If you buy a car, you can't avoid giving your car insurance, without insurance, you can't go on the road! So buying car insurance is naturally the top priority, when buying a new car, there may not be much choice, because most of the car dealers are cooperating with insurance companies, buying a car there, you can only go to a certain company's insurance, so when buying a car, you can directly handle the insurance together. But when the insurance expires, you can freely choose to change companies, so how to choose so many car insurance companies in the United States? Many people will choose to bundle their own car insurance with home insurance, which can reduce the premium, but is it really cost-effective? It depends on the situation. The following Xiaobian has compiled a comparison and recommendation of the top 6 American auto insurance companies for everyone, Progressive, Liberty Mutual, Geico, Allstate, State Farm, Farmers Which is the most suitable? Which insurance company is the best? What about these insurers? I believe that after reading this article, you will have a clear choice! Full of dry goods, friends who need to buy car insurance hurry up get it!!

the cover image comes from freepik.com and the copyright belongs to senivpetro

1. Liberty Mutual

【website address】:https://www.libertymutual.com 

Liberty Mutual has been established for more than 100 years, with a market share of 5.02% in 2017, and has insurance business in a total of 17 countries in the world, in addition to auto insurance business, there are also home insurance, life insurance and property insurance. Liberty Mutual offers standard custom policies where you can add several types of optional insurance, including:

1. accident forgiveness: if you haven't had a car accident or traffic violation in five years, then your premium will not increase due to an accident. this coverage is not available in california and may vary from state to state.

2. replace your car with a new one: if your car is within the first year and the first 15,000 miles, then you will get the cost of the new car, not just the depreciation value.

3. better car replacement: this will take the replacement of the new car one further: if your car is measured by any age or mileage, you will get a new car reimbursement of 15,000 miles less than the new car.

4. Deductible Fund: When you add this feature to your policy, Liberty Mutual creates a "fund" to lower your collision deductible. The insurance company contributes $70 a year, and you contribute $30 a year.

5. spread insurance: if your car totals and your loan or lease owes more than it should, the difference insurance will pay the difference.

Teachers' car insurance is a unique service offered by Liberty Mutual. Although you may not be able to use it where you live, it does not have any additional costs for teachers, including:

vandalism protection. if your vehicle is damaged during a school-related activity or on school property, there is no deductible. (in pennsylvania, a $100 deductible is required.) ）

Personal property insurance. If your teaching materials or school-owned property are stolen or damaged while riding, Liberty Mutual will reimburse you for up to $2,500 per incident.

collision coverage. if your car is accidentally damaged while driving for school business, there is no deductible. (in pennsylvania, a $100 deductible is required.) ）

Liberty Mutual's car insurance discounts:

Although Liberty Mutual's discounts vary from state to state, basically the following benefits are available:

1. purchase with home insurance to get a discount.

2. u.s. servicemen on active duty, retired or reserve service may receive certain benefits.

3. Get a Quote from Liberty Mutual before your current policy expires.

4. for students, get good grades or leave the car at home while living outside of school.

5. drive a hybrid or electric vehicle.

6. it has safety functions such as anti-lock brake, adaptive headlights and anti-theft device.

7. avoid accidents and traffic violations.

8. purchase insurance with multiple cars at home.

9. have multiple "free mutual aid" policies, such as bundled housing and car insurance.

10. pay the full premium upfront or sign up for automatic payment.

11. purchase the policy online.

12. Become a new Liberty Mutual client.

13. In some states, you can also enjoy discounts that allow Liberty Mutual to monitor your driving. Apps on your phone or small tracking devices in cars can measure acceleration, braking, distance, and more. You can get a registration discount, which can be changed later depending on the level of driving safety during the 90-day assessment period.

the cover art comes from libertymutual.com, and the copyright belongs to the original author

What are the advantages of Liberty Mutual?

1. online inquiry, you can get 12% or more discount;

2. provide multiple types of coverage;

3. there are substantial discounts as noted above;

4. powerful digital tools;

5. there are specialized apps.

What are the disadvantages of Liberty Mutual?

1. satisfaction with claims is lower than average, and service efficiency is poor;

2. customer satisfaction ratings are below average.

【Extrabux rebate situation】:

Successfully registered for Extrabux Rebate Network, (What is Extrabux Rebate Network?) There is also a $20 welcome bonus for new user registration! If you purchase insurance through the Ultrabux link on the Liberty Mutual website, you can get up to $5 in super cash back. (Support multiple withdrawal methods)

In addition, invite new users to register and successfully place an order on any of the sites that cooperate with Extrabux, you can also get $5 rewards to return to your account, major e-commerce companies at home and abroad have cooperation with Extrabux, friends who love online shopping do not miss, but in vain to get up to 30% of the rebate Oh ~ ~ before shopping, go to the Extrabux website to search for the name of the website you want to shop, you can see the specific rebate situation.

2. State Farm

【website address】:https://www.statefarm.com/

Headquartered in Illinois, State Farm is currently the largest auto insurance company in the United States, with the highest market share of 18%. The advantage of State Farm is that it is a local offline agent to contact policyholders and develop personalized insurance plans and charges. State Farm's service covers 37 states, but because State Farm offers fewer discounts, Quote feels that premiums are much more expensive than those of his insurance company.

1. State Farm's car rental and travel expense coverage is superior to that of its competitors. If your car accidentally collides, State Farm's car insurance will not only pay for your rental car, but it will also pay for meals, accommodation, and transportation if you're 50 miles from home. Coverage applies and varies by state, and you need to have full or collision coverage to opt in.

2. Safe Driving and Saving: This usage-based program calculates discounts based on your mileage and "safe driving" measurements such as smooth acceleration and braking. It also takes into account risk factors such as speed and time of day used. After State Farm analyzes your driving habits, you'll get a 30% discount. Availability and discounts may vary.

3. The Steer Clear Driver Program is a driver training refresher course that is available online through an agent or through a mobile app. State Farm offers savings for drivers under the age of 25 who have completed the course and have not had a faulty accident or violated traffic laws in the last three years.

4. Rideshare Ride Insurance: If you're driving for a company like Uber or Lyft, this option allows you to create a policy that covers both personal and ride-hailing use. This option is not available in all states.

Car Insurance Discounts at State Farm:

1. no accident discount.

2. discounts for driver safety classes.

3. students receive discounts at school.

4. good driving discount.

5. discounts are available if all drivers under the age of 21 in your vehicle have completed an accredited driver training course.

6. good student discounts.

7. vehicle safety discount.

8. passive constrained discounts.

9. have a discount on anti-theft equipment.

the cover image comes from statefarm.com, and the copyright belongs to the original author

What are the advantages of State Farm?

1. many discounts are offered, including two plans - one for safe driving and the other for young drivers;

2. plenty of car hire and travel expenses covered

3. J.D. Power says that the customer satisfaction rating for car insurance is above average.

What are the disadvantages of State Farm?

1. State Farm offers fewer discounts than other auto insurers, and Quote feels that premiums are much more expensive than those of others.

3. Progressive

【website address】:https://www.progressive.com/ 

【Website Introduction】:Progressive, the third largest in the United States, was founded in 1937, and the most famous is to give higher-risk insurance households, such as drivers who have had accidents, young drivers, novice drivers or student drivers.

Progressive offers the usual auto insurance options, as well as other typical add-on options such as roadside assistance and car rental coverage. Depending on your own needs, you can choose:

1. Difference Insurance: Under this insurance, Progressive will pay up to 25% of the total price of your car to cover the loan or lease balance. You must purchase both comprehensive and collision insurance to purchase difference coverage from Progressive.

2. value of custom parts and equipment: used to repair or replace custom accessories added to the car.

3. pet injury protection: if purchased collision insurance is included. if your pet is injured in a car accident, it will pay veterinary fees.

4. deductible savings bank: if you have comprehensive insurance and accident coverage, you can choose to join this plan, which will reduce your deductible by $50 every six months, all the way up to $0.

5. Rideshare insurance (driving insurance) is available from Progressive: This is not an option in all states. The typical insurance offered by a ride-sharing company only covers the time between accepting carpools and dropping off passengers. This add-on insurance extends your personal car policy at any time after you enable the app, so you'll be covered even between rides.

In addition Progressive offers two types of accident forgiveness:

1. minor incident forgiveness: for claims under $500, the company will not increase your premium.

2. Large-scale accident forgiveness: If you have been insured for Progressive for at least 5 years and have been accident-free for at least 3 years, then even if a large-scale accident occurs, the company will not raise your premium.

Progressive's car insurance discounts include:

1. multi-strategy discount (if multiple plans are combined, the average discount is 12%).

2. multi-car discount.

3. discounts on continuous insurance (even with another company).

4. Install Snapshot to track your driving habits and get discounts.

5. teen discount.

6. good student discounts.

7. if you get an online car insurance quote, you can get a discount.

8. discounts are available for signing policy documents online.

9. discount is available if you pay the six-month policy in advance.

10. set up discounts for automatic payments from your checking account.

In addition, Progressive offers Snapshot, a free opt-in program that collects information about your driving habits, including speed, how much to drive, and when. Progressive can adjust your insurance rates up or down on your next renewal based on usage data and automatically receives an enrollment discount (the discount doesn't apply to policyholders in Alaska, Hawaii, or New York). Data is collected from the device or mobile app you insert into the vehicle. This is similar to Liberty Mutual's monitor.

the cover image comes from progressive.com, and the copyright belongs to the original author

What are the advantages of Progressive?

1. the third largest personal auto insurance company in the united states;

2. if collision insurance is purchased, pet injury protection is included;

3. Enjoy Rideshare coverage on your app at any time;

4. discount items are numerous and deep, convenient to purchase;

5. there are specialized applications;

6. if you have ever been in a traffic accident while driving, the price will not be exaggerated and will be relatively friendly to those who have been insured and re-insured.

What are the disadvantages of Progressive?

1. limited options for additional insurance;

2. Lower than J.D. Power's average rating of customer satisfaction in auto insurance shopping.

4. Geico

【website address】:https://www.geico.com/   

Geico's owner is Buffett, the second-ranked auto insurance company in the United States. They're also very well advertised, with the gecko with a strange accent and the famous "15 minutes could save you 15 percent or more" ad that is familiar throughout the Country. According to the data, there are 2.4 million vehicles insured in the United States, a total of 36,000 employees, and 9 regional offices, 3 service centers and 3 claims processing centers in the United States. GEICO started with many U.S. government employees and military personnel, but has now expanded to the general public.

GEICO offers a lot of preferential discounts, so the rates are quite cheap in comparison; And the mobile app is also doing a good job, and it is very convenient to view and replace the policy. The downside is that if you have taken an accident, or have an accident record, then the price after the adjustment is not so friendly.

In addition to typical car insurance options, Geico offers:

1. mechanical breakdown coverage: the warranty covers the repair of all mechanical parts of a new car that have a service life of less than 15 months and a mileage of less than 15,000 miles, except for problems caused by wear and tear. there is a $250 deductible. the mechanical breakdown range can be renewed for up to seven years or 100,000 miles( whichever comes first) and does not pay for routine maintenance, such as commissioning.

2. Rideshare Ride Insurance: If you're driving to a ride-hailing company like Uber or Lyft, or a delivery service like Instacart or GrubHub, this option allows you to create a policy that covers personal use and ride-sharing. You can only replace your existing car insurance policy with this hybrid insurance policy on ride-sharing vehicles. Geico's ride insurance is available in 40 states and the District of Columbia.

Geico's car insurance discounts:

Geico has a lot of car insurance discounts, so you're likely to find a price deal that suits you. Although details vary from state to state, you may be eligible for the following discounts:

1. have safety devices such as airbags, anti-lock braking systems, daytime running lights or anti-theft systems.

2. own three or more new cars.

3. driving for five years without accidents.

4. complete a defensive driving course or provide driver education for young drivers.

5. if you or someone on your policy is a full-time student aged 16 to 24 with good grades.

6. participate in the emergency deployment of the us military.

7. be an active or retired member of the military or national guard or reserve.

8. become an active or retired federal employee.

9. Use Geico to provide insurance for multiple vehicles.

10. Insurance policy for homeowners, tenants, apartments or mobile homes purchased through Geico.

11. become a member of an organization such as an alumni association or sports group.

12. If you live in Connecticut, Illinois, Oregon, Pennsylvania or Wisconsin, Geico may also offer you discounted promotions to help you track your driving situation through your phone. The DriveEasy app measures habits such as speeding, hard braking, and using your phone while driving. To apply the price offer, all drivers listed on your policy must be involved. Similar to Progressive's Snapshot.

the cover image is from geico.com and the copyright belongs to the original author

What are the advantages of Geico?

1. few complaints, and customer satisfaction with auto insurance claims is higher than average;

2. powerful website and mobile applications;

3. customer satisfaction is good, there are many exclusive discounts, so the price is relatively low.

What are the disadvantages of Geico?

1. Gap Insurance is not provided (gap insurance is taken into account when renting or taking out a loan to buy a car, which means that when the insured vehicle is completely destroyed due to an accident, the insurance company will pay the insured the difference between the claim and the loan. ）

2. ONCE THERE IS AN ACCIDENT RECORD, GEICO PREMIUMS WILL RISE A LITTLE PAINFULLY.

【Extrabux rebate situation】:

there is no cashback at this time.

5. Allstate

【website address】:https://www.allstate.com/

【Website Introduction】:Founded in 1931, Allstate and State Farm operate in the same way, relying heavily on local agents to provide offline services, especially for customers who like to have face-to-face contact with people and like insurance companies to provide personalized services. Their online system is also well planned, and if they don't want to call the Agent, they can actually complete the payment, change the details of the car or increase the insurance driving online, and they can also claim claims online. And Allstate won the overall consumer satisfaction of J.D. Power last year.

Allstate offers the usual automatic coverage options, as well as some optional features that you can add (depending on your state) for an additional fee, including:

1. accident forgiveness: this means that even if it's your fault, your premiums won't increase because of an accident.

2. Safe Driving Bonus: Every six months of accident-free driving with Allstate, you can receive a check.

3. Deductible Rewards: For people who do not violate driving each year, your collision deductible will be reduced by $100, up to a maximum of $500. When you sign up, Allstate gets a discount on the first $100.

4. replace with a new car: if you have purchased a new car in total in the first two years, you can get a check for the new car, not just the depreciation value of your car.

5. Three different curbside assistance services are available: pay-as-you-go (as an add-on to the car policy) or Motor Club from Allstate (similar to AAA's subscription service).

Rideshare Insurance: Allstate's "Ride for Hire" coverage is an add-on service for customers who ride ride services such as Uber and Lyft. This policy does not apply in all states. Rideshare's full coverage is only effective when you're carrying a passenger, with limited coverage between rides. Allstate's Ridesharing insurance is built into your regular policy and covers the entire time you open the app.

Allstate also has some features that don't come at extra cost, such as:

1. Car Purchase Service: When you use this service, Allstate advertises discounts and savings, a service that provides information about what others are paying for the same type of car, including rewards and fees.

2. Claim Satisfaction Guarantee: If you are not satisfied with how your claim is handled, Allstate will provide up to six months of credit for your car insurance premiums. In available states, all standard policies provide a guarantee free of charge.

3. miles: depending on the mileage you travel, mileage insurance has a daily base rate and a per-mile rate. if you don't travel frequently or don't commute long, this type of insurance may save you money. this policy is not available in all states.

4. Drivewise: Allstate offers you a discount on the use of its Drivewise app, which analyzes your speed and braking behavior, among other things. You can safely earn cash every six months and then earn bonus points for shopping discounts. Even non-customers can enroll in the Rewards Points Program, but not every state is available.

Allstate's car insurance discounts include:

1. new car offer.

2. multi-strategy (bundled) discount.

3. good student discounts.

4. if your car is equipped with anti-lock braking system, you can get a discount.

5. there is an anti-theft system that can be discounted.

6. early sign-up discount.

7. if you have not received a cancellation notice for a cancelled payment in the past year, you will receive a discount.

8. set up discounts for automatic charges.

9. discounts are available for advance payments.

10. safe driving discount.

the cover image comes from allstate.com, and the copyright belongs to the original author

What are the advantages of Allstate?

1. there are many student-related offers online;

2. generous allowances, including accident forgiveness, new car replacement and a safe driving bonus every six months;

3. ride insurance is available in many states.

What are the disadvantages of Allstate?

1. customer satisfaction is average;

2. customer satisfaction ratings are below average compared to other companies.

【Extrabux rebate situation】:

there is no cashback at this time.

6. Farmers

【website address】:https://www.farmers.com/

Farmers, as its name suggests, initially only covered rural farmers' transportation, and has since expanded its territory to be the seventh largest insurance company in the United States. Farmers' insurance coverage and programs are diverse, in addition to car insurance and home insurance, there are even pet insurance, investment insurance and so on. Farmers' services are available in all 50 states, offering a variety of discounts, service quality, and efficient claims processing.

In addition to offering standard coverage, Farmers has several options, including:

1. New car replacement: If your new car has a combined 24,000 miles in the first two years, Farmers will pay for the replacement.

2. accident forgiveness: it is possible to avoid an accident, which means that if you do not have an accident, the accident rate will not increase, and driving every three years will not increase the accident rate.

3. Loss of Use: Farmers reimburses you for a rental car, taxi, ride-sharing or public transportation when your car is in a store or in total after an accident, and most companies only cover rental cars.

4. custom equipment range: if you have custom parts installed on your car, such as chrome rims or a new stereo system, this option can extend your policy to cover those parts that have been stolen or damaged. you must have collision and comprehensive insurance to opt in.

5. Original Equipment Manufacturer (OEM) Coverage: If you're in a covered wreck, the original equipment manufacturer (OEM) will pay your automaker for replacement parts instead of cheap auto parts. You must have collision and comprehensive insurance to opt in, and your car model must be within 10 years of the current calendar year.

6. Driver's insurance: Companies like Uber or Lyft typically offer limited liability insurance for drivers when the app is turned on, which is fully covered when you accept a ride and have passengers on board. Farmers Carpool Insurance expands your personal car policy, fills gaps, and provides coverage between rides, so you'll always be covered while you're working on a ride.

Farmers' car insurance discounts vary from state to state, but may include:

1. good driver discounts.

2. multi-car discount.

3. multi-strategy (bundled) discount.

4. discounts are available when joining a professional body.

5. good student discounts.

6. discounts are available for driving alternative fuel vehicles.

7. discount as a homeowner.

8. if your car has some security or anti-theft features, you can get a discount.

9. teen driver discount.

10. discounts for drivers under the age of 25 in your family.

11. for children who are at least 100 miles away from the school, you can enjoy a long-distance student discount if you do not use your vehicle regularly.

12. pay your policy discount in full.

13. electronic payment discounts.

14. continuous policy discount is applicable to the commencement of the policy and no recent lapse of the car insurance.

15. discounts for completing driver safety courses.

16. Signal by Farmers is a program that uses a smartphone app to monitor your driving behavior. Once you download and start using the app, you will receive a 5% discount on your policy, and the discount can be increased by up to 15% or more the next time you renew your policy, based on the driving score calculated by the app. Discounts are also reduced based on your driving score, and the program isn't available in every state.

the cover image comes from farmers.com and the copyright belongs to the original author

What are the advantages of Farmers?

1. if you have a new house and you can buy home insurance together, the premium will be cheaper;

2. multiple insurance options for home and car insurance;

3. the number of complaints is less than expected relative to the number of complaints;

4. there are a lot of discounts.

What are the disadvantages of Farmers?

1. although there are many discount items, the overall premium is still more expensive.

【Extrabux rebate situation】:

there is no cashback at this time.