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Reviews Of Top Rated Auto Insurance Companies: GEICO, Progressive, Esurance, Allstate, Nationwide

Knowing you have selected a good auto insurance company is peace of mind you will want to have before you get in an accident, have your car stolen, or encounter any number of situations that involve you having to make a claim. You don't want to find out too late that your car insurance provider isn't up to par. This list contains the best auto insurance companies based on affordability, value of services, and responsiveness. Because, after all, what good is having a rock bottom rate if you don't get enough in return or can't get the help you need when you need it.

The top rated auto insurance companies reviewed here are GEICO, Progressive, Esurance, Allstate, and Nationwide however other popular car insurance companies not covered in this review include USAA, Farmers Insurance, State Farm, Liberty Mutual, and AAA

Reviews of top rated Auto Insurance Companies

GEICO: GEICO has been an auto insurance provider for more than 70 years. GEICO was among the first to develop a non-agent model for customer service, claims filing and policy inquiries, making these available through phone and Internet and allowing GEICO to pass savings on to its customers. In addition to these savings-oriented operational practices that provide new policyholders with substantial discounts, GEICO has earned and maintained the loyalty of its customers through its professional, helfpful customer service representatives, efficient claims process and continued dedication to getting its policyholders off the road and back on again as quickly as possible. Getting your car safely off the road and in for repairs or replacement is one thing, but ensuring that motorists are back in their own car or temporary rental with little delay is another. Fortunately, GEICO excels at expediting initial towing and emergency services through its affiliates with streamlined claims and adjustments services to see that necessary repairs and replacements are done as quickly as possible, with the ins and outs of cost and culpability settled responsibly, judiciously and, most importantly, rapidly. GEICO also offers its policyholders the ability to track claims online, doing away with the complicated "Phone-trees" that many car insurance companies require customers to go through to track claims. Whether you are looking to insure multiple vehicles or drivers, increase or decrease deductibles on policies, reduce coverage to Liability-Only or manage the payment cycle or structure, GEICO allows its policyholders an unprecedented freedom to do so. Best of all, this can all be done online or over the phone with a dedicated GEICO insurance agent. GEICO offers a variety of discounts ranging from good driver discounts, good student discounts and automatic payment discounts, as well as discounts for multiple-policy holders and established customers. GEICO has emerged as one of the premiere car insurance companies in recent years -- and for good reason. Offering its customers upfront savings on auto insurance policies is what makes GEICO an excellent choice for your auto insurance needs.

Progressive: Progressive auto insurance has a strong reputation for its customer service, emergency responsiveness, policy flexibility and overall commitment to the safety and security of its policyholders. With its "Concierge Level of Claims Service" and renowned Immediate Response Vehicles, Progressive has made the aftermath of car accidents and auto-related incidents less complicated, less time-consuming and most importantly, less-imposing on the workaday lives and busy schedules of its policyholders. Policyholders can receive claims estimates from the comfort of their own driveway or the repair facility the vehicle is housed in: a step that can expedite the claims and adjustment process and facilitate quick repairs and timely payments for vehicles in need of replacement and claimants of non-Progressive motorists involved in an accident. Progressive's roots are firmly planted in car insurance. Unlike GEICO, which operates entirely online and through telephone, Progressive has more than 30,000 independent insurance agents that, along with simply auto insurance and other insurance products, can give detailed, in-depth information about policies and discounts, as well as assist in finding a coverage level that suits the needs and budget of the policyholder. Whether you need a Liability-Only policy for a single vehicle or Full Collision coverage with no deductible, Progressive has just the right auto insurance policy and insurance product for you. Progressive also offers automatic discounts for new and continuing customers. Good Student discount? Check. Good Driver discount? Check. Multiple vehicle discount? Check. Multiple-policy discount? Check. Full-payment, e-sign or low mileage discounts? Check, check and check. Along with its MyRate feature, which follows driving history and records more closely, which can be a savings boon for customers, Progressive offers dozens of discounts to its policyholders, saving customers money and likely gaining their loyalty, too.

Esurance: Esurance has speedy claims and policy-writing processes and as a green company, Esurance also features environmentally-sound strategies and programs to reduce paper consumption, plant trees in fire-damaged forests, and mitigate the damage caused by CO2 pollution. Not bad for a company that is still relatively new to the auto insurance game. Esurance is lauded for its 3-step policy process. Drivers simply quote, buy and print their policy directly from their printer. No waiting for delivery by mail. No hassles. No agents pushing unnecessary policy features or additional insurance protection products. With Esurance, policyholders, both current and prospective, simply enter the necessary information, receive an insurance quote online, decide whether or not purchase policy or go with another car insurance agency. With Esurance, motorists get a free 6-minute quote in addition to instant comparison rates from real companies. At that point, prospective policyholders can simply choose the policy that best suits their needs and buy it directly online. Esurance policyholders also benefit from an online claims process that features the impressive, real-time repairs monitoring program, E-star. Esurance even features an interactive Auto Insurance Coverage Counselor to aid in giving each driver the right policy for your auto insurance needs and budget.

Allstate: Allstate has asked "are you in good hands?" for several years now. Allstate stands out for its policy offerings, providing a variety of coverage options for drivers. It even offers drivers agent-like customization with its "Bumper-to-Bumper Basics" tool that helps determine the right level of coverage for vehicles. And, for drivers that prefer going about their policy the traditional way, Allstate has agents in most cities and states nationwide that can assist in providing potential policyholders with the appropriate coverage for their needs and budget. One of Allstate's benefits is its New Car Replacement program. Drivers of new cars often lose more than just their car when involved in a Total Loss accident. They also lose whatever money they paid down on their car. With Allstate, drivers of vehicles in their first three model years will receive an entirely new car, as opposed to the depreciated value of the totaled car.

Nationwide: Unlike many auto insurance agencies Nationwide has managed to balance the needs of the individual. The Blue Ribbon Claims Services, like Progressive's "Concierge" program and eSurance's E-star program is designed to expedite the claims and repairs process. Depending on state laws, many of which require drivers to take out additional auto insurance protections, Nationwide is highly flexible. Nationwide customizes each car insurance policy to offer the right coverage for the right driver at the right price. Nationwide customers seeking simplicity for car insurance protection products can also expand their auto insurance policy to include other policies, including home, life and others. With the recent release of its Nationwide iPhone app, Nationwide policyholders with an iPhone can now track claims, manage policies, make payments and perform other tasks, further simplifying both routine policy maintenance and irregular customer needs like accident claims and repairs.