ALTHO 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 am a couple days late on payment. DARN ALLSTATE! They paid the other party over and over and over, even though the damage to my fender was worse, they only had a slight tap on rear end, but got FULL VALUE for their 'destroyed' car, and all 5 occupants got PT and chiropractic visits 3x 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!

Liberty Mutual just dropped my family because of two claims that were made on my daughters car. She had her car at school freshmen year and It was parked and hit on the rear corner closest to the road. It wasn’t her fault and no one came forward to admit to the accident. She no longer has a car at school, and drives rarely when she’s home. The second accident was when she was pulling out of the carport and her front bumper caught a wooden railing when she was backing out. That was her fault, but an accident. Isn’t that why we have insurance????? Before I got this letter from Liberty mutual, I sang their praises. I will loudly have bad things to say from now on. Don’t count on Liberty Mutual
For instance, a moving violation affects your driving record for three years in most states. Once you know it has been three years since your ticket, there’s no need to wait for your current auto policy to expire. You can immediately quote a new policy that will no longer charge you for that violation. The same goes for an at-fault accident, which will typically affect your rate for three to five years (but can vary by state and carrier). In addition, Progressive offers discounts for being ticket- and accident-free.
Milewise (an Allstate company) is worth looking into if you drive very little, though we can’t get rate estimates because it requires a device to plug into your car to track mileage. You’re charged a daily rate, plus a per-mile rate, and the company says customers who drive 135 miles or less per week can save 10% or more. The less you drive, the lower your insurance bill, but if you want to take a road trip, don’t worry — you won’t be charged for more than 150 miles per day.

Grundy wants you to enjoy your car, not keep track of mileage like some programs with limitations.  Therefore, we give you unlimited miles for pleasure driving and in collector car-oriented activities.  It is even OK if occasionally you drive your collector car to work to show it off to friends.  However, your collector car must not be used as a daily driver.  We require you and all licensed drivers in your household to have a modern car for everyday use.
Best Insurance Company I've ever had. They may not be the cheapest but if you rate your insurance companies on price I hope you never have a claim. You will be shaken to the core to see what the cheap guys do when you have a claim. With American Family we called Russ our agent and his staff helps us through the whole process. When we talked to the claim 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 car and had less the 10000 miles on the 7 year old car. The adjuster came back with an amount I felt was low. He showed me how he came up with the value. I told him the car was truly worth more then the average excellent condition 1993. He talked to our mechanic and the the body shop guys to get their input to the condition of the car. He increased the offer by 33%. He had to get approval from the company to do this. He and my agent went to bat for us and we were paid what I considered a fair price for ...more
Being in the business for a very long time, I have found that most people are clueless about insurance, even most agents who sell them. I will agree that their rates are cheap. But I wouldn’t recommend them. Inexperienced adjusters. They do not fully investigate. The policy does not cover like, kind, and quality which is bad if you have a new vehicle.
The cheapest car insurance, period, will likely carry the minimum coverage required in your state. In most states, this is liability insurance only, which covers property damage and medical bills for others due to accidents you cause. Some states also require uninsured and underinsured motorist coverage, which pay for your injuries or damage if an at-fault driver doesn’t have enough insurance.
Want to know how much a particular model car costs to insure in your state? The car insurance comparison by vehicle tool will tell you. It provides average car insurance quotes for approximately 3,000 models. This tool is a great way to compare insurance quotes on various vehicles before making a decision on which one to buy. Knowing the cost of insurance is a vital part of the car-buying process because it affects your overall car budget.

NerdWallet averaged rates for 40-year-old men and women for 20 ZIP codes in each state and Washington, D.C., from the largest insurers, up to 12 in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:
After our analysis of 2,700 cities and 128 companies, we found that Erie was the most affordable major insurer in the country with an average yearly rate of $1,052 based on our sample driver - about 31% cheaper than the national average across every insurer. The very largest of the five is GEICO, the second largest auto insurer in the U.S. by market share.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
The cheapest car insurance, period, will likely carry the minimum coverage required in your state. In most states, this is liability insurance only, which covers property damage and medical bills for others due to accidents you cause. Some states also require uninsured and underinsured motorist coverage, which pay for your injuries or damage if an at-fault driver doesn’t have enough insurance.
I've dealt with them on two homeowner claims (for my grandmother) and three auto claims (a $68k 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 and 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."

State legislators set limits on how much a company can increase your rates after a crash. Our hypothetical accident resulted in only $2,000 worth of damage. That caused average annual rates to spike by $1,000 or more in some states, while others jumped by far less. One thing’s for sure: Your rates will definitely increase after an at-fault accident, so be sure to compare car insurance rates if you have one on record.
Advertising Disclosure: TheSimpleDollar.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. The Simple Dollar does not include all card/financial services companies or all card/financial services offers available in the marketplace. For more information and a complete list of our advertising partners, please check out our full Advertising Disclosure. TheSimpleDollar.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.

Superior mobile app: Geico’s mobile app offers the full suite of their services; you can quote, buy, and manage your insurance, pay your bill, get roadside assistance, and submit a claim from your phone. Basically anything you can do on their website, you can do in the app. In the App Store, Geico has over 1.14 million reviews and a 4.8 out of 5 star rating. This is significantly more users–and far more rave reviews–than apps from their competitors.


Advertising Disclosure: TheSimpleDollar.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. The Simple Dollar does not include all card/financial services companies or all card/financial services offers available in the marketplace. For more information and a complete list of our advertising partners, please check out our full Advertising Disclosure. TheSimpleDollar.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.
In many cases, the legal minimum insurance won’t be enough to cover costs if you cause an accident. If you total someone’s luxury car, for example, their repair costs could easily exceed a $25,000 ceiling. Any damage that surpasses your limits has to come out of your own pocket. That’s why for most drivers it’s wise to select higher limits, such as 100/300/50.
One of the best ways to get cheap car insurance is by comparing car insurance quotes — and the companies offering them. To get you started, NerdWallet looked at car insurance prices across the country for different driver profiles and coverage levels to find the cheapest rates. We’ve sliced the data in several ways to give you an idea of average costs and what factors might nudge your car insurance rate up — or even better, down.
I was with AAA for the longest time in my life, promised to lower my premium, but when it was time to put out they said that's our best price for 2 cars and my home around 2k. I called AARP ( Hartford insurance) and they gave me a price of $1,200 LOTS of savings for the same coverage. Then I had one car left and wanted a price from AAA $3,200 just for 1 car and Hartford $740. Are these insurance for real! Apparently only Hartford is not greedy FOR THE SAME COVERAGE. When I had an accident about 5 months ago (not my fault) State Farm had a max coverage of 25K in Vegas ( you guys watch out for this) was told to get the initial sum from Hartford -NO PROBLEM very nice and followed up all my problems. My advice all you 50 year olds try and contact Hartford and ask, you have nothing to lose.
In many cases, the legal minimum insurance won’t be enough to cover costs if you cause an accident. If you total someone’s luxury car, for example, their repair costs could easily exceed a $25,000 ceiling. Any damage that surpasses your limits has to come out of your own pocket. That’s why for most drivers it’s wise to select higher limits, such as 100/300/50.
Had GEICO in the military, switched to Allstate, for car & house. A "Common Sense" company. They stood behind us for over 2 years of a law suit, because of our good record! Some kids plowed into us with his junk heap, No insurance, No State license, & they were suing for so much, as our agent said: to set themselves up for a "life of Riley"! Great folks who work for them too & Now we get rebates, 2 x a year, for our good driving record!

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.

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