When it comes to protecting your car, you've got a lot of options. There are some car insurance policies that do a better job than others at covering the specific needs of high-value cars or drivers with multiple claims on their record.
Company One: GEICO
GEICO offers a variety of car insurance policies that provide different levels of coverage. The most basic policy, called the liability policy, covers damage to other people and property if you are at fault in an accident. This is the minimum amount of coverage required by most states.
If you want more protection, you can add collision and comprehensive coverage to your policy. Collision coverage pays for damage to your car if you are involved in an accident, regardless of who is at fault. Comprehensive coverage pays for damage to your car from events such as fire, theft, or vandalism.
GEICO also offers several discounts that can save you money on your premium. Some of these discounts include savings for good drivers, multi-policy holders, and members of certain organizations.
Company Two: USAA
USAA is a car insurance company that offers many benefits to its policyholders. Some of these benefits include:
- Rental car reimbursement: USAA will reimburse you for the cost of a rental car if your car is damaged in an accident.
- Emergency roadside assistance: USAA will provide you with emergency roadside assistance if your car breaks down or you have a flat tire.
- Towing and labor coverage: USAA will cover the cost of towing your vehicle to a nearby service station if it breaks down. They will also cover the cost of labor if you need to have your car towed.
- Discounts for safe drivers: USAA offers discounts to policyholders who have a clean driving record.
Company Three: Liberty Mutual
Liberty Mutual is one of the top car insurance companies and offers a variety of benefits to policyholders. One of the main benefits of Liberty Mutual car insurance is the company’s 24/7 roadside assistance program. This program provides policyholders with access to 24-hour roadside assistance, as well as a tow truck if their vehicle is disabled.
Liberty Mutual also offers a variety of discounts on car insurance premiums, including discounts for good drivers, multi-policy holders, and more.
Company Four: Progressive
Progressive is one of the top car insurance companies and offers many different types of coverage. The company has a variety of policy options, including liability, collision, and comprehensive coverage. Progressive also offers a number of discounts, such as for safety features, good driving records, and more.
Company Five: State Farm
State Farm is one of the top car insurance companies and offers a variety of benefits to policyholders. These benefits include discounts on premiums, roadside assistance, and rental car reimbursement. State Farm also offers accident forgiveness, which means that your rates will not go up after an accident.
You can also get discounts for being a safe driver, having multiple policies with State Farm, or taking a defensive driving course.
Benefits of each Car Insurance Policy
Each car insurance policy offers different benefits, so it's important to know what you're looking for before you purchase a policy. Here are the top benefits of each type of car insurance policy:
- Liability insurance: This is the most basic type of car insurance and it covers damage to other people or property that you may cause while driving. It doesn't cover any damage to your own vehicle.
- Collision insurance: This type of insurance covers damage to your own vehicle in the event of an accident, regardless of who is at fault.
- Comprehensive insurance: This is the most comprehensive type of car insurance and it covers damage to your own vehicle from a variety of causes, including theft, vandalism, and weather damage.
- Medical payments/personal injury protection: This type of insurance covers medical expenses and sometimes lost wages if you or your passengers are injured in an accident.
- Uninsured/underinsured motorist coverage: This type of insurance protects you if you're in an accident with a driver who doesn't have enough (or any) insurance to cover the damages they caused.