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Commercial auto insurance covers cars used for business purposes as well as box trucks, food trucks, service utility trucks, and more. Whether it's transporting goods, using your vehicle to conduct a service, or employees operating a vehicle, you may need a commercial auto policy. Learn more about commercial auto insurance and see examples of when you need it. Or call us at (866) 509-9444.

The Hartford is only the nation’s 11th largest insurer, but it still packs a punch. In fact, it had the highest score in my 12-category feature evaluation (92 out of 100). It also offers a wide range of policy options and benefits (including rates based on how much you actually drive your car and a new car replacement program for cars totaled shortly after purchase) and was the only insurer to score a perfect 100 in our vehicle-discount evaluation.
Whether you live in Dallas, Austin, Houston, or anywhere in the Lone Star State, Elephant Auto Insurance has you covered. Elephant offers affordable auto insurance coverage and many other products to Texas drivers. If you’re looking for the cheapest car insurance, our many discounts can help you save on Texas auto insurance. Get a car insurance quote online or call one of our licensed agents at 1-877-21-TRUNK.
Many insurance companies offer a discount for enrolling in their telematics program, which means they’ll monitor your driving through either a phone app or small, installable tool. Some companies will offer a discount just for allowing them to track your driving, while others will monitor while you drive and offer price reductions based on your skills.
Let’s say you live in Florida and cause an accident that injures another person to the tune of $40,000. If you only have the state’s minimum bodily injury protection ($10,000 per person, $20,000 per accident), you’d be responsible for the remaining $30,000. But, if you had purchased more than Florida’s minimum — say $50,000 per person and $100,000 per accident — you wouldn’t have to pay a single dime out of pocket.
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.
When your goal is finding the best policy at an attractive price, it pays to compare several of the highest rated companies side by side. When figuring out which companies to highlight, we looked at several auto insurance related studies, including J.D. Power’s Auto Claims Satisfaction Study. From those studies, we handpicked several companies that received high ratings across the board.
Customers aren’t very impressed by Liberty Mutual’s claims process or payouts. It’s ranked among “the rest” in J.D. Power’s survey, which falls at the bottom of the scale. It also earned a relatively low Consumer Reports score of 88 (or 23rd place out of 27 companies scored). Finally, Liberty Mutual didn’t quite meet the bar we set for financial stability. Its “A” from S&P Global and “A2” from Moody’s come up a little short of our requirements. These scores are still respectable — indicating an ability to pay out on claims — but mean that Liberty Mutual has a slightly poorer credit outlook in the event of a financial downturn.
Choose from one of our three mileage plans -1,000, 3,000, or 6,000 miles- to tailor your policy to your needs. For example, say you plan to attend a number of car shows this year but only manage to make it to one. No problem. We offer rollover miles from one year’s policy to the next. We understand plans change and we don’t feel you should lose miles just because you didn’t use them.

Modified Car Insurance: defined by many companies as being significantly altered in its engine, body, chassis or interior from its original condition, which can negatively or positively change the value; many insurers will not provide collectible coverage for these types of vehicles (for example, an antique car in which much of the stock equipment has been replaced or that runs on nitro fuel).
Consumer Reports offers an extremely helpful guide that highlights the steps you can take to find the best policy for your needs. Even if you’re fairly happy with your policy, they suggest shopping around to compare rates at least every two or three years. That way, you have a good idea of where car insurance rates are headed and how much you could save if you switch. Plus, it never hurts to shop around. Based on your age, your driving record, and other factors, the policy you have now could be considerably cheaper if you switched firms.
There are two other methods that come immediately to mind. First, you could pay your premiums annually or semi-annually. Some car insurers offer anywhere from a 3% to 10% discount for doing so. The other thing you can consider is increasing your deductible. That's the amount of money you pay out of pocket before insurance kicks in, so you'd pay more in case of an accident, but your monthly premium would be lower.
That’s right! Infinity offers a free DriverClub® membership to everyone, even if you don’t have an Infinity insurance policy. DriverClub® is an industry-leading 24/7 roadside assistance program. Enjoy extraordinary service without the hassle of an annual membership fee. Simply pay for assistance as you need it. Join Infinity DriverClub® today and experience supreme peace of mind!
Other pros of Progressive include it being an online company. You can get a quote directly from the Progressive website without having to speak to an agent. Cons of Progressive involve its customer service. Customers in the J.D. Power survey only gave mediocre remarks for Progressive for its buying experience and claims handling process. It isn't the worst, but Progressive is far from the best in the field. Because of this, Progressive might be the best insurer ideally for customers prioritizing low rates, especially after an accident, and do not mind a bit more cumbersome claims handling process.
We followed a similar methodology to our review of nationwide auto insurance providers, taking a deep dive into the offerings of the five largest insurance providers in Arkansas. We examined each insurer’s financial stability, using ratings from A.M. Best, to determine whether each insurer would have enough financial resources to pay off expensive claims. We also looked at customer service ratings from industry leaders J.D. Power and Consumer Reports, evaluating customers’ overall experience with each insurer and their satisfaction with the claims process. Though each provider has its own strengths and weaknesses, we recommend obtaining multiple quotes from different insurers before making your decision.
Many companies advertise free auto insurance quotes. Any car insurance quote you receive is and should be completely free. Insurance companies want to incentivize you to purchase a car insurance policy from them, so they’re not going to charge you for an upfront assessment (the quote). When shopping around for insurance, remember you can find free car insurance quotes from a variety of sources.
Although it’s not hugely impactful, drivers with a Masters or Ph.D. save $44 per year on car insurance premiums, compared to those without a degree. Car insurance companies see clients with higher education levels as less risky and reward that decreased risk with a lower premium. The only states that do not consider education when determining rates are California, Massachusetts, Georgia, Hawaii, and Montana.

Collision and comprehensive only cover the market value of your car, not what you paid for it—and new cars depreciate quickly. If your car is totaled or stolen, there may be a “gap” between what you owe on the vehicle and your insurance coverage. To cover this, you may want to look into purchasing gap insurance to pay the difference. Note that for leased vehicles, gap coverage is usually rolled into your lease payments.
Although it’s not hugely impactful, drivers with a Masters or Ph.D. save $44 per year on car insurance premiums, compared to those without a degree. Car insurance companies see clients with higher education levels as less risky and reward that decreased risk with a lower premium. The only states that do not consider education when determining rates are California, Massachusetts, Georgia, Hawaii, and Montana.
In times of need, we stand by you. We’re here to make sure you have the right coverage for your needs. And should an accident occur, our claims service will be there to help when you need it most. If you’re comparing our quote or policy to another insurer, be sure to understand the value of the coverage you’re considering. Compare apples to apples. Make sure driver and vehicle information are the same. Our auto policy is the only one backed by an On Your Side promise.
Like regular car insurance, there are several parts with classic and collector car insurance. Some insurers like J.C. Taylor require your classic car be at least 19 years old, while others like Grundy will insure a car of any age. Availability of discounts should also be a consideration, as Safeco gives you a percent off your premium if you bundle your classic car policy with a regular auto policy. Another underrated feature is an inflation guard, which will increase your protection limits as your car appreciates in value. You can see a full list of each company's benefits below.
Keep in mind that these requirements are precisely that: the minimum allowable coverage. If you cause an accident with damages exceeding your policy, you’ll ultimately be responsible for paying whatever’s left, and those costs can add up quickly. If you live in a state with low minimum requirements, it’s a good idea to select additional coverage so that you’re not left footing the bill for auto repairs or costly hospital visits.
Yes, we offer a discount to customers who pay in full in most states. Where applicable, discounts are offered to customers who pay their auto insurance policies in full for both 12-month and 6-month policies. In addition, some states offer discounts when choosing to pay quarterly. No matter what you decide, you can have faith you’re getting cheap car insurance that’s worry-free.
We identified the auto insurance companies with the cheapest rates, but, as with anything, you want to be sure you are getting high quality service from your insurance company. Reliable car insurance companies are critical in ensuring a smooth customer-insurer relationship. There are a few factors we deemed most important to evaluate a company on which affect policy holders' satisfaction, such as, the average shopping experience, customer service, ability to resolve complaints, and quote filing process.
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