a local agent when he was doing nothing to help me.

After the whole experience, I decided to shop around and ended up choosing Progressive. They had much better prices, and since it no longer mattered to me to have a local agent, I signed up. I've had nothing but a positive experience with Progressive so far.

I had State Farm before. I bought a new car and sold the old one. State Farm was charging me $120 a month for full coverage, and that didn't include coverage for a broken windshield. I wouldn't have thought about getting a new insurance company if it hadn't been for my State Farm agent who kept ignoring me. I called him multiple times, but someone else answered the phone. He took my message and said my agent would call me back, but he never did.

Then, I happened to drive by a GEICO office and decided to inquire. GEICO is charging me $90 per month for the same full coverage I had with State Farm, and it includes windshield insurance. That's a savings of $360 per year! Additionally, they gave me some freebies like pens, a tumbler, and other stuff.

I went to AAA, but they said they wouldn't insure me because my US driver's license is less than 18 months old. They also wouldn't honor my professional driver's license from another country, even though I'm 30 years old. On the other hand, GEICO gave me more discounts because of that license and an additional discount for being a registered nurse.

I switched from State Farm to Allstate. State Farm really doesn't care about their clients. When I retired and moved to another state, my rates doubled because they charged me for three incidents. One of these incidents involved a State Farm policyholder rear-ending me, and they said I could have used my own policy, even though their policyholder was 100% at fault. Their customer rating system is difficult to understand, and they cannot explain it. I've found a company that actually cares about their clients.

They are always there! When I lost control of my new pickup (11 months old) on slick streets and totaled it in 2007, I was all alone. No one for miles in any direction. I called USAA to let them know what had happened. I was scared and alone, and the representative stayed on the phone with me until someone got to me.

I was physically unhurt but scared. She eased my fear and talked me through everything I needed to do. She gave me sound advice as to where to take the truck. Everything was handled smoothly and quickly. The settlement was swift. I was in a rental car in a matter of a few hours and in a new car in a matter of days.

We have been with USAA since 1976. We have had three burglary claims with them over the years, and every one was handled well, and payment was swift. They are an honorable company who put their customers first. They are fast, efficient, and thorough. I highly recommend USAA to anyone who wants to be treated well!

I just switched from State Farm to Nationwide. State Farm was reasonable, though I wasn't necessarily happy with the coverage. It was only $79 a month for full coverage, but they didn't have accident forgiveness. If I got into an accident, I would have to pay 20% of the rental fee for a car, and the lowest deductible for collision they would offer is $250.

I switched to Nationwide a week ago, and the quote was for $70 a month (every little bit counts). The big difference is the coverage. I got accident forgiveness included. Also, they pay 100% of the car rental fee, and I only have a $100 deductible for collision. However, they do have a $0 deductible option, but $100 is manageable. This is for a 2011 Ford Focus, which are generally cheap to insure.

I just finished up an auto claim with AAA. I had used AAA for my first car years ago but switched to Geico and then State Farm since I had to be insured on a college student budget.

Post-grad, I moved back to AAA when I was making a higher income. This past weekend was the first time I've had to actually invoke my car insurance coverage due to a hit-and-run on my car while parked. The response time, courteousness, and professionalism shown by the AAA agent were amazing.

I intend to stay with AAA for many, many years to come. Thumbs up.

When I talked to the employees at 21st Century Insurance, they didn't talk at me, they talked to me just like they would any other person. They looked past the bottom line dollar signs and saw me as an individual. A lot of insurance companies today can't seem to deliver that. I think it's obnoxious when a company becomes so big that they don't treat the customers as people anymore or when companies become so large that the employees become impersonal and arrogant. So far, I haven't encountered this with 21st Century Insurance and that, my friends, leaves me a satisfied customer!

I've had Travelers for over thirty years. My insurance agent a few years ago left a message on my answering machine that I should give her a call, and I might be able to save money on my insurance. And my insurance went down by over 1/3 of the cost.

This year, I had all my policies starting on the same date - my auto insurance is now for a year instead of two six-month terms, and I saved money on the yearly policy! I have never had a problem with any claim.

I compared other online and "brick" insurance companies against Travelers, and they were the best compared to the coverages we previously had. I even called AARP-The Hartford and told them that I found better-priced coverage. I asked if they could do better, but they told me no. So we switched.

I even got my Jeep covered. Our combined home and (2) cars for 2013-2014 cost $1419 for the year. We had a glass claim, and it was handled quickly and efficiently. I recommend trying them.

I've dealt with them on two homeowner claims (for my grandmother) and three auto claims (a $68,000 uninsured motorist claim and a broken windshield claim on my cars, and my mom's car after she hit a deer). These claims have spanned the last nine years. Each one was handled with a high level of professionalism, but also with decency, kindness, and compassion. They are truly an honest company that pays the claims they owe quickly and fairly. When I was injured by the uninsured motorist in 2010, the first thing my attorney said when he saw that I had A-O was, "You have nothing to worry about. They will take care of you."

I'm switching to Amica from State Farm because I reviewed my State Farm policy and found that they no longer pay to return my vehicle to "pre-loss" condition. Instead, they only cover what is competitive in the market area. I have been with State Farm for over 12 years and only recently read my policy booklet to discover this change. Based on the language in State Farm's auto policies, I am very unhappy.

State Farm gets to dictate what is competitive in the market area. Because most of the shops in my area are subpar, State Farm will not pay to have my vehicle properly repaired, as it isn't considered competitive in my market area. This also means that if I hit someone and they take their vehicle to a quality shop, but State Farm does not cover the repair costs properly, I could be sued by the person I hit. I expect more from my insurance, and I hope others do too.

After contacting Amica, I have found their representatives to be far better than any State Farm agent I've interacted with in twelve years. By switching to Amica, I now receive the best customer service available and also benefit from increased coverages to protect me in the event that I do have a claim.

Working with insurance adjusters on a daily basis, I couldn't imagine carrying insurance through any other company. I find Erie to be the most likely to settle claims, which makes me feel extremely well-covered when I'm on the road.

I know that if something happens and the other person doesn't have insurance, my company will take care of me without pushing back or thinking of dropping me. I love ERIE!

I left Nationwide after 33 years for Erie. I had policies for three cars and two houses and saved over 30%. That's a big savings that no one could match for the same coverage.

There was nothing wrong with Nationwide. They just kept increasing the price even though I had no claims. After a lot of research, Erie was the best choice I found.

The Hartford, through AARP, has had the cheapest rates we have found for both our auto and homeowners insurance. We had American Family prior, and The Hartford saved us a lot of money. They respond quickly and send out adjusters within a couple of days of calling them. They also will not drop you if you get a ticket. We haven't had any tickets or accidents in over 25 years, and tickets in over 30 years.

We filed a claim when our home was damaged due to a water leak in the wall. They replaced the drywall. We had to have our plumber friend weld the leaking pipe, but they removed the shelves, replaced the damaged carpet with tile (we paid a little extra for the upgrade), and painted two rooms due to the drywall damage. Everything was restored to its original condition, unlike my mother's experience.

My mother had a water leak in her brick wall and State Farm sent out a crew to break through her brick and cement and dig up her backyard to reroute the plumbing. She had to pay someone to rebrick the hole, pour new cement, and restore her yard, which cost her $50,000 out of pocket. Our damage, including the complete repair, only cost $600 with our deductible.

For a great low rate, you can go online to The General and save some time!

I have been with Safeco for over 20 years. I have totaled three cars with over $40k in claims there. I have been impressed with their fast claims service and the fact that they never raised my rates after a claim.

I have shopped rates in the past and Safeco could not be beat. Safeco has always been there when I needed them.

My daughter has piled up her car on numerous occasions and Safeco always paid the bill! She has never had an increase in premium for over 10 years. I think Safeco is one of the hidden gems of car insurance companies!

Although they did not give me discounts, at least they did not charge an arm and a leg after my one accident. Mercury has been faithful and very helpful when I was a couple of days late on payment.

Allstate, on the other hand, paid the other party over and over, even though the damage to my fender was worse. The other car only had a slight tap on the rear end, but the other driver got full value for their destroyed car. All 5 occupants even got physical therapy and chiropractic visits three times each.

I was angry! They were not injured, and the car was repairable. But Mercury came through and gave me a good deal for the upcoming years!

Best insurance company I've ever had. They may not be the cheapest, but if you rate your insurance companies based solely on price, I hope you never have a claim. You will be shocked to see what the cheaper companies do when you file a claim.

With American Family, we called Russ, our agent, and his staff helped us through the whole process. When we talked to the claims adjuster, he was very informative and worked with us. Our car was totaled. It was an older car, but it was my daughter's grandmother's and had less than 10,000 miles on the 7-year-old car. The adjuster initially came back with a value that I felt was low.

He showed me how he calculated the value, and I told him the car was worth more than the average excellent condition 1993 model. He spoke with our mechanic and the body shop to get their input on the car's condition, and he increased the offer by 33%. He had to get approval from the company to do this, but he and my agent went to bat for us, and we were paid what I considered a fair price for the car just two days later. That's why I will always be an American Family Insurance customer.

Farm Bureau has paid every claim we have had fairly and quickly. I hydroplaned after a tire blew out, and my Honda flew over a deep embankment and landed upright, but the damage was significant.

Another time, I was easing out of a parking space at a restaurant when a large pickup blew through the lot and couldn't stop. My car was a total loss, and Farm Bureau gave me what seemed to be more than they needed to, based on my research of my car's worth.

A third time, I bumped someone at a right-turn stop sign, and they took care of the dent on the other car, no questions asked. If I were them, I would refer me to another company, but they continue to offer great service at a very fair price and have just insured our new condo at an excellent rate.

Very friendly, personal, and informative staff. I enjoyed the choices that were given to me and how my coverages suited my needs and budget.

I am a non-standard customer and my rate compared to the other non-standard insurance companies was lower, and I received better customer service.

Extraordinary customer service through and through! This is one of the few places that I've shopped where I really felt like the agents listened to me and understood my needs. My only regret is not checking them out sooner.

I've had this company for years, including coverage for my 21-year-old son. It's not an easy feat to get reasonable prices, complete consideration by all employees, and real people who meet all our needs when it really counts.

For example, my son was in a total loss accident when hit in a hit-and-run on a busy freeway. He had minor physical injuries, but Wawanesa came through, providing everything we needed! We love Wawanesa.

Been with them for over 10 years. The customer service is great, the response time is excellent, and the cost of coverage is outstanding.

We used to have Geico. We have a clean driving record, no accidents, and our insurance goes up. So we changed to Elephant and love it! And it is a whole lot less with the same coverages.