Quite simply, Travelers didn’t inspire enough confidence with its claims satisfaction. We know one survey doesn’t paint an entire picture, but Travelers was the lowest-scoring insurer of our top picks. Its J.D. Power score of 851 out of 1,000 is below the industry average, and since our research consistently pointed to claims satisfaction as the best indicator of customer experience, we couldn’t give Travelers the top spot in confidence.
Step 1: Gather your information. To obtain a quote you will need birth dates, an email address, and a previous address in most cases. Also, know what type of car you are driving. This is more than make and model. Know what trim package you have, etc. These little things do matter. If you are currently insured, having your policy handy is not a bad idea.

By contrast, classic auto insurance usually covers your collectible vehicle for an agreed (often called “guaranteed”) value that is mutually agreeable to you and the insurance company – an amount the automobile is worth based on respected collectible car valuation guides like the Old Cars Report Price Guide, an appraisal by a professional, research conducted by the underwriter, or some form of documentation. For instance, if you own a 1957 Chevrolet Bel Air with an 8-cylinder engine and 162 horsepower, Hagerty, a leading insurer of collectible cars, would value that at about $61,000. If you have a collectible car insurance policy in place and that vehicle suffers a total loss, the insurer will compensate you the full $61,000.
It is incredibly easy to get in touch with State Farm. You can call one of the company’s 18,000 agents, go online, or even send a picture of your damaged car with your smartphone using the Pocket Agent mobile app. Compare that to Amica, which doesn’t allow you to connect with an agent via an app, or file a claim through an agent. State Farm also gets high marks for a pain-free shopping experience that lets prospective customers call their local agent or chat with a representative online if they have any questions.
While most collectible automobile insurance policies are relatively similar, the way carriers classify different types of collectible vehicles, including some types they exclude coverage for, is important to understand. Although definitions, years and descriptions can vary from insurer to insurer and state to state, the most common collectible auto categories are below. We generally will use classic and collector car insurance interchangeably for the purposes of simplicity.
Liberty Mutual actually tied Erie insurance for this category, but since we already called Erie the best overall company, we'll describe how Liberty Mutual is well known for a strong shopping experience. Customers of Liberty Mutual report in the study they were particularly satisfied with the flexibility of policies offered by Liberty Mutual, as well as their relationship with Liberty Mutual agents. If Erie is not located in your state, Liberty Mutual can be a good alternative if you can get a competitive rate.

Step 1: Gather your information. To obtain a quote you will need birth dates, an email address, and a previous address in most cases. Also, know what type of car you are driving. This is more than make and model. Know what trim package you have, etc. These little things do matter. If you are currently insured, having your policy handy is not a bad idea.
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Tennessee area, while also getting an insider view of the Volunteer State.

Uninsured / underinsured motorist (UM / UIM) covers costs associated with an accident involving uninsured or underinsured motorists, or hit and run drivers. You can’t control the coverage of other drivers on the road, but if you get in an accident with someone who doesn’t have insurance — or who has insufficient protection — you’ll be forced to deal with the costs yourself. We know it’s frustrating to have to pay for someone else’s negligence, but opting for UM / UIM coverage will be well worth it when you need it.
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Auto-Owners Insurance Group is another powerful contender for customer ratings. In terms of claims satisfaction, Consumer Reports gives Auto-Owners a 93 (eighth place out of 27 companies rated), and J.D. Power dubs the company “better than most.” It also took first place for customer satisfaction in J.D. Power’s survey of the North Central region. To top it off, Auto-Owners matches the coverage selection at other top companies. Add-ons like roadside assistance, rental reimbursement, GAP insurance, new car replacement, and accident forgiveness can help to round out your policy.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.
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