Home Blog

Root Auto Insurance Review [2019]

man holding phone inside the car

​image source: pexels

Root is part of a new wave of insurance providers using your own driving habits to help determine your rates. In this Root auto insurance review, we will go into what exactly Root auto insurance is and what makes it different, plus information on how to apply, filing claims, and more.

What Is Root Auto Insurance?

Root is an auto insurance company headquartered in Columbus, Ohio. It has over 350 employees and plans to expand further.

Root is the first entirely mobile app-based auto insurance company. Good drivers are rewarded with lower rates based on their driving behaviors. Each customer has to do a test drive before Root will offer coverage.

Root collects telematics from the accelerometer in users' smartphones plus other data. It uses its own algorithm to calculate driving behavior and risk and offer policies accordingly.

Driving Algorithm

Root uses a combination of 200 factors to decide on a driver's rate. These include braking, the number of miles driven, turning, and phone use while driving. Root says the app's machine learning can detect whether you are biking or taking the train versus driving, and those trips won't be counted.

man holding smartphone

​image source: pixabay

It may go without saying that drivers need to have their phones with them at all times when they're driving. The test drive usually takes around 2-3 weeks to complete. For the best outcome, don't drive late at night if you can avoid it, never text and drive, and avoid hard turns and braking.

Day One Coverage

Usually, customers must already be insured or get short-term coverage through another provider during the test drive. But Root offers some customers coverage "from day one". Based on the driving test, Root may not offer a policy, but customers have 60 days of coverage in which to find another provider.

Customers can click here to see if they are eligible for day one joinroot.com/help/day-one.

Where Is Root Auto Insurance Available?

US map

​image source: unsplash

Root auto insurance is licensed in 23 states nationwide: Arizona, Arkansas, Colorado, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, Nebraska, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, and Utah.

If your state isn't listed yet, keep checking back on Root's website.

Root Auto Insurance Review

According to Clearsurance.com, Root has a rating of 3.48 out of 5. Customers like that they get lower rates across the board. Some unhappy reviews come from customers who were denied coverage after the test drive, while others were unhappy with the claims process. From those who pass, however, Root auto insurance generally gets good marks.

How to Apply

hand shake

​image source:  pixabay

As you can see from our Root auto insurance review, it is easy to apply. Once you download the app, the app does most of the work.

The app, once downloaded to your phone, detects your driving behavior, miles driven, and also knows when you drive most, at night or during the day. Late-night driving is seen as less safe than daytime. Careful drivers who don't work late hours will see the best rates.

  1. Download the app and sign up for your test drive.
  2. Take the test drive. This could last anywhere from 2 weeks to 30 days depending on how much you drive.
  3. Check your score on the Driver Scorecard on the app. You can track how you're doing with turning, braking, and maneuvering the road.
  4. Get your score. You will be ranked between 1-10. If your score is lower than you'd like, you can try to increase it during the rest of your test drive.
  5. Get your quote from Root based on your Driving Scorecard.

What If I Am Not Offered a Quote?

We hope all readers of this Root auto insurance review try Root out.

If you don't get a quote, that probably means the score on your Driving Scorecard wasn't high enough. Or there could have been other factors. Reach out to Root directly to ask for clarification on your situation.

How to Contact Root

​ phone: 9 a.m. to 5 p.m. EST, M-F at 1-866-980-9431

​email: contact@joinroot.com

How to File a Claim

business man handshake

​image source: pixabay

Readers of this Root auto insurance review should not be surprised that you file claims through Root's mobile app. This is a truly app-based insurance company. You can upload photos and enter information about the accident. A claims adjuster will be in touch to complete the process.

Features


Here are some features we want to highlight in this Root auto insurance review:

  • ​Mostly app-based
  • ​Rates based on driving behavior
  • ​Low rates for good drivers
  • ​Must submit 2-3 weeks of driving behavior through the app to get a quote
  • ​Choice of Lyft credits instead of a rental car
  • ​Lower rates for Tesla Autopilot drivers

Pricing

The cost of your Root auto insurance policy depends on a few things. Mostly it depends on the outcome of your test drive. Other points like past driving history and age factor in, but not as much as with other providers.

How It Compares

business man looking at the laptop

​image source: pixabay

We picked a few similar products available on the market to see how they compare in this Root auto insurance review.

  • ​Ameriprise
  • ​Erie
  • ​GEICO

Root Auto Insurance


Price $
Coverage Options - 4 Stars

As you can see from this Root auto insurance review, Root offers adequate coverage for drivers in any state.

Root offers the usual coverage options you come to expect. It includes 2 free calls for roadside assistance at no extra charge.

Here is a list of the coverage options:

  • ​Bodily injury
  • ​Property damage
  • ​Collision and Comprehensive
  • ​Medical payments
  • ​Personal injury protection
  • ​Under and insured motorist protection
  • ​Rental car
  • ​Roadside assistance
  • ​Discounts
  • Apps/Website
  • Ease of Filing Claims

3 Stars

 Root does not offer discounts because it offers low rates for good driving. It does not offer special student or military discounts.

Pros

  • ​Able drivers are rewarded with low rates
  • ​Good for teens or other high-risk drivers

Cons

  • ​Six-month long policies
  • ​The test drive is normally not covered
  • ​Submitting a long period of driving behavior
crashed cars

​image source: pixabay

Ameriprise

An important part of our Root auto insurance review is to review other providers out there. One fantastic choice is Ameriprise. Customers love it for its low rates and good customer service.

Ameriprise has been in business since 1894. It also offers financial products. It received the highest rating of any company in J.D. Power's 2015 customer satisfaction survey for the California region.

​Price $
Coverage Options - ​5Stars

Here is a list of the coverage options:

  • ​Lifetime renewability for Ameriprise Financial clients
  • ​New car replacement
  • ​Glass repair with no deductible
  • ​Gap coverage - Ameriprise will pay up to 120% of your vehicle's value so you aren't stuck with a loan on a car you don't own anymore
  • ​Stolen key and lock replacement coverage - no deductible under $250
  • ​Accident forgiveness for policyholders with three years of safe driving
  • ​Accident travel expense coverage - if you are stranded and need accommodation for the night
  • ​Discounts
  • Apps/Website
  • Ease of Filing Claims

5 Stars

Ameriprise is very well regarded for customer service. For customer service, Ameriprise got the highest rating of any company in J.D. Power's 2015 customer satisfaction survey for the California region.

Pros

  • ​Lifetime renewability for Ameriprise Financial customers
  • ​Multiple discounts
  • ​Excellent customer service

Cons

  • ​Only available in 34 states
  • ​May have to call to get a final quote
  • ​Uses information from six years of driving history
listing of car ruined parts

​image source: pixabay

Erie

As part of our Root auto insurance review, we think it is important to compare multiple providers. We want you to find the rate that is best for you. Erie is a regional insurance carrier based in Erie, Pennsylvania. It is available in 12 states plus Washington D.C. If Erie is in your area, it's definitely worth a look as most customers are satisfied with their choice.

Key features of this provider include Rate lock, which locks in your auto rate unless you add vehicles or move. Accident forgiveness is included after 3 years of safe driving, and there is also pet coverage. Some nice extras are new car protection, better car protection, and rental car coverage that lets you upgrade to an SUV if you choose.

Price $$
Coverage Options - 5 Stars

Besides auto insurance, Erie also offers renters, condo, and home insurance. Other insurance products it offers are umbrella insurance, insurance for classic and recreational vehicles, boat insurance, identity theft insurance, and business insurance.

Erie also sells a suite of retirement planning products.


  • ​Discounts
  • Apps/Website
  • Ease of Filing Claims

5 Stars

Erie won the top award for Auto Claims Satisfaction in the 2018 J.D. Power Study.

Pros

  • ​Robust coverage options
  • ​Diminishing deductible and Rate Lock
  • ​High marks for settling claims

Cons

  • ​Only available in 12 states plus Washington D.C.
  • ​No other cons found

GEICO

Geico primarily sells policies direct to consumers so it can keep prices low. That being said, it has 150 locations nationwide if you prefer to talk to an agent in person. Geico offers fantastic rates to people with no accident history. High-risk drivers will probably see higher rates with Geico.

Price $$
Coverage Options - 4 Stars

​Geico has many coverage options. The main ones include

  • ​Bodily injury and property liability coverage
  • ​Collision and comprehensive coverage
  • ​Uninsured and underinsured liability coverage
  • ​Medical payment and personal injury protection coverage
  • ​Gap Insurance for leased vehicles
  • ​Other Coverage Options

Mechanical Breakdown Insurance, combined rideshare insurance that covers drivers when they're both on work and personal time, Emergency Road Service, accident forgiveness {not available in CA, CT, or MA}, glass coverage, and rental reimbursement.

There's coverage for more than just personal vehicles. Geico has motorcycle insurance, ATV insurance, plus customers can combine their homeowners and motor home policies.

  • ​Discounts
  • Apps/Website
  • Ease of Filing Claims

5 Stars

Customers can file claims right from the mobile app.

Pros

  • ​Accident forgiveness and rideshare coverage in 40 states
  • ​Military and student discounts
  • ​Well-established provider
  • ​Low rates for good drivers

Cons

  • ​Not good for high-risk drivers
  • ​No new car replacement

Conclusion

man driving car

​image source: pixabay

Now we have reached the end of our Root auto insurance review. Based on everything we have learned, we will give Root auto insurance a rating of 4 stars. We love that Root rewards good drivers with low rates. We took off one star because most drivers need to get other coverage during their test drive.

Root is a solid choice for people with good driving habits. If it is in your area, it is worth a look!

Ameriprise Car Insurance Review [2019]

Man using smartphone while driving

Choosing the right car insurance is essential to protecting your assets in the event of an accident. That said, the process of picking which insurance company will best suit your needs can be stressful. This Ameriprise car insurance review is designed to make your search a little easier. In order to pick the best insurance, you have to explore the options available and do a lot of comparative research. Fortunately, we have done all the work for you!

There are numerous considerations when picking car insurance such as how much coverage to purchase, your driving record, and which company will be the best fit for your lifestyle and needs. As a consumer, you should receive the best service for your money. In this Ameriprise car insurance review, we will present an honest comparison between Ameriprise and other quality insurance providers.

​What Is Ameriprise Car Insurance?

The obvious place to start with an Ameriprise car insurance review is making it clear Ameriprise has some of the lowest rates in the industry. For drivers who want decent coverage at a budget price, they are the ideal choice. There are also a variety of discounts available that can give you added savings on their already low rates.

That said, it is important to note Ameriprise is only available in 34 states. So your location will have a great deal to do with whether you will be able to access their coverage. Also, if you are a high-risk driver, meaning you have accidents a lot, they may not provide you with the best deal. They review past driving history for six years when considering your quote, vs. the five-year industry standard

​Ameriprise Car Insurance Review - Special Features

While researching for this Ameriprise car insurance review, we found benefits beyond the company's reputation for low prices and excellent customer service. They have a variety of coverage options, like stolen key replacement for key sets under $250 and windshield repairs, included at no additional cost.

They also offer lifetime renewability for customers who opt into their financial planning services program. Policyholders can expect streamlined claims and policy management, allowing you 24/7 accident reporting and online policy management. There is accident forgiveness for policyholders who have three consecutive accident-free years.

Smiling man and woman sitting inside vehicle

Image by mentatdgt via Pexels

The exceptions to accident forgiveness benefits are policyholders in California, Kansas, and North Carolina. If you live in one of those states, the company gradually lowers any accident related surcharges you may have. They also offer glass repair deductible waivers for windshield damage caused by instances like cracks on road trips. The waiver does not cover full windshield replacement.

Something very useful is the accident travel expense contributions, It helps cover travel or accommodation needed because of accidents more than 100 miles from your residence. It is worth noting, according to the National Association of Insurance Commissioners, Ameriprise has relatively few consumer complaints. All considered, it is understandable why we chose an Ameriprise car insurance review.

​Pricing

Cars parked in a row

Image by Pixabay via Pexels

We obviously can't do a proper Ameriprise car insurance review without talking directly about the cost. Ameriprise has base rates that are pretty close to the industry standard. What pulls their prices below the norm, and has given them a reputation for budget deals, are the discounts. If one or more of their various discounts apply to you, it can make an Ameriprise quote surprisingly low.

​How It Compares

Now that we have sung the praises of Ameriprise, it is only fair to round out this Ameriprise car insurance review by showing you how they directly compare to other auto insurance companies. The most competitive options we found for review were:

  • Esurance
  • Progressive
  • Geico

Ameriprise

Ameriprise Car Insurance

Image via Ameripirse website

Coverage Options

The coverage options for Ameriprise are pretty much in line with industry standards. That said, certain factors, such as your driver demographic, have an effect on your quote. Younger drivers, even with a clean driving record, will pay more. In those cases, customers may find better deals, initially at least, with other companies.

Part of our Ameriprise car insurance review has to address specialty vehicle insurance coverage. If you own an ATV, boat or other watercraft, collector car, or motorcycle, you will need specialty vehicle insurance coverage.

Ameriprise does not directly offer such insurance but can provide you a quote through one of their partner insurers. They partner with Progressive, American Modern, Arrowhead, Chubb, Embrace, Hartford, and RLI.

Pros

  • Inexpensive
  • Excellent discounts
  • Highly rated

Cons

  • Not good for young drivers
  • Mediocre website
  • No in-house specialty vehicle coverage

Discounts

As with most insurance companies, combining homeowners and/or umbrella coverage provides an additional discount on your policy. Other discounts Ameriprise offers include a safe driving discount. Similarly to their accident forgiveness, this discount is offered if you have been accident-free for three years.

In some states, you will see a reduction in your accident-related surcharges every year you go without having an “at fault” accident. If you take a state-approved course in defensive driving, you can receive a discount as well. For vehicles equipped with safety features, there is a vehicle safety feature discount. The features that qualify include things like anti-lock brakes and airbags.

An interesting discount is the one offered to people who put their cars in garages at night. There are education discounts for high-achieving students and discounts for post-high school students who do not live at home full time. Of course, multi-vehicle discounts and discounts for long-term Ameriprise customers, with a three-year minimum, also apply.

Discounts

Whilst the Ameriprise website does offer convenience. It is not especially easy to navigate and does not have the most shining reviews. However for those customers who are web savvy, the convenience of being able to update information, make payments, file claims, and address policy questions and concerns at a click is a bonus. The app is comparable to the online experience.

Ease of Filing Claims

The initial claim filing process is generally rated by customers as very easy. There are 24/7 claims support services by phone and on the company's website. Also, they provide a comprehensive list of recommended repair centers for your convenience.

Esurance

Esurance

Image via Esurance website

Esurance is unique in that they pioneered the online auto insurance boom. Hence the name Esurance. They are ideal for drivers who have simple, straightforward insurance needs and allow customers to greatly control their own policy details. If you prefer the ease of online quotes and virtual help centers over phone contact, they are the company for you. Almost everything about their company has been digitized.

Coverage Options

Esurance is designed to be straight forward and barebones. That is not a negative per se, but it is not a great option for drivers who have unique or extensive coverage needs. That said, they cover a large variety of vehicles including ATVs, boats, business vehicles, classic cars, RV's, and even golf carts and segways.

Pros

  • Online based
  • Inexpensive
  • Very streamlined

Cons

  • Basic coverage
  • Low claim filing satisfaction
  • Little person to person interaction

Discounts

Surprisingly, Esurance offers several discounts. There is a Fast 5 discount which gives five percent off to qualifying drivers and a switch and save discount for new customers. Paying in full and multiple policies also garner discounts. If you download their Drivesense app you will get a discount, and another if you go claim free for 60 consecutive months. There are also the standard multi-car, good driver and comparable industry discounts available.

Apps/Website

Hands down, Esurance has the best website of any company on our list. That is understandable since they are a completely digital insurance company. You can literally do everything on their state of the art website. Their application is equally efficient.

Ease of Filing Claims

Esurance is rated very low for their claim filing process. According to J.D. Power, their customer satisfaction in this area is well below the national average industry standard. This could be because almost entire process is designed to never require actual verbal or physical person to person contact. The lack of more traditional customer service is sometimes a downside during the claim process.

Customers also reported difficulty with their rental experiences and overall service interaction. Many of the above concerns might not be a factor for people comfortable with conducting business online. It is for that reason, on this Ameriprise car insurance review, we are willing to give Esurance some leeway with regard to their failing ratings.

Progressive

Progressive Insurance

Image via Progressive website

Progressive gained increased popularity after their ad campaign featuring the character Flo. They are not particularly budget-friendly, but their coverage options are comprehensive. They feature a relatively generous variety of discounts for qualifying drivers. Based on consumer reports, on the customer service side, they are fairly middle of the road.

Coverage Options

Progressive has a pretty run of the mill coverage spectrum. Incentives like the Snapshot program, offer significant discounts for dependable drivers. However they are also one of the most forgiving companies when it comes to past accidents. Drivers with an accident marked in the assessed time period can save as much as $400 compared to Ameriprise – without other discounts considered.

Similarly to Ameriprise, Progressive charges higher rates to insure younger drivers. That said, they do have coverage available for pet injury, custom parts and equipment, as well as gap insurance, making them an ideal choice for some drivers.

Pros

  • Excellent choice for experienced conservative drivers
  • Specialty vehicle coverage
  • Pet injury coverage

Cons

  • Expensive for most drivers
  • Mediocre customer service
  • Biased against younger drivers

Discounts

As mentioned before, Progressive offers the Snapshot program, which provides a significant discount for dependable drivers. They also have discounts for drivers who start their quote online and another discount if you sign your final documents online.

Then there are the standard discounts like the multi-car discount, pay in full discount, bundle insurance discount, and good student discount. There is also a homeowners discount, applicable to anyone who owns a home regardless of if it is insured by Progressive. Maintaining continuous insurance, regardless of who your past insurer was, gains another discount, as does autopay.

Apps/Website

Progressive is well, pretty progressive, so their website is well designed. They seem to want customers to do as much digitally as possible, so it is easy to use and comprehensive. The application is lackluster.

Ease of Filing Claims

Progressive's claim filing process is very easy and straight forward. They offer 24/7 claim processing assistance both online and via phone.

Geico

Geico Insurance

Image via Geico website

GEICO is an inexpensive car insurance with a basic set of coverages. They were made popular with their slogan “15 minutes or more can save you 15 percent on car insurance”. Historically, the company's target market is government employees, but anyone can use their insurance services.

Coverage Options

Geico is pretty clear cut with its coverage and a strong contender on our Ameriprise car insurance review. Repairs, roadside assistance, bodily injury liability, medical assistance, uninsured motorist coverage, property damage, and collision coverage are all offered. They also offer rideshare coverage.

Pros

  • Inexpensive
  • Lifetime guarantee on approved center repairs
  • Rideshare coverage

Cons

  • Not ideal for drivers with poor driving history
  • Basic coverage
  • Few discounts available

Discounts

Geico is ideal for drivers with clean records. There are not many discounts they offer. Rather, they are an overall reasonable and affordable choice for responsible drivers.

Apps/Website

Geico has an up to date and comprehensive website. You are able to check policies, make payments and file claims online with ease. Their application is not worth the download.

Ease of Filing Claims

The claim filing process is easy and, when the vehicle is drivable, they normally send an adjuster within 24 hours. Whilst you can choose any repair center, they have an Auto Repair Xpress program and offer a lifetime guarantee on the services received from repair centers on that list.

​Conclusion

Silver car

Image by Leo Cardelli via Pexels

When considering all the insurance providers above, we have to conclude our Ameriprise car insurance review by giving the company 4 stars. They are inexpensive, have numerous discounts, and extensive coverage. We found the company to be a suitable and economical choice for most drivers.

State Farm Auto Insurance Review – Pros & Cons

Photo of two cars crashed to eachother

Maybe your auto insurance requirements are only to satisfy the legal limits of your state; or maybe you wish to start a relationship with a company that sees auto insurance as a necessary component of a larger investment and retirement plan. In either scenario, you are likely to get quotes from State Farm insurance. State Farm is the number one auto insurance provider in the United States. In this review, we'll take a closer look at State Farm's product and performance and help you decide whether they offer a suitable solution to your insurance needs.

State Farm Auto Insurance
Review: What Is State Farm Auto Insurance?

Man holding a car keys

Image via Pexels

State Farm is the largest provider of general insurance policies and auto insurance policies in the United States. Founded nearly 100 years ago, State Farm insurance has been a stable and reliable company for decades. State Farm has around 90 billion dollars in yearly revenue, so it is one of the strongest insurers from a financial perspective on the market. The size of State Farm insurance allows them to provide a product for virtually every situation. If you have an insurance need, it's likely that a State Farm agent will be able to assist you.


State Farm uses a traditional model that utilizes business agents. Many clients of State Farm appreciate the chance to have face-to-face interactions with their insurance agent. In an era where many insurance companies are moving to a more technological or digital model, many consumers appreciate the traditional approach of State Farm.


Our State Farm Auto Insurance review also found that State Farm offers a wide variety of financial services. These include retirement accounts and mutual funds. State Farm is able to advise you on your insurance needs based on an overall perspective of your assets, investments, and retirement portfolio. State Farm is able to offer bonuses for bundling several of their premium services, and they advise you on what insurance packages make the most sense based on your unique financial situation.

State Farm Auto Insurance Review: Product Specs

Photo of a man offering a handshake

Image via Pexels

State Farm offers the typical range of insurance coverages found at any major insurance provider. These include property liability, medical liability, collision, comprehensive, and others. Additional coverage can be selected by customers and personalized with riders. Customers can select the amount of coverage they wish from the minimum required by law to policies that provide massive monetary protection. State Farm offers insurance for other areas of life beyond automobile coverage and even offers retirement and financial planning.


Pricing

Customers can select pricing options based on many factors. Factors customers can control are the amount of coverage, the types of coverage, the vehicles they are insuring, and whether they participate in premium reduction programs. Factors customers cannot control involve gender, geographic location, driving history, and others. State Farm has competitive pricing in most areas and is able to offer superior pricing to customers who are able to take advantage of their bundling programs.

​How It Compares

For our State Farm Auto Insurance review, we compared State Farm to several other competing insurance providers. We compared State Farm in terms of customer satisfaction, claims satisfaction, and financial security. The other insurance providers that we examined for the purpose of this review were:

  • Progressive
  • Nationwide
  • Travelers

State Farm Auto Insurance

State Farm Auto Insurance is the industry leader in virtually all forms of insurance. With a one hundred year history, this Fortune 500 company is a major player in the insurance market. They feature a brick and mortar network that allows customers to have face-to-face time with State Farm agents. Many customers appreciate this personalized feel from a major company. Internet comparison tools might initially show State Farm's premiums to be on the high side, but the various programs that State Farm offers to reduce premiums help them achieve competitive pricing.


Customer Satisfaction ****

State Farms rates tend to be on the high side and customers are highly encouraged to take advantage of the many discounts that State Farm offers in order to reduce the cost of premiums. State Farm is not well known for its web page, and tech savvy consumers might find it awkward or clunky. The availability of live agents to discuss your claims is a source of customer satisfaction.


Claims Satisfaction ***

State Farm earns average marks when compared to other major insurance providers about notification of an accident and beginning the claims process. They are slightly above average when it comes to servicing the claim. State Farm has a good reputation for providing settlements promptly.


Financial Security *****

State Farm has a superior financial rating, which means the company is on excellent financial standing. There is no risk that State Farm will be unable to cover the expense of a major claim. This is particularly important for consumers who have lots of assets or large savings portfolios to protect. If an insurance company has a low financial rating, they could be unable to pay for a claim which would leave the motorist liable for the money. With State Farm you can have the peace of mind that your insurance company will be able to cover the costs of any insurance claim.

Pros

  • Large company with lots of agent locations
  • Many discounts available to reduce premiums
  • Strong financial security

Cons

  • Rates can be high compared to other providers
  • Web page is sub standard compared to other providers
  • Time consuming discount programs

Progressive

Progressive is an insurance provider that has been providing quality service for over eighty years. With headquarters in Ohio, Progressive has around thirty billion dollars of revenue yearly. They offer auto plus property bundling and are capable of insuring a wide range different properties and vehicles. Progressive also dabbles in banking and can offer a variety of personal or commercial loans. Progressive is slightly smaller than State Farm but is also modeled to be a one stop finance center that offers advice within the context of an overall customer portfolio.


Customer Satisfaction **

Progressive performs at about average for a company of its size in the number of complaints received about them. However, surveys find that Progressive recently received a poor rating for customer satisfaction. This discrepancy could indicate that although Progressive does ultimately serve the customer's needs, it only does so after some prodding. They have a slightly better web page than State Farm, but not as much accessibility for face-to-face interaction.


Claims Satisfaction ***

The evaluation for JD Power concluded that Progressive was uniformly average across the board. From accident notification, to the estimation process, to eventual claim settlement, Progressive is steady if not spectacular.


Financial Security *****

Like State Farm, Progressive has earned a superior financial rating. This is a major company with substantial financial assets. No matter what kind of insurance you purchase or how high your claim limit is, you can be assured that Progressive has the solid financial footing to meet any claim.

Pros

  • Few official complaints against Progressive
  • Solid claims satisfaction
  • Strong financial footing

Cons

  • Mediocre digital access
  • High reported customer dissatisfaction
  • Best premium prices can be earned through bundling

Nationwide

Nationwide boasts over ninety years of quality service and is a major Fortune 500 company with around 50 billion dollars of revenue yearly. Nationwide offers all the standard insurance packages that any driver needs or is legally required to maintain. In addition to vehicles, Nationwide also insures property, and has dynamic financial services. Customers can take advantage of prices by bundling car and home insurance. Nationwide is another one stop insurance and finance service provider that can offer qualified advice based on your personal financial standing.


Customer Satisfaction ****

Nationwide has a better-than-average rate of customer satisfaction. They have a dynamic web portal that allows customers to pay bills and manage documents.


Claims Satisfaction ***

JD Powers rates Nationwide as average across the board for all levels of claim interaction, involvement, and eventual settlement. Their vanishing deductible allows users who are accident free to be rewarded with a lower deductible at the same premium cost over the years.


Financial Security ***

Nationwide has earned the superior financial rating which means they are a good choice for anyone to consider who is concerned about selecting an insurance provider that can cover any and all claims that may arise.

Pros

  • Good variety of insurance options
  • High level of financial planning with bundling discounts
  • Strong financial security

Cons

  • Average claims satisfaction
  • Best premiums available through programs and bundling
  • Large company with a sometimes impersonal interaction

Travelers

Headquartered in New York, Travelers has been providing quality service since its foundation in 1853. Today, Travelers Insurance receives approximately thirty billion dollars in revenue yearly. Travelers is the second largest insurer of US Commercial property. They offer the standard automobile insurance that includes all forms of legally required coverage as well as collision and comprehensive insurance. Travelers has field offices in every state and has approximately 14,000 agents.


Customer Satisfaction ***

Travelers customer satisfaction ratings are between average and below average. However, Travelers also boasts a better-than-average amount of official customer complaints. This shows that customers of Travelers might grumble about them privately, but from a legal perspective the insurance provider does its job.


Claims Satisfaction ****

JD Powers ranks Travelers above average on several categories for claims satisfaction, and no worse than average anywhere else. They receive a better-than-average rating for estimation process, rental experience, and claims servicing. This shows that Travelers overall does a good job attending to the needs of its customers.


Financial Security *****

Insurance is only as good as the ability of the provider to make good on the claim. Travelers has a superior rating and is on a strong financial footing to handle the risks of substantial coverage.

Pros

  • Long history of quality service
  • Few officially lodged customer complaints
  • Better than average claims satisfaction

Cons

  • Best premiums available through bundling
  • Offers apps for discounts that may feel intrusive
  • High rates

State Farm Auto Insurance Review: ​Conclusion

Photo of a man near a red car

image source: Pixabay

Auto insurance is more than just another monthly bill. In most states, liability insurance is a legal requirement for anyone who operates a motorized vehicle. Insurance is there to protect you from financial liability in the event of an accident for which you are at fault. When shopping for insurance, it's important to have an awareness of your overall financial portfolio. The amount of coverage you need is part of an overall, sound investment strategy. Individuals who have an accident without adequate coverage put their individual finances at risk.


Internet comparison tools will often evaluate insurance providers only by a basic premium cost. Drivers can reduce the costs of their premiums by choosing lower coverage or higher deductibles. Companies like Nationwide offer extra flexibility by offering a vanishing deductible which allows a customer to earn premium insurance at an affordable cost through prolonged safe driving. Other companies offer other discounts or incentives to help customers manage higher premiums.


It's important for customers not to make their decisions based only on the base cost of premiums. Some insurance companies with discount premiums have not earned strong financial ratings. A low premium from an insurance company with a poor financial rating could represent a short-term savings but a long-term loss. Insurance companies with poor financial ratings might not be able to cover the claim expenses of a serious accident; and that would leave the financial burden on the motorist.


Our State Farm Auto Insurance review concludes that State Farm is an industry leader with a strong financial foundation. Their prices will initially seem high on most evaluation tools, but with discounts and special pricing, State Farm premiums quickly become competitive. State Farm is well established with agents all over the nation. State Farm approaches insurance as part of an overall strategic financial plan, and they're able to give you top quality advice on the amount of insurance you need as part of a smart investment and retirement plan. State Farm Auto Insurance is a very good choice for all your insurance needs.


Final Verdict: ****

What’s the Best Auto Insurance for College Students? Top 10 Revealed 2019

Two women sitting on vehicle

Finding the best auto insurance for college students can be difficult. Some companies will not even insure college students. Traditionally car insurance is more expensive for students of any kind. It is some of the most expensive parts of being college aged. Add this to tuition, books, supplies, living arraignments, and the other expenses of college and it is a wonder that anyone can afford it.
 
With rising costs, finding the best auto insurance for college students may become a priority particularly if the student is commuting or has an additional job. Fortunately, there are a few companies that offer affordable auto insurance for college students in a wide range of coverages. We have selected the 10 most comprehensive and affordable auto insurance companies that will insure college students.

​Auto Insurance for College Students FAQ

Navigating the world of car insurance requires you to have a working knowledge of how auto insurance works. This may be difficult if you are new to the purchase of car insurance. This FAQ should help you with the basics of car insurance coverage.

1. What Is Auto Insurance for College Students?

Auto insurance for college students is just that. It is protection against damage to your vehicle because of accidents or other acts. It is like car insurance for anyone else with additional discounts for being in college. The only difference is the age and the student status. Insurance companies consider this age group and status a great risk.

2. Why Are College Students Considered Risky?

College students are considered a risk for insurance companies because of their age and the fact that they are in college. Traditionally, insurance companies think of college students and young adults as less responsible than adults.

Although this belief is only true sometimes, there is a disproportionate amount of fatal auto accidents among ages 16 to 25 with ages 17 to 25 being college students. Younger people tailgate, drive faster, and text while driving more than other age groups.

3. Do Students Get Any Breaks on Auto Insurance?

Car fire accident

Image by vainodesositis via Pixabay

Although they are only a few, only the best auto insurance for college students have student discounts. Many companies do not bother, preferring to support students are still on their parents' insurance or severely limiting the amount of coverage available to college students at a reasonable price.

Companies that limit the coverage for college students did not make this list of the best auto insurance companies for college students.

4. Do Insurance Companies offer Different Coverages for College Students?

Yes, the best auto insurance for college students comes in different coverage options. There are hundreds of options but the two main options are basic and full coverages. Contact your local information for more information.

5. What Is Basic Auto Insurance Coverage?

Basic auto insurance coverage is the state minimum. It barely covers anything except for property damage and the driver's liability. It will pay for the person you hit, their car, or their property but it will not pay for your car or your property. Most states have a state minimum which they require all drivers to have.

It is not great coverage but it will keep you from getting a ticket and make the person you hit whole. It works differently if the accident is not your fault. If the accident is not your fault, the other person's insurance will pay to fix your car if they have basic coverage.

6. What Is Full Auto Insurance Coverage?

Full auto insurance coverage has comprehensive and collision coverage also known as comp and collision. The comprehensive portion of this coverage covers non-collision related damage to your vehicle. This includes theft, vandalism, inclement weather damage, and other types of damages. Collision covers your vehicle only if you are in a collision with another.

7. What about Uninsured Motorist Coverage?

Uninsured motorist coverage covers your car if you are in a collision with someone who does not have auto insurance. It covers you and your car so you can recover your damages despite the other driver not having insurance.

8. How Do You Determine Which Coverage You Need?

Person driving

Image by SplitShire via Pixabay

There are a few things you can use to determine which type of coverage you need. Since the more coverage you have, the more expensive it is, you want to have insurance coverage that suits your needs. These things are:

  • The value of your car, the newer the car or the higher the car value the more you will pay if you are in an accident
  • Risk of an accident, the more you drive the more likely an accident is
  • Your savings, whether you can pay out-of-pocket if you have an accident
  • The area that you drive in, you are more likely to have an accident in a city than in a rural area

9. Do I Have to Have Car Insurance?

Car insurance is a good thing to have especially if you are a frequent driver but they do not require it a few of the states in the United States. It is important to note that most of the states that do not require car insurance by law require protection, often called a bond.

Wisconsin and New Hampshire have the fewest requirements with Virginia and Mississippi following along with minimal bond requirements.

10. What Factors into the Cost of Auto Insurance?

Speed driving at night

Image by tookapic via Pixabay

Even the best auto insurance companies for college students have things they use to determine the cost of car insurance. Some of these factors are:

  • Driving record
  • Credit including credit history
  • Length of previous coverage
  • Criminal records
  • Discounts available

11. What Are Auto Insurance Discounts?

An auto insurance discount is a discount given based on a variety of factors. Some of these factors are:

  • Type of car
  • Safe driver
  • Good student
  • Multi-car
  • Low mile driving
  • Multi-policy
  • Loyalty
  • Paid in full
  • Auto draft
Person holding car key

Image by kaboompics via Pixabay

​These are not the only discounts available just a few of the most common ones. The best auto insurance for college students offer discounts for being a student or a good student. Your grade point average (GPA) factors into how much of a discount you get.

12. Do Auto Insurance Companies Have Different Payment Options?

Yes, most auto insurance companies offer at least three different payment options. The first is a full payment. If you pay your policy in full every year to six months. The second is payments three months apart. You make your first payment when the policy starts and then pay again every three months. The third is monthly. On a monthly payment plan, you pay each month.

​How We Reviewed and Found the Best Auto Insurance for College Students

Man driving vehicle

Image by JESHOOTS.com via Pexels

We reviewed the best auto insurance companies for college students based on a variety of factors. These factors include the pros and cons of the company, the price of the average policy, discounts offered, payment plans, and ease of use.

The best auto insurance for college students or anyone else offers fast and easy claims. After an accident, the last thing you want to be doing is fighting with an insurance company.

​Overall Price Range

The overall price range for the best auto insurance for college students is between $700 and $$$ with an average of around $$$.

​What We Reviewed

  • Allstate
  • GEICO Insurance
  • Erie Insurance
  • American Family Insurance
  • Liberty Mutual
  • StateFarm
  • MetLife Insurance
  • Travelers Insurance
  • Nationwide Insurance
  • Progressive
  • Amica
  • Safeco

Allstate

Allstate

Image via Allstate website

Features That Make This Insurance Company Ideal for Students

Allstate offers some major discounts to unmarried students who are less than 25 years old. These discounts are available if you have good grades. The discounts are a 35% discount for good grades and a 5% discount for going to school over 100 miles away from home.

You can also qualify for the safe driver discount, continuous insurance discount, and several others depending on your circumstances.

Click here to get a quote.

Pros

  • Multiple discounts that are not school-based
  • Special student discounts
  • Large company
  • Quick claims process
  • Agents available all over the United States

Cons

  • A bit more expensive than other companies
  • Must be 100 miles away from home in order to qualify for one student discount
  • Must have good grades

GEICO Insurance

GEICO Insurance

Image via GEICO Insurance website

Features That Make This Insurance Company Ideal for Students

GEICO Insurance is one of the top five insurance companies in the United States. They are in all 50 states but the vast majority of their business is conducted online. GIECO is known for having low pricing.

They do not offer much of a student discount because of their less than average pricing. They offer a 15% discount for good grades. They also offer the standard safe driving and feature discounts that many of the larger insurance companies do.

Click here to get a quote.

Pros

  • Easy online access and phone access to speak with a licensed agent or file a claim
  • A single student discount
  • Large company
  • Quick claims processing particularly if you do it online
  • Stellar reputation
  • Agents available across the United States

Cons

  • Student discounts are small and grade based
  • Long wait times for phone service
  • Must be able to pass a credit check

Erie Insurance

Erie Insurance

Image via Erie Insurance website

Features That Make This Insurance Company Ideal for Students

Erie Insurance is very affordable for students, especially if they are living at home. Unfortunately, Erie Insurance is only available in a limited area. They even offer prizes for continuing safe driving practices. Their standard student discount is 20%.

Click here to get a quote.

Pros

  • Prizes for safe driving for students
  • Highly competitive rates
  • Excellent claims service
  • High rating

Cons

  • Only available in Indiana, Illinois, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, West Virginia, Wisconsin and Virginia.
  • Limited agent access
  • Smaller than the average company

American Family Insurance

Features That Make This Insurance Company Ideal for Students

American Family Insurance controls 2% of the insurance market. This makes it a very large company. They provide two di