Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Sep 16, 2019

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Car insurance reviews are an important part of buying auto insurance but what is the difference between Allstate and State Farm or Esurance and the General Car Insurance Company?

There are many questions to ask when shopping for car insurance and choosing the right car insurance company is an integral part of obtaining coverage.

Car insurance reviews have value in a number of ways with the most important being (a) identifying car insurance companies for your profile and (b) weeding out less desirable providers.

Most auto insurance companies are good choices but many of them also have specialized target markets where drivers outside of this primary market may not benefit as much as they would by choosing another insurer.

It’s critical to read auto insurance reviews just as you would read car reviews before buying a vehicle as the test of any car insurance company comes when you have to file a claim, not when they are simply asking you to pay premiums.

Use our FREE quote tool to compare insurance rates now!

Who is the best car insurance company?

When comparing car insurance companies and reading auto insurance reviews you want to pay attention to the following points.

Company Ratings

Industry ratings agencies like A.M. Best, Standard and Poor’s, J.D. Powers and Associates and others publish ratings on car insurance companies across a number of variables including financial strength, customer service and more.

While most drivers cannot tell the difference between an A++ and an A or a Superior vs. Excellent rating the most important use of these ratings is to identify companies who have bad reviews.

In terms of how strong a car insurance company its rare that a company rated A++ is really any different than a company rated A but when a company receives a falling grade then these auto insurers should probably be moved to the end of the list.

Market Share

A car insurance company’s market share is important since it provides a true measure of how many other drivers trust the auto insurance provider for their car insurance needs.

There is safety in numbers and if you choose a car insurance company that has a consistent market share it certainly will provide peace of mind.

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Specialized Insurance

This is where a lot of drivers fail in obtaining the right coverage. Do you know the cost of car insurance for a Chevrolet Corvette can be much cheaper with a collector car insurance policy?

How about drivers who have a few speeding tickets and are charged exorbitant premiums with some of the big name companies – many insurers specialize in high-risk insurance and often have lower rates than typical providers for some driver profiles.

Understand your needs and find car insurance companies who specialize in the type of insurance you need.

Policy Term

While most car insurance companies offer only 6-month policies if you need a longer-term there are several insurers who offer 12-month policies. Always ask about how long a term you can buy car insurance for.

Policyholder Comments about Filing a Claim

Car insurance reviews are very important but try not to pay much attention to reviews who say one car insurance company is more expensive than the next. Almost every car insurance company is guilty of this in one way or another and this is why shopping for car insurance is always in your best interest.

Instead, focus on the car insurance reviews from customers who have been through the claims handling process and try to find out if the process was smooth, did they get paid on time, did they get a fair settlement, etc.

Filing a claim and how a car insurance company treats a claim is the ultimate test of an auto insurance company.

We understand its natural to favor one car insurance provider over another due to the funny ads on TV or how many times you see a billboard claiming switching to car insurance company A will save $500 but that is the job of the marketing teams.

Your job as a responsible consumer is to find the best car insurance company for you and your family and sometimes the best provider is not the one spending $50,000 a week on a billboard sign.

Always compare auto insurance companies equally. This means comparing policy coverage with the same levels of coverage from several different providers.

Use our FREE quote tool to compare insurance rates now!

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