Best Car Insurances - Compare Fast & Free Quotes

Unless you have been living underneath a rock, you are already well aware that it is legally necessary to possess some form of car insurance within all 50 states. However, there are a host of different options to choose from and some plans may be better than others depending upon your needs.

Let's take a look at the common variants available before moving on to the top providers in the industry today. Feel free to use this article as a guide when deciding upon which policy fits your budget.

The Types of Car Insurance

The first main category is known as third-party liability insurance. This is the most basic package and it normally the legal minimum that you are required to possess. The main theory behind liability insurance is that should you be involved in an accident, all or some of your financial expenses will be taken care of. However, we need to mention that the levels of coverage can be quite low. Another major problem is that this plan is not often effective if you are involved in an accident with an uninsured driver. 

The next main variety is a combination bundle known as liability, fire and theft. As you may have already guessed, the circumstances in the last paragraph are addressed while you will also be protected against fire and if a thief happens to break into the vehicle. One benefit associated with this plan is that coverage levels are much higher when compared to basic liability alone. In addition, it is often possible to modify existing packages so that they suit your unique needs.

Finally, we come to third-party comprehensive plans. These are the most thorough and they are recommended if you are looking for superior levels of coverage. They provide excellent levels of financial security; sometimes well into the millions of dollars. This is also a great choice if you are a younger driver or if your vehicle is quite expensive. While monthly premiums are naturally higher than the other two options, these can frequently be lowered by maintaining a safe driving record over time. Let us now examine what many consider to be the top insurance providers in the United States.

The Top Car Insurance Providers

  • Liberty Mutual : The one benefit associated with Liberty Mutual is the fact that their premiums are said to be some of the best in the business. Representatives are quite friendly and the majority of plans can be adjusted based around your desires. All three of the policies mentioned above are offered. They also reward loyal customers with lower rates, rebates and a host of other addenda. Liberty Mutual is available in all states.
  • Esurance  may be a bit new to the game, but this does not detract from the services that they provide. As the majority of quotes can be obtained online in a matter of minutes, it can be argued that Esurance is one of the most convenient providers to choose. Highly competitive rates and side-by-side comparisons with other providers will enable you to make an informed decision when the time is right. 
  • Allstate  has existed for decades and while their rates may not be as low as the other two previous companies, a solid reputation will provide you with the peace of mind necessary to know that you are financially protected at all times. Their comprehensive plans are exceedingly thorough in regards to what is covered and as this provider is available in all 50 states, there are no geographical limitations to your coverage.

Getting the Best Deal

First and foremost, shop around. Always try to compare three or more providers so that you are able to compare deals. It is also wise to ask about any rebates such as a percentage off of the monthly premiums if you are certified with a defensive driving course. Speak with a representative to discover whether or not a higher down payment will equate to lower installments. Finally, always take a careful look at the levels of coverage offered and how these stack up against their competitors

Thanks to the reach of the Internet, this information is normally obtained in only minutes. Car insurance is a critical part of modern society, so it only makes sense to start off on the right foot

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