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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: May 6, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

Most drivers have a wealth of auto insurance companies to choose from and having to decide on a single one can be difficult.

After all who really has the best customer service or the cheapest auto insurance rates? If you choose one auto insurance company can you still really save another $500 by switching to a new one?

While it can seem impossible to ignore auto insurance advertising you do have to ultimately choose one provider and that means focusing on the best one for your unique needs, not the one with the best commercials.

How much is auto insurance per month? Compare Auto Insurance Quotes online.

Talking about auto insurance is something people rarely do and a large percentage of drivers simply chat with a few people (many who often have a vested interest in selling insurance) before buying a policy.

In order to find the best auto insurance company however, there are certain things you really need to do.

Ask Friends and Family

You can never go wrong by asking friends or family for a personal recommendation of an auto insurance agent. This helps narrow down the list and provides a comfort level advertising can rarely achieve.

However, the key is to find people who have filed a claim and experienced how an auto insurance company handled writing them a check.

Almost everyone has a good experience with the customer service department – what you need to know is how friendly and efficient the claims handling team is.

Contact Your State Department of Insurance

A lot of states are now publishing a list of licensed auto insurance companies online and this information is quite valuable as it often includes comparable rate information and more.

You also want to know who is licensed to sell auto insurance in your state and the state department can usually provide a very current list of providers.

When you narrow down the list of potential auto insurance companies call the state department back asking about the consumer compliant history of any potential provider.

Learn about Discounts

Although the auto insurance industry is huge there is no obligation for auto insurance companies to publish all the available discounts or even offer them to you.

However, you can get around this and maximize your potential savings by learning about the available auto insurance discounts in the marketplace.

Anytime you request a quote make sure to always ask about any discounts not included on the initial inquiry form or the agent failed to mention.

Ask Local Mechanics and/or Body Shops

When an accident happens you will need a body repair shop and auto insurance companies will cut a check to these people.

Local body shops are a great resource since they can often provide an opinion on how quick a car insurance company handles claims and if they have fair adjusters. Some body shops can be biased but if you have a trustworthy mechanic don’t forget to ask them!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

Visit Local Insurance Agents

There may be a little more pressure here especially if you need auto insurance right away however that is why you should never wait until the last minute to purchase coverage.

By visiting some local agents you will not only expand your knowledge of how auto insurance works but get a feel for the customer service they provide.

You have to be careful here, however. If you stand your ground and resist the urge to buy from the first agent with a smile you can learn a lot of valuable information from local auto insurance agents.

View Customer Service Ratings

While almost every auto insurance company has a financial rating provided by companies like A.M. Best and Standard & Poor’s these ratings are really more for institutions than private individuals. After all, what is the difference between an A+ or A+++.

Many auto insurance companies are all rated high enough to pay future claims so as long as you watch out for the ones with bad ratings you should be alright.

The focus should be on surveys like the JD Power & Associates National Auto Insurance Study and similar ones which grade auto insurance companies on everything from cost to product offerings from policyholders.

Although even these studies have faults since many auto insurance companies are excluded from studies based on size, exclusivity and other factors. Again, ratings are just one piece of the puzzle but are certainly worth reviewing.

What else can you do to find the best auto insurance company?

Auto insurance is a critical element of financial protection in the event of an accident so you need to choose a provider who has a solid reputation for customer service and claims handling.

Most drivers start a search online for auto insurance as this provides access to a wealth of knowledge about how auto insurance works and helps with establishing a list of potential auto insurance companies.

You can never do enough research to find the best auto insurance company but if you don’t do enough it is very easy to have a claim denied after a car accident.

Start an auto insurance comparison search today. Compare Auto Insurance Quotes online

Related posts:

  1. Where can I find auto insurance company ratings?
  2. Who is the best auto insurance company?
  3. How do I deal with my car insurance company after a car accident?
  4. When can a car insurance company deny a claim?
  5. 21st Century Car Insurance Company Review