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The Best Auto Insurance Plans

The 5 Best Auto Insurance Plans

Where Can You Get the Best Auto Insurance?

Auto insurance laws vary from state to state, but every state requires some form of coverage. Carrying sufficient auto insurance is the best way to protect yourself, your family and car if you are ever involved in an auto accident.

Neglecting to purchase auto insurance can cost a driver thousands of dollars in repairs and medical bills. There are also many legal risks involved with not purchasing auto insurance. The penalties vary by state, but you could lose your license, incur hefty tickets at routine traffic stops, and have a hard time renewing car tags and plates. That's part of the reason why we recommend purchasing auto insurance.

Saturday, September 24th

2022 Auto Insurance Plan Reviews

Top Consumer Reviews Best-In-Class Blue Ribbon Award Esurance Review 5 Star Rating


5 Star Rating Top Consumer Reviews Best-In-Class Blue Ribbon Award

Esurance was one of the earliest companies to sell insurance online. They have been a major player in the auto insurance industry for 20 years. They operate on a direct-buy basis with no sales agents. Lower overhead, lower prices! Not sure what kind of auto insurance you want? Esurance offers a coverage counselor online that will help customers figure out what coverage is right for them. There are many options when shopping for auto insurance, we feel Esurance does a great job of helping customers find their perfect plan and price.

Esurance has a very easy website to navigate. Their homepage brags about how "painless" it is to shop for insurance on their website. You can purchase insurance for autos, homes, motorcycles, renters, condo, health, life, business, and more. To check out rates you need to select what kind of insurance you're looking for and enter in your zip code - time to get a quote! Just enter your personal contact information, car(s), drivers, insurance requested and voila - your quotes will appear. You can easily compare insurance quote options side by side and make an informed purchasing decision.

Best Auto Insurance Plans

If you're undecided on what type of auto insurance you want - check out CoverageMyWay. You can personalize your liability, medical and vehicle protection. If you are still unsure, simply call the 1-800 number listed on their website to speak to a licensed agent.

Want to save even more money? There are 3 more ways you can cut costs with Esurance:

  • Switch and Save Discount. Switch from another insurance company and save
  • DriveSense. Drive safe, and you can save money.
  • Bundle Up. Buy more than one policy from the same carrier and save.

Esurance is backed by Allstate, a leader in personal insurance. With Allstate's financial backing and know-how, Esurance is a great option when shopping for auto insurance. Esurance has an A+ financial rating and A- Better Business Bureau rating. Esurance operates in just 43 states, so it might not be available to everyone depending on where you live. But if you're in one of the many states covered by Esurance, you owe it to yourself to check them out for your auto insurance needs. They earn our highest rating.

Carchex Review 4.5 Star Rating


4.5 Star Rating

Carchex offers a full range of auto coverage plans on their website. Carchex is committed to finding consumers the highest level of coverage at the lowest price. Auto insurance can be very expensive and confusing for many buyers. The Carchex insurance group is available to help you decide which policy will fit your needs. Consumers can feel secure using Carchex, which is a trusted partner of Carfax, Kelly Blue Book, and Edmunds. They also have an A+ rating with the Better Business Bureau.

The Carchex website is easy to navigate and find exactly what type of coverage you are looking for. At the top of the screen you can select vehicle protection, inspections, auto insurance, auto finance and roadside. When selecting auto insurance, you are directed to a new page where you will fill out all the information needed to get a free quote. They request vehicle details (mileage, year, make, model), personal details (name, zip, email and 2 phone numbers) and your desired coverage. After your information is entered you can select the "get an instant quote" button.

Best Auto Insurance Plans

Now that you've submitted your quote request, you have access to their easy to use website that displays auto insurance quotes and a product comparison tool prepared by your Carchex representative. Your information may also be sent to up to three service contractors or brokers who may contact you via email or phone to help with your coverage options. Once you've provided your information, Carchex may send you periodic emails about special promotions, news and other things happening at Carchex.

Carchex works with several of the largest insurance companies (Travelers, Progressive, and so on). You should feel confident that the auto insurance plans you review from these companies will provide adequate and reasonable coverage.

Many consumers believe Carchex offers very affordable coverage plans. If you have any questions while reviewing your quotes, you can call and talk with a knowledgeable Carchex representative.

Once you've found the perfect auto insurance plan, you can purchase it directly on their website. If you have more questions you can do a live chat or call the toll-free number listed on their website. Overall, Carchex is a great option when looking for auto insurance.

Allstate Review 4.5 Star Rating


4.5 Star Rating

Allstate has been working to keep people in good hands since 1931. The company has continued to evolve and be a leader in the insurance industry. Allstate offers a slew of options for insurance - auto, home, renters, condo, motorcycles, boat, pet - just to name a few. Allstate offers competitive pricing, an easy claims process, agents available 24 hours a day/7 days a week and numerous discounts. We can see why people choose Allstate.

Allstate offers a very informative and detailed website. The auto insurance quote page offers buyers the ability to start off with getting a quote. But if you aren't ready for that step, they offer a bunch of information on auto insurance. Find out how much a new car monthly payment could cost, should you purchase a car with cash or credit, learn more about coverage and policies, what discounts are available, learn the basics on why people need car insurance, learn what is required state to state.

Best Auto Insurance Plans

There is so much information available on their website to educate buyers and give them the knowledge to make a good decision. Now that we are ready for a quote - it's time to get started. Type in your zip and hit go. Next, you enter your personal contact information, vehicle information, email and coverage requested. After all of this information has been entered you will receive auto insurance quotes from local Allstate agents. Note that these quotes are just estimates; the actual quote may vary higher or lower based on additional information you provide to the agent.

You will receive the contact information and location of each of these agents so that you may contact and purchase your policy. Or leave your information and they will contact you. Unfortunately, customers can't purchase their policy online - you have to work with your local agent.

Allstate also offers a bundle and save program. If you are looking to purchase insurance for anything else, now would be a great time to think about combining your other insurance coverages.

Allstate offers buyers multiple ways to contact them for help. They offer a toll-free number, email address and mailing address. There is also an option to find your local Allstate agent to speak with directly. Allstate offers multiple discounts to save policy holders money. They offer new car discounts, multiple policies discount and smart student discounts.

Allstate outperforms a lot of insurance companies when it comes to their claims process, customer satisfaction, online tools, and resources for insurance policies. They tend to be on the higher side when it comes to the cost of auto insurance, but at the end of the day their resources and knowledge could save you a lot of money. We think they're worth it.

Geico Review 4 Star Rating


4 Star Rating

Ever wondered what GEICO stands for? Government Employees Insurance Company. The company started as an insurance company that targeted US Government employees and military personnel. Obviously, over the years that has changed and GEICO now services over 16 million auto policies and covers over 27 million vehicles. GEICO is known for offering affordable auto insurance policies and the independence to manage your accounts online at any time with an easy to use app.

Who doesn't love the GEICO lizard?? He's graced many commercials and ads that we all know so well, so of course he's the first thing we see on the website. The home page is very easy to navigate and is not cluttered. GEICO's most popular form of insurance is for automobiles - but they also sell insurance for homes, renters, condos, boats, and more.

Best Auto Insurance Plans

To start your quote all you have to do is enter in your zip code. On the next few pages you will enter in your personal information and details about your vehicles or whatever you are looking to insure. Decide what type of coverage you need - liability, medical, vehicle or uninsured motorist. Make your selections and after you are complete you will receive your insurance quotes. You have the option of saving your quote, modifying it, or purchasing it directly. At anytime if you have questions you can call GEICO, reach them through live chat, or through their mobile app.

GEICO has received a 97% customer satisfaction rating. They have agents available 24 hours a day, 7 days a week at your disposal. The GEICO app is easy to use and client can manage every aspect of their policy on the app. GEICO offers more ways to save discounts for auto insurance. They offer discounts for buyers based on car features, accident-free driver, driver education graduate, federal employee discounts, and so on. If you purchase multiple policies through GEICO you are also eligible to save.

GEICO offers a very comprehensive website to purchase auto insurance. The main home page is pretty basic, but if you poke around you'll find all of the information you need to purchase the your auto insurance. GEICO is limited when it comes to a few types of insurance (such as Gap insurance), and at times claims have been reported to be difficult to file online. Customers complain about frustrating customer service experiences, miscellaneous fees appearing on their account, and claims that take too long to pay. Still, overall we think GEICO is a very good option when looking for affordable auto insurance.

US Insurance Online Review 2 Star Rating

US Insurance Online

2 Star Rating

US Insurance Online is not an actual insurance company, but rather a company that links together policy buyers with insurance companies. After filling out a survey they find the best insurance company matches for buyers and put them in contact with each other via email or phone. Unfortunately, they don't advertise how many matches a buyer may have, so buyer beware, you could be bombarded with numerous insurance agents offering free quotes.

US Insurance Online offers buyers the opportunity to link up with auto, health, home, life and annuity insurance agents. They believe that protecting life's biggest investments should require attention and detail. So working one-on-one with a real insurance agent that can answer your specific questions is the best way to get your perfect coverage. Instead of driving around visiting multiple insurance agent offices, you just sit in the comfort of your own home and have them contact you.

Best Auto Insurance Plans

While that sounds nice, US Insurance Online requires that you agree to all communication from the companies that they share your information with. This could be overwhelming and annoying, especially if you continue to be contacted after you have purchased a policy. Unsubscribing from all of these websites and email lists could become a frustrating and time consuming process.

US Insurance Online website is pretty straightforward. You type in your zip code, select auto insurance and submit. Next comes the slew of questions: vehicle information, driver information, desired insurance coverage, previous incidents, and contact information. Once all that is done, you wait for the phone calls and emails in order to get your quotes.

US Insurance Online doesn't have a customer support link on their website. There is a local number and address at the very bottom of the webpage, but no other form of communication. The relationship will really be between you and the insurance agents that contact you. We think the personal contact could be nice and helpful if that is what you're looking for - but you can also get that with other companies ranked higher in our review.

Compare the Best Reviews

Continued from above...

There are so many auto insurance options available online, it can be confusing trying to find the right one for you. Buyers can opt to shop with a broker, or purchase from a company that provides their own policies. But whichever direction you take, shopping online for auto insurance offers you the widest possible selection right from the comfort of your own home.

When shopping for Auto Insurance, there are many factors to consider. Some of these include:

  • Choice. Does the site deliver competitive quotes from a variety of carriers, or just one quote from a single company?
  • Convenience. Does the site give you real price quotes that you can use to purchase your insurance online? Or do they merely put you in touch with insurance agents over the phone?
  • Cost. How does the quoted rate compare with what you pay now? Remember - rates are determined by your driving record, driving experience, location and safety features of your car.

TopConsumerReviews.com has reviewed and ranked the best auto insurance quote providers available today. We hope this information helps you find the best auto insurance to meet your needs!

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Auto Insurance Plan FAQ

Auto insurance is used to provide financial protection from physical damage or bodily injury caused by a car accident. It is a contract between you and an insurer that says if you pay a monthly or yearly premium to have insurance, the auto insurance company will take care of costs that arise in the event of an accident. Your insurance might cover things like damage to or theft of your car, legal responsibilities, or medical costs to treat injuries and rehabilitation.
Everyone needs car insurance. Motorists who drive without insurance can receive hefty fines from police officers if they are pulled over. In other cases, their car could be impounded or their driver's license revoked. If you're in a car accident that causes harm to another person or their property, you would be responsible for 100% of the cost which could easily equal tens or hundreds of thousands of dollars. Many states have a pay-to-play rule which states that if you're in a car accident and it's someone else's fault, you can only collect money from their insurance if you have car insurance of your own. In short, it's extremely risky and an overall bad idea not to have auto insurance.
Many auto insurance companies have calculators on their website that ask you a series of questions to help you get an estimate of your monthly or yearly auto insurance cost. If you have a solid driving record and want good insurance, you can expect to pay somewhere around $300-$500 per year. Oftentimes you can bundle and save if you put more than one vehicle on your auto insurance. If you get a speeding ticket or are a responsible party in a car accident, it's more than likely that your insurance rate will go up. This is because the insurance company looks at you as a higher liability.
Some of the main factors in determining auto insurance rates are your driving record, how often you use your car, where you live (e.g. are you somewhere where vandalism rates are high?), your gender and age, the kind of car you drive (e.g. how much would it cost to replace?), and the type of insurance you want. There is no one-size-fits-all insurance policy, so you'll be asked about all of these things when you apply for auto insurance. You may also get discounts for being a good student, bundling more than one type of insurance (like homeowner's and life), or even for being married!
You can change auto insurance policies at any time. If you find somewhere that offers you as good or better car insurance than what you currently have for a better price, go for it! Although it is a minor pain to shop around and fill out the paperwork to make the switch, you can do it at any time. There are no penalties for changing auto insurance companies, but be cautious of the companies that make you pay termination fees.
Some online companies will take your information and match you to the best auto insurance companies around. Others will let you sign up for an auto insurance policy with them directly. It's as simple as finding a highly-rated auto insurance group and filling out an application. You'll be asked for basic personal information and some details about your driving history, location, vehicle, and other things.
It doesn't hurt to get quotes from multiple auto insurance companies. It's a no-brainer that you want to get the lowest premiums possible. Check the company's Better Business Bureau rating and make sure the insurance is comprehensive in offering everything you would need in the event of an accident. As long as the auto insurance company is known for having good customer service, you should be safe signing up for a policy with them.
If you're involved in a car crash, fender bender, or your car is stolen, call your insurance company. It's also wise to get the auto insurance information of all other parties involved so that the companies can work together to sort things out. When you contact your own insurance company, they will ask you any relevant questions about the situation you're in and walk you through the process to give you the best coverage possible.

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