Are you in the market for auto insurance for your family? Today we are discussing the best auto insurance family plans that are currently available. Make sure that you keep your family safe by investing in a good insurance plan. Click on our individual reviews to get our in-depth analysis for each specific auto insurance company. I hope that our article can help make the car insurance process a little easier!
Here Are the Best Auto Insurance Plans of 2018
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Product Name |
Reviews |
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Allstate |
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Ameriprise |
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Esurance |
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Farmers Insurance |
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Geico |
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Liberty Mutual |
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MetLife |
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Amica |
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Progressive |
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State Farm |
What To Consider Before Getting Auto Insurance
Before you get auto insurance, think about what kind of insurance you want. Will you have other family members on your policy, and if so, how many? Think about if you will just want to carry your state’s minimum coverage or if you want carry more coverage such as collision coverage in case you hit something. The value of your vehicle should play into what kind of insurance you want to get. For example, for a brand new vehicle, you wouldn’t want to risk not getting collision coverage. However, if you have an older vehicle that is no longer valued at much, you may just want to carry liability or the state’s minimum coverage.
Importance of Having Auto Insurance
The most important auto insurance that you will need is your state’s minimum liability and property damage coverage. In order to be legally allowed to operate your vehicle, you will need to maintain car insurance. You will risk losing your driver’s license and pay big fines if you are driving without insurance. If you get into an accident without liability coverage, you could face large penalties including having to personally pay for any damages you caused to others.
Liability insurance is there to protect other drivers from any damage that you may cause to them. Think about if another person hits you and totals your vehicle. Let’s say it was 100% their fault. They need to carry liability insurance to pay you for your damages.
You may also want to protect your own vehicle too, in case you incur expenses caused by damage you accidentally inflicted or for damages out of your control. This could include damage to your windshield, damage from deer collision, theft, vandalism, fire, and storm damage such as hail dents. Collision coverage is good to have so you can have your vehicle fixed if you hit another car, tree, pole, etc.
Questions to Ask Before Switching Auto Insurances
Insurance companies are constantly finding ways to compete for your business. In doing so, you may find or be approached about an insurance plan that is cheaper/or covers more than the plan you currently have. But before making the switch, ask yourself the following questions:
Are You Getting Better Coverage?
Look into the fine print and make sure you aren’t sacrificing what you already have for the same price. Or, if you are getting less coverage, make sure you want to accept less.
What Are Your Deductible Options?
Make sure you are comfortable with the deductible. Switching auto insurance companies simply because one has a lower rate than your current auto coverage is not smart if the deductible is higher.
What Is The Process to File a Claim?
Is the company going to make you jump through hoops to file a claim? Look in detail as if you were going to file a claim. Do this before switching companies.
How Is Your Current Car Insurance?
If you have been happy with the customer service of your current auto insurance provider, then be careful when switching.
Features To Look for In an Auto Insurance Company
Price
This is usually the first and often only thing people look at. You will want to shop around and get a good price. Make sure to look at the coverage that you are getting so that when comparing prices, you are comparing apples to apples.
Converage
Make sure that you are comfortable for the coverage you are buying. Just like with anything you buy, make sure you are getting enough for the money you are going to spend.
Reputation
Be careful of insurance companies you’ve never heard of. Do a web search. Look for legitimate feedback from people who have used this auto insurance company. This doesn’t mean that the big name companies are all you should go with, but be very careful trusting little known insurance companies without good and solid reputations.
Bonuses
Bonuses for a good driving record or accident forgiveness may be the extra icing on the cake that helps you to choose between similar policies.
What Affects Car Insurance Rates
Your history as a driver is going to play a big part in what kind of insurance rate you will get. If you think about it, this makes sense to the auto insurance company to want to give the lowest rates to the least liable parties and higher rates to more at risk drivers. An accident, traffic ticket, or other damages suffered to your vehicle may all affect your insurance rates. You can expect to have higher insurance rates if you’ve ever received ticket, were in an accident, or were arrested for driving under the influence. People without this type of history generally get lower insurance rates.
Tips and Ways To Get An Auto Insurance Quote
Getting an auto insurance quote is the easy part. You may have even had insurance companies contact you without trying and offer to give you a quote. Find a representative to talk to either on the phone or via email and ask for a quote. You can often find quotes without giving out too much information by going to an insurance company website. Do not give out personal contact information if you do not want to be called back.
Tips for Taking Control of Your Policy
In order to take control of your auto policy, you are going to want to know what you want to get out of it, and how much you are willing to pay. The main thing to think about is the coverage you want and how much you are willing to pay on a deductible. The rest of the factors such as bonuses should be side factors. Are you wanting to lower your monthly bill, or would you rather have more coverage? The first step of taking control of your policy is to know what you want to get out of your policy.
Overview Of Our Top Auto Insurance Companies
AllState:
Allstate is one of the largest property and casualty insurers in America. It currently serves over 16 million people worldwide.
Ameriprise:
This auto insurance company boasts that they keep a 90.1% customer satisfaction rate. You may not have heard of them because they choose to focus on making their insurance affordable, so they don’t book celebrities or big names to talk about their products.
Esurance:
This subsidiary of Allstate is available only by phone or online. This is so they can give you the best quotes and services at an affordable rate.
Farmers Insurance:
This American insurer covers automobiles, homes, and small businesses. They currently employ 50,000 agents to help you get the best rates as soon as possible.
Geico:
Focuses mainly on selling auto insurance, though they also offer home and life insurance. You may have heard of Geico from their catchy commercials and catchphrase, “15 minutes could save you 15% or more on car insurance.”
Liberty Mutual:
Liberty Mutual is the fourth largest property and casualty insurer in the United States.
MetLife:
MetLife is one of the largest providers globally of annuities, insurance, and employment benefits.
Amica:
Amica insurance includes auto, homeowners, liability, and marine coverages. They are well-known for their excellent customer service.
Progressive:
Well known for their name your price tool, Progressive tries to live up to its name of changing the auto insurance game.
State Farm:
State Farm is a large group of insurance and financial services located in the United States.
Conclusion
I’ve given you some things to think about when purchasing a family auto policy. Remember this truly is something you are purchasing, so go after what you want and buy it just like you would a material possession. Make sure you are comfortable with the coverage you are getting and make sure your policy is affordable. The value of your vehicle should be one of the main components when picking out a policy that you are comfortable with. I hope this advice helps you in getting an auto insurance policy tailored to you and your family’s needs.
