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: Jan 14, 2020

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When shopping for auto insurance, it’s natural to ask who is the best car insurance company; however, the answer will be different depending on a number of factors.

On one hand, you have the car insurance companies that dominate national market share, such as Geico, Allstate, State Farm, and Nationwide. But, on the other hand, you have many highly rated companies who have smaller footprints or offer specialized types of coverage.

There really is no single best company for every driver.

Use our FREE quote tool to compare auto insurance quotes today!

How to Find the Best Auto Insurance Company

There are certainly things you can do to help narrow down your search for a car insurance company. After all, you need to find the best car insurance company for your unique profile and not simply an insurer who seems to be the best based on a poll of 100 people.

A good car insurance comparison search should always:

Define What Type of Insurance You Need

This is critical as if you don’t understand what type of insurance you need, how can you ever choose the best policy option? Learn about auto insurance, and build a good base of the coverage you need before starting any search.

Make a List of Your Details

Most car insurance companies will ask the same information, so make a list that’s easy to read and keep it handy. Providing the same information to each potential car insurance company will make sure you are comparing apples to apples as the quotes received will all be based on the same information.

Some of the most important details to have are:

  • Names and Number of Household Drivers
  • Type of Vehicle and VIN Number
  • List of Vehicle Safety Features
  • Estimated Annual Usage

Understand Car Insurance Discounts

This is very important since a lot of drivers assume they will receive lots of discounts by answering questions. But what if the agency representative does not ask all the right questions? Learn what common car insurance discounts are available, and make sure to ask any potential car insurance company about your eligibility.

From multi-vehicle discounts to good grades discounts (young drivers), a wealth of discounts are available, and ultimately it’s up to you to ask for them.

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Read Car Insurance Company Reviews

Car insurance reviews should be researched based on the experiences of people who have filed a claim. Customer service is a big aspect of auto insurance, and you want to hear from people who have filed a claim as the real test of an auto insurance company is when you have to ask them for money.

Anyone can write a check for premiums, and most customer service representatives are pretty friendly. However, when it comes to using the coverage you have paid for, it’s important to know that the claims handling team is as co-operative as the division cashing your checks.

You may also want to look at industry rating agencies like A.M. Best, Standard & Poor’s, and JD Powers and Associates for financial and customer service ratings. These three agencies make up for most of the awards and financial stability ratings in the auto insurance industry.

While very few of the big car insurance companies ever get a failing grade and ratings can be a little difficult to read (What’s the difference between an A, A+ or A++?), it’s still worth factoring these ratings in your decision process.

Compare

This is a very key word. Your search for car insurance started out as a car insurance comparison search, so never take the first quote or accept a policy until you really have compared enough companies to make a qualified decision.

The best auto insurance company for you doesn’t have to be the winner of an award but just a reliable company that you feel comfortable with, and this can certainly vary depending on whom you speak with.

Compare auto insurance quotes by entering your ZIP code in our free tool today!