Compare Car Insurance Quotes Online with Top Companies & Often Overlooked Regional Carriers
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UPDATED: Nov 3, 2020
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Many people today are overwhelmed with the amount of companies offering the least expensive auto insurance.
Once you know what to look for it should be easy to compare online quotes.
When you shop online you can compare side-by-side all of the companies for a lower premium.
Note: In the illustration above I have included top carriers offering quotes online for a 35-year-old driver in Texas. When I queried for quotes the cheapest online among of all them is a regional carrier or Texas Farm Bureau. One of the important reasons to compare quotes and include a spectrum of top and regional carriers for the best results.
The advantages are:
You can fill out one form instead of multiple forms from various carriers.
You will get online car insurance quotes from carriers in the network.
You can see multiple quotes from top and regional companies to make an informed and educated choice.
That is the “down and the dirty”, however, at the end of the day you want a cheaper rate.
I am going to show how some smaller regional carriers may fly under the radar and you are missing out on savings.
Then I’ll go into the top companies which have a solid reputation of offering savings to drivers year after year.
Many Drivers Overlook Smaller Regional Companies when Shopping Online
Cute mascots and people doing funny skits on television or a Youtube commercial shouldn’t be the deciding factor when comparing quotes for maximum savings.
Many insurers are appealing to a certain sector or group of drivers.
Some may tailor to older drivers, such as AARP or The Hartford, and other may appeal to drivers with a tarnished driving record, such as The General.
A big mistake is a lot of drivers count them out because the company has branded themselves to a certain group of drivers.
Note: This is another good example of a regional insurer lower in price than top carriers. I wanted to emphasize many drivers are comparing quotes with only those available to them through a platform and many local carriers could be missed as in the illustration above.
A lot of the time you can find good deals with insurers you wouldn’t think you could have gotten a cheap premium from.
Some insurers do not have a big budget or prefer not to advertise as much as other larger companies – think GEICO.
Regional Companies to Compare Car Insurance Quotes Online
Below is a list of the top regional carriers according to JD Power & Associates.
The JD Power point scale is out of 1,000 and is based on five factors:
- Policy offerings
- Billing process
- Policy information
The primary reason I wanted to include a regional list of carriers is they are often overlooked and some are not included in a network of quote comparison tools such as the one used here.
If you see a carrier listed below you want to get quotes from and isn’t populated on a quote comparison tool, you can go directly to their website and compare listings.
Note: The quotes for a 35-year-old driver in New York can vary by 20% or more. In this instance USAA is the lowest, but not all drivers qualify. When compared with the top companies, Carmoon Group and New York Central Mutual offered the best quotes. There are many states which have regional carriers offering substantially lower rates for drivers. Most of them are overlooked since they do not have the budget for advertising and other expenses.
Out of the all the regional carriers the best rated are Tennessee Farm Bureau (870), PEMCO (847), and Alfa (841) based on the criteria set forth by JD Power & Associates and their 1,000 point scale.
Tennessee Farm Bureau offers coverage in Tennessee, PEMCO offers coverage in Washington and Oregon, while Alfa offers coverage in Alabama and Mississippi.
The companies which ranked 1st in their region are Tennessee Farm Bureau for the southeast region, PEMCO for the southwest region, Shelter for the central region, Texas Farm Bureau for the Texas Region.
Companies which ranked 2nd in their region are Alfa in the southeast, Country Financial in north central, and Wawanesa in California.
|Company||Region||All States Covered||Rank in Region||JP Power Rating|
|Arbella||New England||Massachusetts, Connecticut||11||781|
|Auto Club Group (ACG)||North Central||All states||12||795|
|Country Financial||North Central||Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, Wisconsin||2||839|
|Farm Bureau - Tennessee||Southeast||Tennesee||1||870|
|Farm Bureau Mutual||Central||Arizona, Idaho, Iowa, Kansas, Minnesota, Montana, Nebraska, New Mexico, New Mexico, North Dakota, Oklahoma, South Dakota, Utah, Wisconsin, Wyoming||14||786|
|Grange||North Central||California, Colorado, Idaho, Oregon, Washington, and Wyoming||7||809|
|Kentucky Farm Bureau||Southeast||Kentucky||3||837|
|MAPFRE||New England||Arizona, California, Connecticut, Florida, Idaho, Indiana, Kentucky, Massachusetts, Maine, New Hampshire, New Jersey, New York, Ohio, Oregon, Pennsylvania, Rhode Island, Tennessee, Vermont.||12||776|
|Mercury||California||Arizona, California, Florida, Georgia, Illinois, New Jersey, Nevada, New York, Oklahoma, Texas, Virginia.||16||781|
|New York Central Mutual||New York||New York||4||808|
|North Carolina Farm Bureau||Southeast||North Carolina||6||827|
|Safety Ins.||New England||Massachusetts||10||783|
|Shelter||Central||Arkansas, Colorado, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Tennessee||1||819|
|Texas Farm Bureau||Texas||Texas||1||836|
Comparing Online Reduces the Pressure of an Agent
Now you’ve probably seen a bunch of commercials from companies like Geico, Progressive, and Allstate telling you to call them and save big when you switch your allegiance and get a policy through them.
The truth is that those commercials are correct – somewhat.
You will probably in comparison to your current policy by switching to those companies.
However, it is always better to get your quotes online instead of immediately calling as directed in those commercials. The reason why is actually rather simple.
By calling, you are limiting yourself to your current provider and the company you are calling.
There may be a better deal out there, but they aren’t going to tell you that when you call.
When calling for quotes, the only way to find out if another company is offering a better deal is to call them too.
Unfortunately, calling every company could take hours, and likely cause confusion as to which deal is better.
When you compare online, you’ll be able to compare your current rate with multiple companies in minutes.
You’ll be able to see which company is offering the best deal, and see which company would provide the most savings without having to spend hours on the phone.
The more options you have, the better off you’ll be.
Note: Illustrated above are top insurers by price for a 35-year-old driver in California. There is a price variance of 30% among the lowest (USAA) and the highest (Travelers). Even if you exclude local insurers for a cheap quote it is vital to do a comparison of 5 quotes or more to find the most savings while maintaining coverage.
Top Companies with Online Quotes & Good Rating
All of the carriers in the list below will be able to offer you a quote online. Some will try to close the deal with you on the spot.
Most of them are national companies, but some are regional and known by most drivers.
It is always a good idea to get quotes from regional and national companies so you can compare each.
Note: In the illustration above for a 35-year-old driver in Florida the price difference between the lowest (Florida Farm Bureau), and the highest (The Hartford), is approximately 25%. This is another good illustrative example where a regional insurer is lower in price than top companies. The more populated states have a large amount of local companies competing for your business too.
The advantage larger carriers have is the ability to offer more discounts and additional tailoring to a policy.
The top three largest companies as of 2018 are State Farm, GEICO, and Progressive.
Of course, these are the three companies that you see everywhere from commercials to planes flying adverts in the sky, etc.
All of the companies have the average consumer rating included from reputable sources and others such as AM Best.
The top three carriers which have the best overall rating are Amica, USAA, and Allstate.
If you aren’t former military the next top carrier would be American Family. It may be worth noting that The General is part of American Family now.
At the end of the day you want to include top companies in your comparison.
There are many drivers looking for additional savings by reaching out to regional more local companies as I described above.
However, discounting top ones could miss the mark and possibly savings too.
|Company||Written Premiums||Market Share||Rating out of 5 Stars|
|Auto Club Group||$2,470,265||1.25%||4|
Advantages to Comparing Auto Insurance Quotes
The advantages of getting quotes online don’t stop with saving time and money.
You’ll also be able to enjoy the following benefits:
No pressure involving in choosing a company
Ability to look up each provider’s reputation before you decide
Note: In the illustration above there is a significant price variance for drivers with the same profile. The 30-year-old single male has a 19% price variance, the 30 y/o single female has a 13% price variance, the 45 y/o single male has a 18% price variance, and the 55 y/o couple has a 24% price difference. Depending on the state you reside in you’re going to see price variance such as the ones illustrated above. Making it important to compare quotes. Even if you think you are comparing the cheapest providers available.
When you get your car insurance quotes online you’ll be able to compare more than just prices.
After getting price quotes from each provider, you’ll then have the option of seeing what each plan offers.
By being able to compare the features of each plan on your screen, all the details you need will be in plain view right in front of you.
That means you won’t have to sift through notes or try to remember what the insurance sales person had said.
All the information will be right in front of you, which means you can make a direct comparison and make an informed decision with ease.
One of the best things about online quote comparison is that you have plenty of time to get prepared.
When calling for a new policy, you may not know what kind of questions will be asked of you, making it difficult to get fully prepared.
When shopping on the internet, you’ll be able to get the materials you need at any time without having to worry about putting a sales representative on hold.
If you’re ready to get a quote, be sure to have the following information on hand:
Your current insurance policy details (usually found on your declarations page)
Your car’s year, make, model, and VIN
The year, make, model, and VIN of other cars you’ll be adding to your policy
The distance in miles between your home and work
Security features of your car
All relevant information about those that will be driving the cars on your policy
By getting your car insurance quotes online, you’ll be able to compare prices from multiple companies without the pressure you might get from an insurance sales person.
If you call to get your quote, most insurance agents will do whatever it takes to get you to commit on the phone.
They might try to pressure you into making a decision that you’re not ready to make.
With internet shopping, you don’t have to worry about being pressured into a decision. That means that you can take your time to choose the company that best fits your needs and budget.
A company’s reputation makes all the difference when it comes to auto insurance.
When you get quotes for comparison, you’ll be able to look up consumer reviews and more about each company.
That means you can see which companies make it more difficult than others to file a claim.
Remember – just because a company offers the lowest rate does not mean they are the best option for you.
By having the chance to look up a company’s reputation before you decide, you’ll be able to have a better idea as to how good that provider’s coverage actually is.