*The availability, qualifications, and amounts of coverages, costs and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent. Insurance products in California offered by AAA Northern California Insurance Agency. License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Insurance provided by CSAA Insurance Group, a AAA insurer.
Why choose Nationwide auto insurance? As a Nationwide auto insurance policyholder, you’ll enjoy great customer service online or over the phone, as well as through our vast network of Nationwide agents and Nationwide-affiliated independent agents. But don’t take our word for it. We post our customers' auto insurance reviews online for you to read. Cheap auto insurance companies don’t do that.
If your car is not insured and involved in an accident, you might have to pay to rent a car or cover repairs yourself. Comprehensive and Collision coverage as part of your car insurance policy is a much better value because, even if you're not involved in an accident, you can still be protected against theft, fire, vandalism and windshield damage. Want to reduce your monthly auto insurance payment? Choose a higher deductible.
3AAADrive™ participation is optional. Subject to terms, conditions and availability. AAADrive Auto Insurance Discount is not available in all states. Download of the mobile app, activation of AAADrive and the ability to record journeys are required to receive the discount. Savings based on driving behavior. Discounts apply to select coverages only and may vary by state. Please refer to the Terms & Conditions for the required, compatible, Android or iOS operating systems to determine participation eligibility. Android OS5.0/iPhones iOS10 and above operating systems required. Must meet minimum qualifications to maintain the discount at renewal.
Comprehensive covers theft or damage caused by something other than a collision with another car or object. This includes vandalism, natural disasters, and damage caused by animals. If you live in an earthquake-prone region or one with high deer populations, comprehensive coverage will protect against those environmental factors beyond your control.
We wrote the book on low price car insurance, but the story isn’t just about discounts. We’ll go a step further by giving you the power to tailor the quote to your budget and protection needs. We’ll also make sure you’ve maximized your savings opportunities with helpful hints below. That’s why you’re at the best place to buy cheap auto insurance online.
Many insurers state that their policies offer ‘full coverage’ without detailing what that means, because, well, it doesn’t really mean anything. According to Jonathan O’Steen, personal injury attorney and partner at O’Steen & Harrison LLC, “Some insurance agents use ‘full coverage’ as a shorthand way to describe auto policies that only meet state minimum limits for coverage. True full coverage would provide unlimited protection for all losses arising from an automobile accident.”
Insurance companies require that a collectible car not be used as a primary driving vehicle. They also place maximum annual mileage restrictions on its use, the ceiling for which will depend on your state but usually not exceed 7,500 miles per year. Most classic vehicle policyholders are limited to using the automobile only for pleasure driving or a hobby activity, such as participating in a parade, show or exhibition. Many insurers will not cover a claim if you use the classic auto to drive to work, shops, or other destinations.
Large insurance companies analyze a huge amount of customers’ personal data (like social media posts, credit scores, and even your web shopping habits). Then, they churn the data through a proprietary algorithm that estimates how likely you are to shop around or just renew your existing policy each year. By doing so, they can increase your premium just enough to raise their profit margins without attracting your attention and prompting you to shop for a new policy.
In contrast, a Stated Value policy (sometimes called “stated amount” or “maximum limit of liability”) does not promise to pay the full vehicle value that’s indicated or “stated” on the policy. With regard to a covered total loss, you may receive less than that stated amount, because the insurer has the right to pay either your vehicle’s depreciated actual cash value OR the cost to replace your vehicle -- whichever is less. Also, many insurers that offer stated value policies (typically standard insurers) require periodic appraisals to affirm the insured amount, adding cost and inconvenience to the client.
The auto insurance market in the U.S. is dominated by a few key players. In fact, the top ten auto insurance companies control more than 72% of the market. While the top ten insurance companies underwrite a large number of policies, they have very distinct characteristics. To help you choose the best insurance company for your situation, we created a list of the top ten largest auto insurance companies in the U.S. and discuss what makes each of them unique.
Erie is the cheapest insurance company, and arguably the most reliable insurance company as well. They score points by allowing customers to start their quote online, which we personally found to be a streamlined and fast process. Erie also scored the highest marks from the number of policies they offer. Erie offers pet coverage, free accident forgiveness, free vanishing deductibles, roadside assistance, and many more, essentially giving its customers a degree of flexibility not even found amongst the largest insurers. Customers of Erie may also be eligible for its Rate Lock program. This is a unique program where customers won't see their rates increase except for three reasons: you move to a different area, add or remove someone from your policy, or add or subtract a car. Lastly, despite its smaller size, Erie offers the same types of discounts larger national insurers provide such as bundling, anti-lock brakes, anti-theft, young driver and senior driver among others.
It’s easy! Simply tell us what you believe the value to be, send us a few photos of your car, and our experts who have decades of experience will consult with you to reach the agreed value. Once determined, that value will never be reduced unless you want it to be. Given the rapid increases in collector car values we are experiencing, it is a good idea to periodically review and adjust the value to remain fully protected.
In the end, you’ll need to determine your exact needs when it comes to coverage and then shop for an affordable policy. Always remember: just because an auto insurance policy is cheap doesn’t mean it’s the best. Picking a policy based on price alone would be like picking a restaurant based on price alone, then being forced to eat there every day for the next year.
Liability coverage is legally required in Tennessee and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Tennessee, the minimum is listed as 25/50/15 and explained below:
The trade-off between large insurance companies and small ones typically involves giving up competitive rates for an improved customer experience. When using a small insurance company for your auto insurance, you’ll likely communicate exclusively with one insurance agent. While you generally lose a personal connection when selecting a large national insurance company, the large auto insurance companies tend to have more financial stability. In fact, the top insurance companies in the country underwrite and pay out billions of dollars per year. Additionally, the large insurance companies are able to leverage their resources to offer drivers lower insurance rates.
Like State Farm, Progressive earned an honorable mention in our nationwide auto insurance review thanks to strong customer satisfaction scores and financial strength ratings. Progressive picked up a three out of five from J.D. Power for both overall satisfaction and claims experiences, plus a Very Good for claims process and an Excellent for claims payment speed from Consumer Reports. What’s more, A.M Best granted Progressive a financial rating of A+: an extremely good rating and a superior level of financial stability.
American Modern is backed by GEICO and provides classic and collector car insurance for a wide array of vehicles. American Modern provides flexible mileage plans, including an unlimited one which is perfect for collectors who like to drive their vehicle occasionally. With American Modern, you also get the largest standard spare parts coverage, as well as 'inflation guard' which ensures your policy scales as your car increases in value.
If you’re an active or former military member — or related to one — then we highly recommend considering USAA for car insurance. USAA provides exceptional customer service and timely, fair claims payments, as evidenced by top ratings in J.D. Power's customer satisfaction survey and Consumer Reports’ claims satisfaction study. USAA also earns some of the best possible financial scores: “A++” from A.M. Best, “AA+” from S&P Global, and “Aaa” from Moody’s. These ratings mean that USAA promises rock-solid backing for your policy, as well as a stable credit outlook in just about any economy.
A car insurance quote from The General® requires no personal information (your name, phone number, street address, etc.) to provide an accurate car insurance quote. Once you receive your anonymous auto insurance quote, there is absolutely no commitment on your part. You can save your auto insurance quote online at any point during the process and return to it at your leisure.