The time to choose car insurance is very delicate. We cannot opt ​​for any alternative that is presented to us. Preferably it is better to sit down and see what the options are and see which of them would suit us best.

In this article we are going to talk to you about the best car insurers in the United States . We have taken as analysis certain factors such as its coverage, price and digital access platform. This way you can choose the auto insurance that suits your needs.

The best car insurers in the United States

Car insurance companies seek to provide you with the ideal service so that you can be calm behind the wheel at any time. In some cases they will offer you unbeatable prices and in other different types of policies, some perhaps more complete than others.

One of the aspects to take into account in the following list of options is that the insurer’s customer service may be more important to you than the cost, or on the contrary. In any case, the idea is that you can know in detail what they offer so that later you can decide which is the best car insurance in the United States .

Travelers Auto Insurance

It appears on the list for being one of the most complete car insurance companies. To be precise , it provides 14 supplemental coverage options . This means that you have an important range of possibilities when choosing the one that best suits what you need.

According to the financial company AM Best, it has an A++ classification , that is, the highest. Also, according to the JD Power claims satisfaction score, it has 866 out of 1000 .

Regarding discounts, we were able to identify that they provide users with 16 variants. So you can access an excellent policy at a price according to your economic capacity.

Among the aspects to be highlighted is that it includes forgiveness for accidents and GAP insurance . Also, if you live in Colorado or Illinois and you are an Uber or Lyft worker , Travelers Auto Insurance is the option you have been looking for since it offers special coverage for these cases.

Regarding the discounts of this insurance, we can mention that if you pay your premium in a timely manner, you will have access to benefits . The same will happen if you sign up for a policy early and renew it before your contract ends. This shows that it is a company that rewards its long-standing customers, but also new ones.

One of the interesting points offered by this car insurer is a lower price for students who achieve a B average or higher. They also have a special plan for those who live far from their schools and must constantly move from one destination to another.

However, we need to highlight the negative points . When it comes to claim resolution, Travelers Auto Insurance is not a major player. With the aforementioned rating according to the JD Power scale, it makes it one of the insurers with the lowest score in this category. In any case, it is positioned as one of the best car insurance companies in the USA .

State Farm Auto Insurance

One of the high points of this car insurance company is the customer service it offers. It has more than 19,000 advisers ready to help you with any inconvenience that may arise. Even if for some reason you cannot contact them by phone, you have an APP at your disposal so that your problem can be solved.

Its digital accessibility makes State Farm Auto Insurance one of the most outstanding insurance companies , since not all of them have this alternative. On the other hand, it is worth noting that they offer special coverage similar to that of Travelers for Uber and Lyft workers.

In terms of insurance, they cover accidents and emergencies on the road . In case you resort to the latter, you will have a trailer, shipping and delivery of gasoline, change of tires or battery and locksmith. This insurance also offers civil liability plans.

If you are interested in their proposal, you can quote a policy online. In reference to the quality of care, according to JD Power , it has one of the highest ratings ( 864 out of 1000 ).

It’s worth adding, that State Farm is the choice of 9.76% of people with cars in the country , according to the National Association of Insurance Commissioners (NAIC). Regarding discounts, they offer the following:

• Promotions to good students (you will also benefit if you study away from home).
• Access to unbeatable prices for being an excellent driver.
• If you use the «Drive Safe and Save» application you will access 30% less on your policy.
• They have defensive driving and passive retraining courses.

In addition to being one of the best auto insurance, State Farm offers other types of policies : home, personal, life (either whole, term or universal), for people with disabilities and even a supplemental medicare.

Tips when hiring a car company.

There are a number of aspects to take into account when choosing a car insurance:

1. Financial capacity. 

This means that it has sufficient solvency to be able to pay you for any accident or situation that has arisen with your car .

It is very important that you choose an insurer that has a relatively high rating. We see this, for example, according to the research provided by AM Best and based on the Insurance Information Institute (III), which recommends obtaining indicators from various agencies.

More specifically, it must have at least an “AA-“ from S&P Global or an “Aa3” from Moodys , the former indicating very strong and the latter excellent. Therefore, as long as the category is higher, you ensure that the company will be able to pay what you need at any time.

2.Have a simple process for receiving claims.

The latter refers to the ability to solve problems. The idea is that you take out a policy with an insurance company that is there for you at any time. We want the complaints procedure to be made simple for us. You can see this aspect reflected in the score that we present to you according to JD Power . Each of the ones that we previously specified exceed 850 , so they are within an acceptable value.