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The Best Auto Insurance Plans

Where Can You Get the Best Auto Insurance?

There are lots of ways to shop for auto insurance online that can help you not only to get the coverage you need but also to understand what you're getting (and what you're not). While you could go right to the website of one of the big-name brands in car insurance, how will you know if there are better, more affordable options out there?

You won't - unless you opt to use a quote service that compares offers across multiple insurance companies large and small. That's much more efficient than filling out quote forms on a dozen or more insurer websites.

Monday, December 5th

2022 Auto Insurance Plan Reviews

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

Insurify

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

Insurify is the best way to buy auto insurance online. Whether you want a policy from a well-known company like Progressive or you want to shop for a good deal from one of the "little guys" , you'll find all of that and more here. The quote tool is easy to use and hassle-free, and you can buy your policy instantly online or work with an agent over the phone: your choice. Thousands of clients give Insurify a five-star rating, and we're sure you'll love this service too. Insurify gets our top ranking among auto insurance providers online.

The Zebra Review 4.5 Star Rating

The Zebra

4.5 Star Rating

The Zebra is one of our favorite auto insurance referral services. You can use the site to get a ballpark estimate of your policy costs or go all-in and get your coverage online. You'll have options from all of the major insurers and plenty of the smaller ones too, and you'll never have to worry about getting spammy emails and texts if you get a quote here. The Zebra is one of the best resources you have when shopping for car insurance.

Savvy Review 3.5 Star Rating

Savvy

3.5 Star Rating

Savvy is a newer option for comparison-shopping your auto insurance, and they take a pretty unique approach: if you're currently insured, you can securely log in with that account and your coverage will be automatically imported to give you apples-to-apples quotes. The company is off to a good start and most customers say that Savvy was easy to use and cost-effective. Our experience wasn't quite as smooth, but we still think Savvy is worth a look.

Gabi Review 3 Star Rating

Gabi

3 Star Rating

Gabi is an auto insurance referral platform backed by Experian, one of the nation's credit bureaus. You can use your current policy information to start the quote process here, though it's not mandatory. We didn't really see quotes that lined up with Gabi's touted "average savings of $961" , and the entire experience here was often tedious (and came with more texts and emails than average). It's not the worst way to get car insurance, but it probably won't be your favorite either.

ValuePenguin Review 2 Star Rating

ValuePenguin

2 Star Rating

ValuePenguin is a LendingTree brand. Using this auto insurance platform can help you learn more about different insurers and how your rate will be impacted by your age and driving history. That's where the usefulness of this site stops, however: not only will you be redirected to another service to actually get your policy, but you can also expect to be inundated with unwanted calls, emails and postal mail once you provide ValuePenguin with your contact info. We'd suggest using this platform strictly for research, not for auto insurance quotes.

CARCHEX Review 1.5 Star Rating

CARCHEX

1.5 Star Rating

CARCHEX could be a great option if you want an extended vehicle warranty or to look up a car's history through its VIN number, but this isn't where you should look for auto insurance. When you enter your zip code to get a quote, this site just points you in the direction of other websites you can use to find a policy. Skip CARCHEX and go directly to one of the higher-rated auto insurance sites in our review.

US Insurance Online Review 1 Star Rating

US Insurance Online

1 Star Rating

US Insurance Online is a referral platform for auto, home, life, and health insurance. Although its parent company, All Web Leads, has an "A+" rating and accreditation from the BBB, we can't find anything to praise about this service. And, offering your contact information could lead to a barrage of unwanted marketing messages. Use a different auto insurance website and skip US Insurance Online.

Compare the Best Reviews

Continued from above...

To get the right coverage for you and any other drivers in your household, you'll first need to know what's required in your state. Some kind of coverage is mandatory no matter where you live, but there's a big difference between the Bodily Injury and Property Damage minimums of 15/30/10 in Arizona, and the 50/100/25 minimums that include Bodily Injury, Property Damage, Uninsured and Underinsured Motorists, and First-Party Medical Expenses for drivers in Maine.

If you're struggling to make sense of that, don't worry. Some online insurance sites can do a good job of explaining exactly what you need to know. But, not all auto insurance platforms are the same.

Some serve strictly as lead generators: your information is passed along, sometimes to unrelated marketing companies, and you may find yourself overwhelmed with calls, texts, and emails long after you've chosen your coverage. It's better to look carefully and choose a website that actually provides quotes from different insurers and can help you get your policy set up, no spam required.

What else should you look for when buying your auto insurance online? Here are a few things to consider:

  • Real-time quotes vs. wait for contact. Some auto insurance platforms give you a quote then and there; you can either click to set it up right away or make a call to finish the process. Other platforms collect your information and pass it along to an agent for a callback. If time is of the essence, choose a service that looks like the former.
  • Available insurers. Where will the policies come from? Can you get coverage from one of the major players in the industry, only from smaller insurers, or a mix of both? Make sure the service you use has the type of insurer with which you feel most comfortable.
  • Information required upfront. What will you have to disclose to get your auto insurance quotes? Eventually you'll have to offer up your driver's license and your phone number, so that your policy can be established. But, most hassle-free options usually give you as much information as possible in your quote before getting quite so personal.
  • Reputation. What do consumers say about their experience with the auto insurance platform? Was it easy to get a quote? Were the rates comparable? How easy was it to get help with a problem or an answer to a question? Has the Better Business Bureau issued a favorable rating?

To help you get the right auto insurance for your needs, TopConsumerReviews.com has evaluated and ranked the best quote platforms available today. We're sure this will make it fast and easy to get the coverage you're looking for. Time to hit the road!

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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.
The Best Reviews of Auto Insurance Plans