Car insurance is a necessary expense. Choosing the right auto insurance provider can be overwhelming. How do you know which companies are trustworthy and which are just out to take your money? While price is definitely a factor in choosing the best insurer, there are many other things to consider when shopping for car insurance. Enter your ZIP code into our FREE auto insurance comparison tool to see the considerations affecting your rates.

The first step in buying auto insurance is to compare multiple quotes from local and national companies. A promise means nothing from an insurer that doesn’t pay out claims promptly. If you find a company that meets your requirements, check its financial strength and customer service.

Look for auto insurance carriers that offer specific and tailor-made policies. Ask for recommendations and read customer reviews. Here are some of the best rated auto insurance companies on the market:

Nationwide has been offering insurance and financial services for over 80 years. With more than $135 billion in statutory assets, Nationwide is one of the largest insurers in the United States. The company sells personal and commercial auto insurance, ATV insurance, motorcycle insurance, homeowners insurance, and flood insurance. Customers can also purchase identity theft coverage, pet insurance, and accidental death insurance for community groups.

The Nationwide auto insurance company provides numerous discounts. If you bundle your home, auto, and life insurance with Nationwide, you will save up to 25 percent. Customers who insure more than one vehicle can save as much as 20 percent. Nationwide also offers discounts to those who insure a vehicle with full front-seat airbags. The company features a special program that drops your deductible $100 for each year of safe driving.

Farmers auto insurance is a leading insurance provider servicing over 20 million individual customers and more than 10 million households across all 50 states. Founded in 1928, Farmers is the third-largest insurer of automobile and homeowners insurance in the United States. The company provides personal and business insurance policies, including auto, homeowners, and motorcycle coverage. Business customers can purchase workers’ compensation insurance, umbrella insurance, and property insurance.

Drivers can choose from liability insurance, collision insurance, and comprehensive insurance. Farmers also offers uninsured/underinsured motorist protection and medical payments coverage at a price that fits your budget. The company sells collectible auto insurance packages for antique cars, muscle cars, foreign cars, and hot rods. In addition to standard coverage, Farmers provides emergency roadside assistance, accident forgiveness, and extended customized equipment coverage. Customers can get free auto insurance quotes in less than five minutes.

Established in 1926, Kemper Preferred is one of the best rated auto insurance providers in the nation. The company offers premium insurance products to more than 755,000 policyholders throughout the country. Kemper Preferred is rated “A-” (Excellent) by A.M. Best. Customers enjoy competitive rates and innovative coverage options. They can buy coverage for their homes, cars, condos, jewelry, and artwork.

Car owners who insure vehicles with Kemper auto insurance can keep their premiums down by applying for the discounts that are being offered. They can also combine their home and auto insurance policies to receive a more comprehensive coverage at a better value. Customers can file and track claims, pay their premiums, and access their policies through the company’s website.

State Farm auto insurance operates in the United Sates and Canada. The company is ranked 34th in the 2010 Fortune 500 and has more than 82 million customers. Founded in 1922, State Farm specializes in homeowners, renters, auto, life, and business insurance. Customers can also opt for long term car insurance, disability insurance, and farm insurance. The company handles nearly 35,000 claims per day.

If you buy car insurance from State Farm, you can save up to 40 percent on your policy. Drivers can apply for accident free discounts, multiple vehicle discounts, good student discounts, and bundling discounts. The company offers a special discount to those with less than nine years of driving experience who have successfully completed a State Farm Safety Education course. Customers may also qualify for loyalty discounts and multiple line discounts.

Travelers auto insurance is the nation’s largest insurance company by market value. With over $104.6 billion in total assets, Travelers offers commercial and personal property and casualty insurance products through its 14,000 independent agents. The company was founded in 1864. Customers can opt for auto insurance, renters insurance, homeowners insurance, boat insurance, wedding insurance, and valuable items coverage.

A standard auto insurance policy from Travelers can cover medical payments, bodily injury and property damage liability, collision with other vehicles or objects, and injuries caused by uninsured/underinsured motorists. The company offers over 15 discounts to those who insure two or more cars or pay their rates upfront. Customers may qualify for hybrid vehicle discounts, home ownership discounts, new car discounts, and accident forgiveness.

Liberty Mutual has been offering affordable auto insurance products and services since 1912. The company has received an “A” (Excellent) rating from A.M. Best. With over $112.35 billion in consolidated assets, Liberty Mutual is the eighth-largest provider of auto and home insurance in the nation. Customers have access to a wide range of products and services, including auto, homeowners, and life insurance.

The company offers standard auto insurance policies with extra features such as unlimited rental coverage, new car replacement coverage, and accident forgiveness. If you buy coverage from Liberty Mutual, your car insurance price is guaranteed for an entire year. Customers can pay their premiums by mail, online, or automatic deductions.

Choosing a well established car insurance provider has many benefits. The companies listed above offer massive discounts, special bonuses, and flexible policies at affordable rates.

Some of them provide a wide range of options such as monthly payments, quarterly payments, or bi-annual payments. If you want to get the best deal on car insurance, you will need to shop around and compare multiple quotes from different companies.

Compare auto insurance quotes, review car insurance and get your low car insurance quote now.


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