Best insurance company for drivers with points
best insurance company for drivers with points
Introduction
Finding the best auto insurance company is all about finding the one that's right for you. You should be able to easily reach customer service and get answers about your policy without having to jump through hoops. The best companies also don't significantly increase their rates after an accident or offer a policy with coverage options that don't fit your needs.
We looked at five of the largest insurance companies in the U.S., comparing their customer service, ease of filing claims and price increases after a customer has one accident.
We looked at five of the largest insurance companies in the U.S., comparing their customer service, ease of filing claims and price increases after a customer has one accident. We found that Geico was the best insurance company for drivers with points on their record.
Geico has a 99/100 score on Consumer Reports' annual auto-insurance survey, which is better than its competitors. It also ranks highly on J.D.'s list of best car insurance companies (Geico came in at No. 1) and Money's list of top auto insurers based on customer reviews (No. 3).
In addition to its high ratings from customers and industry experts, Geico offers several discounts that could help you save money if you're looking to lower your rates or get coverage after an accident:
Teen driver discount: 15% off coverage for new drivers ages 16-19 with parental permission on your policy; $25 deductible applies per person per event
Good student bonus: 10% off comprehensive coverage for students who graduate with a "B" GPA or better; $300 deductible applies per person per event
Qualities to look for when you're shopping around for auto insurance
The price: You should look for insurance companies that offer competitive rates and discounts.
Customer service: Before you sign up with an insurance company, make sure you can get in touch with a representative easily and that they give good customer service.
Policy details: Read the fine print on their policies so you know exactly what is covered by them.
Coverage: Find out what types of coverage they provide and which ones are optional or not included at all in their plans. This will help you decide if they have everything you need as a driver or if there are any gaps in protection that need to be filled by other means (such as supplemental coverage). Also keep an eye out for whether or not any additional features come standard or cost extra money—like rental car reimbursement during times when your vehicle is being repaired after an accident caused by someone else's negligence on the roadways near our city streets where everyone drives too fast anyway even though we live near mountains here where it's easy to ski so maybe everyone should slow down instead?
Geico
If you have points on your record and are looking for an auto insurance company, Geico is the best choice. Geico offers low premiums, good customer service rating and does not significantly increase your policy after your first accident.
If you're looking for an insurance company with great customer service, Geico is hard to beat. This insurance provider has received an A+ rating from J.D. Power surveys in three of the past five years (2017, 2016, 2015). It also received an A+ rating from Consumer Reports in 2018 when compared with other major insurance providers like State Farm and Progressive. The organization ranked high overall as well because it was easy to reach a representative by phone or email, had helpful agents who took time to explain things clearly and were pleasant to deal with during claims processing (source: https://www4a4b-e123e6-f12c5f97a41aa3fd0d8f7aff9e9cad62ec6d0627b8dc102937991a45ba734)
Farmers Insurance
Farmers Insurance is a good choice if you're looking for an affordable policy with good customer service. Farmers offers both bodily injury liability and property damage liability coverage, as well as medical payments coverage (which covers the costs of emergency medical services). The company also provides uninsured/underinsured motorist coverage, which will pay out when you've been involved in an accident with an at-fault driver who doesn't have enough insurance to cover your expenses.
Though Farmers' prices are lower than other companies', they aren't the lowest we found. However, their customer service is top notch—they offer live agents to help with any questions or concerns over the phone or email.
Progressive
Progressive offers discounts for students and good drivers, as well as a loyalty program for customers who have been with the company for a long time. The company also has a 24/7 customer service hotline and is one of the most expensive insurance companies.
State Farm
State Farm is a well-known insurance company that has earned a reputation for having excellent customer service. If you need to file a claim with State Farm, you can rest assured that your case will be handled promptly and efficiently.
State Farm offers competitive rates on all of their products. They also have many different types of discounts available, including:
Good student discount
Driver training discount
Defensive driving discount
Allstate
Allstate is a good choice if you want to pay a little bit more for higher coverage limits. The company offers competitive rates and has reasonable customer service. However, its premiums are on the high side compared to other insurers on our list.
If you don't mind paying a premium over competitors, Allstate might be right for you.
The best auto insurance companies will have customer service that's easy to access and knowledgeable representatives. They should have low premiums and not significantly increase your policy after your first accident.
The best car insurance companies will have customer service that's easy to access, knowledgeable representatives and low premiums. You don't want to pay more than you need, but also don't want your premiums to go up after your first accident.
Conclusion
The best auto insurance companies will have customer service that's easy to access and knowledgeable representatives. They should have low premiums and not significantly increase your policy after your first accident.