When we were choosing the top 5 car insurance companies 2018, it was very important to have some background information about their offerings and packages. One method that can give a clearer picture of how that company performs is gauging customer satisfaction levels and company reviews by experts. The moment you decide to buy a car for private use, you will, of course, be thinking of aspects such as the cost, make, model, engine type, aesthetic qualities, and several other car features.
It is also very critical that your car is insured with a solid car insurance company with a good reputation, preferably from the top 5 car insurance companies 2018 list. This not only gives you peace of mind but also covers you and the car in case of damage. Most auto insurers are great when it comes to offering nice sounding add-ons to your car policy which in theory seem like great conveniences at an awesome price.
However, using some of these outwardly benign “benefits” may end up marginalizing you in the broader insurance marketplace and even result in steep and jacked-up rates for you! That is why you need to consider our top 5 car insurance companies 2018.
When shopping for your auto insurance, you certainly will not want to be swayed by catchy jingles and funny commercials that all seem to promote a positive customer experience. The majority of TV auto insurance ads promise vanishing deductibles, accident forgiveness, and lots of other appealing selling points. However, the truth is that most of the highlighted features are mainly a side show. The main thing is the reputation of a company in terms of satisfying and honoring customer claims and contributing to the overall customer motoring experience.
For car insurance, it is important to ensure that the deductible offered isn’t too low. A low deductible tends to push premiums higher. In addition, it tempts you to submit a claim for even a minor incident that could leave you in trouble with other insurers in the future.
That is why in this article, we have carried out some in-depth research into some of the leading insurances companies to watch out for in 2018. These 5 car insurance companies 2018 offer more than competitive insurance prices; they are also offering versatile packages, diverse coverage options, outstanding customer service, a superior shopping experience, and are backed by solid financial reports.
Amica is among the top 5 car insurance companies 2018 for good reason. This insurance company has received the highest rating from Consumer Reports among auto insurers. Consumer Reports even goes further and notes that during the process of making claims, a huge number of Amica customers recorded “relatively few” problems.
Amica not only provides comprehensive vehicle coverage but also helps customers in customizing an auto policy to fits their lifestyle and budget. Amica works with a customer service team that is nationally recognized
The policies can be personalized according to your specific protection needs to save your hard-earned money.
Driver and Passenger Coverage
Amica offers a variety of insurance coverage options to cover expenses typically associated with auto injuries to you or your passengers. This includes injuries that are caused by other uninsured drivers.
A broad range of liability cover options are available that protect you in case you are responsible legally for an accident that involves your car.
Platinum Choice Auto
This coverage plan by far surpasses the standard auto plans as it provides superior coverage that includes prestige rental coverage, good driving rewards, full glass coverage as well as a service for identity fraud monitoring.
Roadside Assistance Program
The towing and labour coverage offered at Amica covers roadside assistance. Whether it’s jump-starting a stalled battery, towing your vehicle or changing your flat tire, Amica helps you to get going again fast.
This gives protection for windshield chips and cracks. Amica can even refer you to suitable a repair shop for faster quality service.
Other notable features of the products from this top 5 car insurance companies 2018 contender include:
With over 50 years of cumulative business know-how, Amica is one of the oldest mutual auto insurers in the country and one of our 5 car insurance companies 2018.
Very few automobile insurance companies come close to the national availability and easy online shopping of GEICO, the reason it makes our top 5 car insurance companies 2018 list. GEICO ranks among the country’s most affordable auto insurers - especially for clean drivers, offering lots of accessible discounts and a convenient online buying experience. The overall customer service and claims process have mixed user reviews. However, if savings are your prime concern, then GEICO perfectly fits the bill as they have affordable packages.
The policy and coverage offerings available at GEICO are superior to most. On offer are the standard insurance coverages and several specialized options such as rental reimbursement, rideshare, and mechanical breakdown insurance. One key shortfall when it comes to the GEICO offerings is that it doesn’t have services like gap insurance, crucial to thousands of drivers leasing vehicles.
Auto Insurance Discounts
Besides the sizeable savings from your GEICO policy, you can save even more from the premium reductions and exclusive discounts available on other car and motorcycle insurance from this company.
Every dollar counts these days, so ensure that you check out the GEICO discounts to see how much you possibly could save or drive down your rates with the available premium reductions. Besides other exclusive savings, GEICO offers car insurance discounts based on:
You get huge discounts from GEICO on your auto insurance when you also take a Homeowners, Condo, Renters, or Mobile Home policy.
When you insure multiple cars with GEICO, you could get discounts going up to 25%.
If you own and drive a car, you must have suitable auto insurance. Of course, you have many options and varying insurance rates, but with over 75 years of industry experience, GEICO, one of our top 5 car insurance companies 2018 has what it takes to cover all your auto insurance needs.
At Allstate, you get all the standard insurance coverages you would expect from a top 5 car insurance company. Allstate distinguishes itself clearly from its rivals through the ‘Your Choice Auto’ program. This adds a number of coverages to car drivers that are often lacking from other insurers. It may not have the low rates offered by the likes of GEICO, but it offers something else: rideshare insurance for Lyft and Uber drivers.
Safe Driving Bonus
For every six months of safe driving nationally, you can get a check of up to 5 percent of your previous 6-month premium cost driving. The exception is in New York, where the bonus comes as a premium discount.
When you are involved in an accident, Allstate waives the typical accident surcharge and premium increase. The scope of the forgiveness varies by your driving history and how long you have been an Allstate customer in terms of years. Depending on your accident-free record and the plan level, this could translate to several accidents being forgiven over three years without any rates increase or suspension of your Good Driver Discount.
The feature is, however, limited for drivers who got their insurance in California, and they still could lose their Good Driver Discount.
When you sign up, Allstate shaves a cool $100 off from your collision deductible. For every accident-free year, the insurer takes off another $100.
New Car Replacement: If your new car was bought in 2012 or after, and the car got totaled inside its initial 3 model years, this insurer will send the principal policyholder a check valued at the purchase price of the vehicle's – as opposed to the significantly lower depreciated value.
Auto Insurance Discounts
An additional benefit of the Allstate's products offering is the abundance of discounts. Also noteworthy is the Drivewise Program which rewards low mileage drivers.
Nationwide is ranked among the leading 5 car insurance companies 2018. It began operations in 1925 with only 1,000 policyholders with the incorporation of the Farm Bureau Mutual Automobile Insurance Company by the Ohio Farm Bureau Federation. The company has since grown into a highly respected Fortune 1000 company that boasts of over 30,000 workers.
On Your Side Motto – The insurer has an "On Your Side" motto that has much influence on the way auto insurance policies, premiums are determined, and how claims are handled. Repairs are, for example, done through Nationwide’s auto body shops network that typically comes with some written guarantees.
On Your Side® Claims Service
In case of an accident, obviously, you will want things to get back to normal as soon as possible. You simply file your claim and pick a repair shop within the Nationwide network to get your written guarantee for faster service.
Using the AutoWatch feature, the car owner is able to keep tabs on the process of repair by learning about and following the ten set steps of the auto repair process. You can also look at photos of your automobile during various stages as it gets fixed.
Nationwide rewards safe drivers. Every year, their exclusive reward program reduces the car insurance deductible by $100 for safe driving. This is, however, an optional feature.
The top 5 car insurance companies 2018 insurer has numerous ways of lowering your car insurance rates that include the following:
The insurer offers car insurance plans at rates that are exceedingly affordable. The low rates, roadside assistance, and wide coverage are particularly suited to the low-earning car owners. Nationwide has grown from a local small insurance company to a company that has branches across the entire America, joining the top 5 car insurance companies 2018.
Allianz is one the leading 5 car insurance companies 2018 operating on nearly every continent. This international insurance company has deep roots in the home markets of Europe and Asia Pacific. The company is also present in Africa and America but with different emphases. The global expertise of Allianz offers the insured peace of mind through reliable protection, irrespective of whether you are abroad or at home.
It would be very stressful for you if your car got destroyed during a natural disaster as staying mobile become a hassle. The goal of Allianz is to support you in making such times as smooth and stress-free as possible.
The Allianz Packages
These are wide ranging, starting with comprehensive auto coverage to several specialized car insurance products, the Company offers flexible insurance solutions designed to meet both individual customer and local needs. This is a major factor why Allianz has made it to our list of top 5 car insurance companies 2018.
Some products offerings include:
Besides the standard damage and accident coverages, Allianz offers their customers a first in terms of specialized legal protection and foreign travel assistance when using your own car.
Accidents on roads are a major cause of death. For that reason, the Allianz Centre for Technology (ACT) automobile specialists are constantly investigating ways of reducing or even avoiding unnecessary accident damage. The ACT findings help in boosting traffic and road safety thus keeping your insurance premium rates lower.
The emergency assistance subsidiary of the Company, Allianz Global Assistance, operates with a global network of 180 correspondents, 400,000 service providers, operation centers scattered in 27 countries – reaching almost every corner of the world hence why it concludes our top 5 car insurance companies 2018 list.