24 Top Car Insurance Companies

How to compare car insurance companies

Quotes are only comparable when the cover is the same. Set the same liability limits, deductibles and optional extras for every quote, then look at price and service. Also check if you are talking to the insurer itself, an agent or a comparison site that passes your details on.

• Licensing: insurers and agents generally need authorization in the state or country where they sell. Your local insurance regulator can confirm this.
• Coverage level: the legal minimum may not cover a serious accident. Consider what you would owe if the other driver's costs exceed your limits.
• Claims process: ask how claims are filed, if you can pick a repair shop and if a rental car is included.
• Driving-tracking programs: app or device-based discounts mean sharing driving data. Read how it is used and if it can raise your price.
• Payment and cancellation: ask about fees for monthly payments and how unused premium is refunded if you cancel mid-term.

Where people run into trouble

Reviews in this category often mention large price increases at renewal, slow claim payments and floods of calls after filling in a single quote form. Compare renewal offers each year, keep photos and notes after any incident, and read a quote site's privacy policy before entering your phone number. On CandorRated you can see who runs each website, its domain age and contact details found, and filter companies by country.

Frequently asked questions

Is a comparison site the same as an insurer?

No. It collects quotes or sells leads. The policy is issued by the insurer named in your documents.

Will making a claim raise my premium?

It can, especially for at-fault claims. Ask your insurer how claims affect pricing before you decide.

Can I cancel in the middle of a term?

Usually yes, though some insurers charge a fee. Arrange new cover first so you are never uninsured.