Beyond price and discount, you’ll also want to consider the type of customer service you want from a car insurance company. A cheap car insurance policy isn’t a good deal if you have to contend with terrible customer service or jump through hoops to get your claim paid, so weigh what you pay against the type of service you want. Are you most comfortable working with a local insurance agent, or do you want to purchase insurance and make claims completely online, with limited human interaction? Also consider the tools you want from your car insurance company. Some companies have mobile apps to check your policy and make claims, while others offer old-fashioned paper tools. You’ll also want to look at how the company handles claims and repairs. Can you take your car to any repair shop you want, or do you have to work with a shop selected by the insurer? If you have to make a claim, driving all over town to get the repairs done may be an inconvenience you’re unwilling to deal with.
We collected quotes from a variety of insurance companies across 2,700 towns and cities in the U.S, for 128 insurance companies. Our sample driver was a 30 year old male who drove a 2011 Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, and had a clean driving record. The only parameter that changed was the zip code where he lived in the U.S. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.
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.
For more than 85 years, Safeco has delivered new and better ways to protect cars and drivers with auto insurance. If you drive a sedan, hybrid, minivan, station wagon, SUV, pickup truck or anything in between, your local independent agent can provide personalized coverage that's right for you. If trouble comes along, we’ll make sure you’re taken care of every step of the way.