Best Auto Car Insurance Companies 2016

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The best Auto insurance companies offer comprehensive coverage, superior customer service financial strength and of course affordable prices. There are so many Auto Insurance companies, which one is the best, offering high quality insurance covarage and are extremely affordable at the same time? Auto Insurance companies are competing with each other for the whole year, for customers.
Fortunately, that’s pretty good news for Insurance seekers. Competition usually translates into lower rates and better perks as auto insurance companies battle for your business. In fact, you can save a lot of money switching from your current provider to a new one.
Best Auto Insurance Companies 2016
The best way to start searching for the best auto insurance companies is to find companies in your area.
Best for Customer ServiceState FarmWhether you’re new to auto insurance or are simply looking around for a better deal than you have at the moment, here are the best auto insurance companies available in US that we have researched:
  • Best for Military Members and Their Familie MembersUSAA
  • Best for Claims HandlingAmica
  • Best for Policy OptionsGEICO
The 4 Best Auto Insurance Companies
1 – Best Auto Insurance Company for Customer Service: State Farm
State Farm is the largest auto insurance company in the US, according to Insurance Journal. The good thing: they also belong to the best. State Farm customers give the company consistently high marks for their handling of claims — that means they don’t feel like they get the runaround when they need help.
The reason could be because it is very easy to get in touch with State Farm: You can call one of State Farm’s 18,000 agents, go online, or even send a picture of your damaged auto with your smartphone using the Pocket Agent mobile app. State Farm also gets top-notch marks for a pain-free shopping experience that lets prospective customers call their local agent or chat with a representative online if they face any problems or have questions.
  • Highly rated for excellent claims handling
  • Highest financial stability rating
  • Wide range of several coverage options
  • Around 18,000 agents nationwide
  • Easy-to-use website and mobile app
  • Superb customer support
  • Mixed reviews for pricing/value
  • Missing a few discounts, including pay-in-full and automatic pay

2 – Best Auto Insurance Company for Military: USAA

USAA (United Services Automobile Association) is the only company that consistently either matches or even outquote State Farm in customer satisfaction surveys.USAA customers are extremely happy with their claims experiences and customer service. They also give the company top marks for value, which seems to be State Farm’s weak spot.
USAA’s website has a lot of educational materials for car drivers, but the quote process is a tide bit more involved than with the competitors.
The biggest downside to USAA is their limited availability: You or a close family member must be a member or former member of the armed forces to get coverage from USAA, this is why USAA is only the best for Military
The Pros
  • Highly rated for superior claims handling
  • Highly rated for pricing/value
  • Highest financial stability rating
  • Many Solid online educational resources
The Cons
  • Only available to U.S. military members and their families, and some affiliates
  • Time-consuming quote process

3 – Best Auto Insurance Company for Claims Handling: Amica

Amica may keep a lower profile than the auto-insurance giants like Nationwide or State Farm, but their claim to fame is customer claims satisfaction. Amica is J.D. Power’s top-ranked company for customer claims satisfaction in 2014, and they take the runner-up spot in Consumer Reports’ rankings.
Amica does not employ agents, this means they deal with all their customers without a middleman. This could be a pro or a con, depending on your perspective. Another of Amica’s high points is that they allow you to work with your own repair shop after you’re in a crash. This often isn’t the case with auto insurance companies.
On the downside, customers are less satisfied with pricing — certainly a major consideration for customers looking for a deal.
  • Highly rated for superior claims handling
  • Highest financial stability rating
  • Customers can choose their own auto repair shops
  • Easy-to-use website and mobile app
  • Ratings for pricing/value are generally lower
  • Not much online educational resources

4 – Best Auto Insurance Company for Policy Options: GEICO

Though not as much of a household name as State Farm or Progressive, GEICO is the nation’s 2nd largest insurer. They are highly ranked for value — customers are satisfied with the price of their policies relative to the competition. They also offer a wide range of policy options and benefits, including rates based on how much you actually drive your auto and a new-auto replacement program for autos totaled shortly after purchase.
The online quote process is quick and easy, GEICO is also in the middle of the pack for claims satisfaction.
  • Highly rated for pricing (lower than average prices)
  • Wide range of coverage options
  • Very strong financial stability rating
  • Easy-to-use website and mobile app
  • No driver-monitoring program
  • Fewer online educational resources
5 – Other Car Insurance Firms
Progressive is worth checking out because of their wider-than-standard range of discounts that could save you a lot of money. Their Snapshot tool will even monitor your driving habits to see if you can get a bigger break. But, like many of the big insurers, they’re in the middle of the pack for customer satisfaction with pricing and claims.
Allstate comes with comprehensive online tools and resources that help you manage your policy and find out more about car insurance in general. They also have a comprehensive agent network that’s second only to GEICO and State Farm, so they might be a good pick if you want personal service. Allstate fares a bit better than Progressive in claims reviews, but still nabs average customer-satisfaction scores overall.
Two companies with more limited service areas that fare very well in customer satisfaction are American Family Insurance and Esurance.
Both car insurance companies get good ratings for handling claims. Esurance has particularly comprehensive coverage options that include extras such as money toward rental autos after a crash.
The best choice for 2016 is up to the individual, the price you want to pay, how much personal attention you need and more things to consider in order to find the best car insurance company for you.
Choose wisely. Drive Safely in 2016

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