Having a car is almost essential in many American cities, especially those where the distances are greater . Precisely for this reason, many people choose to purchase this means of transport, which, it should be noted, carries with it numerous responsibilities.
One of them is the guarantee of keeping the car in good condition, and for this reason drivers in the country should investigate the best auto insurance in the United States . So that this is not so complicated, we have already investigated some of the alternatives with outstanding ratings among the insured.
Why have car insurance?
However, it would be a mistake to start this article without first mentioning some of the reasons why having auto insurance in the United States is essential. After reading them, you will be sure that hiring an insurance company is not an alternative, but should be a fact.
We will begin to explain, then, what are the most prominent reasons why American drivers opt for these programs.
- It is law : by mentioning this first reason, we know that it is clear why having car insurance is a mandatory responsibility in the nation. Specifically, almost all states require, through a law, that their drivers have a company that supports any inconvenience that may happen to their means of transportation and, even, those affected by accidents that may occur. It is even totally probable that they could face fines in case of disregarding this rule.
- For legal protection : the first alternative that those affected by a car incident can opt for is a complaint to the authorities, and this can be catastrophic if you are the owner of the responsible car. However, having insurance can avoid almost any type of legal conflict, because, as we mentioned in the previous reason, companies can take care of any problem that even requires the intervention of a lawyer in the area.
- To guarantee this acquisition : as you know, buying a car is usually an investment with a lot of work and effort behind it, and precisely for this reason it is essential to take care of its integrity. With auto insurance, said protection will be guaranteed and, in the event of a problem, you will have sufficiently reliable support.
- To have a backup against theft : and, if we are more specific, one of the problems that can affect the car is theft or theft. However, this fact will not have too complicated consequences if you have the help of an insurance company. In fact, these companies usually offer special clauses for drivers who do not keep their vehicles inside closed parking lots.
- For general security : we dare to say that a house and a car are the most outstanding purchases that people have, especially the inhabitants of the United States, and therefore have the help of an insurance that takes care of the protection of this last good will be extremely reassuring for the owners. For this reason, we do not doubt when we say that having this support will avoid moments of worry.
Fortunately, insurance companies have numerous and varied plans that fit all of these needs and more.
Best insurers in the United States
After knowing the reasons why you should take out auto insurance in the USA, it is time for you to know what are the alternatives that may be useful depending on your case.
State Farm
If there is one thing State Farm stands out for, it is undoubtedly its customer service. This insurer is one of the most popular in the United States due to the speed that potential users receive from the first contact they have with the agents , although it is also entirely possible that they can obtain information online.
However, this is not the only reason why this company is popular among drivers residing in the country, but we must also mention that its rates are some of the lowest in the market . Therefore, the most common is that there is not only one insured in a family, but that more people are also included.
In fact, State Farm often offers discounts to parents who include their teenage children in their policies, which lightens the payment of premiums that, by nature, are not too high. Likewise, like this clause, there are many others that are just as beneficial for the insured.
Among them we can mention, for example, a program called Drive Safe & Save. In this case, drivers who consider that they can receive discounts for having good driving habits have the possibility of opting for this type of monitoring.
Finally, if State Farm decides that they have full control over your driving, they are likely to lower the prices of the rates chosen by the insured. And to this are added many other alternatives that could benefit drivers both in discounts and in extra benefits.
After knowing these characteristics, it is not a surprise that this company has a high level of receptivity among car users in the United States.
GEICO
The next company we want to talk to you about is GEICO, an insurer that is also known for its affordable rates. However, it would be a mistake not to mention the personalization of its plans as one of its most outstanding features , and it is precisely for this reason that more and more people are choosing it.
In this sense, it is totally possible to choose one of the company’s predetermined plans to, after making the corresponding evaluations, adapt it to the exact needs and possibilities of the client in question. And now that we mention those who buy these insurances, there is something you should know about it.
We are referring, then, to the fact that GEICO offers certain percentage discounts to young drivers, students and some types of automobiles. To be exact, regarding this last point, you should know that this benefit applies to new models and that have only a certain route.
Another point that we must highlight about this company is the use of technology that considerably facilitates numerous processes of both risk assessment and their solution . An example of this is its mobile application, which is highly functional for insured drivers.
Of course, all these advantages of GEICO have excellent receptivity among its clients, who are pleased with the services provided by the insurer.
Progressive
How about we tell you that there is a possibility that an insurance company could pay the vet bills in case your pet is injured in an accident? It seems hard to believe, but you should know that this is one of the advantages that Progressive offers to its drivers.
This is because this company has insurance that is specially designed to protect absolutely all travelers in a car, regardless of whether it is people or pets . This, without a doubt, is a great option for those who travel frequently with their animals in the car.
But this is not all that Progressive has to offer, as we must also mention that it is an ideal company for young people and high-risk drivers. Specifically, seniors and people under the age of 21 can opt for plans that are as effective as they are affordable with this insurer.
You must remember, then, that this part of the population tends to pay the highest premiums because they are more likely to have accidents, but this does not necessarily apply to Progressive. As expected, regular drivers can also access attractively priced policies.
And if you’re wondering what other benefits Progressive has to offer, you’ll be happy to know that you can count on roadside assistance and partial refunds of the full price of the car . Obviously, this last point carries with it many requirements, but it is not impossible.
In addition, we include this company in the list of the best insurers in the United States due to its financial strength, which contributes to the trust of its users.
Allstate
In addition to providing automobile security, Allstate stands out for being a company fully trained to take care of coverage for boats, motorcycles, classic vehicles, and even SUVs.
For this reason, this alternative is the most suitable for those who practice extreme sports and for those who want to take care of their collector cars. Of course, you should keep in mind that Allstate policies are not the cheapest, but it is clear that this type of vehicle needs a stronger guarantee.
Now, focused on traditional car insurance, you should know that the rates are more affordable than the special cases that we have just mentioned. In addition, you can add personalized clauses in any of the plans you have selected for car care.
Some of the most popular examples of additional services are roadside assistance and policy fee refunds. But, if we talk about the most outstanding benefits of Allstate, we have to mention the many discounts that policyholders can opt for.
To be more exact, we can name some deductions that can be enjoyed by customers who pay on time and have never received a cancellation warning , year-old car owners, and those who also have homeowners or other vehicle policies.
All of this without neglecting customers who pay their car insurance in full for the year, those who have an anti-theft device installed, and also those who are considered safe drivers by Allstate.
Nationwide
The last alternative that we will explain in this list is Nationwide, another of the companies that stands out in the market due to the versatility of its policies. To be exact, we mean that you can insure from traditional cars to snowmobiles , without leaving aside conventional motorcycles and even golf carts.
By having access to so many types of programs to insure your vehicles, you will also have the opportunity to hire several plans and, in turn, obtain discounts on at least one of them. This is precisely one of the advantages of hiring Nationwide: the deductions that people who take out several auto policies can enjoy.
Likewise, it is totally possible to obtain discounts in the total cost of the premiums, as long as some parameters are met, such as having vehicles with low mileage, having excellent driving skills and if there are no accidents in the year.
Specifically, Nationwide may refund a percentage of the selected policy rate for each year that it is not used due to accidents . To all these cases we must add that of students who are insured, but before they will have to pass a series of evaluations that demonstrate their good driving.
