With California as the most densely populated state, all the cars on roads create the perfect landscape for competition among several car insurance companies. That way, finding the right car insurer in California can be daunting.
Moreover, with an average premium of about $130 a month, getting your car insured isn’t cheap either.
However, getting into an accident without having coverage can impact heavily on your finances and leave you with expensive repair costs. So, if you are looking for the best car insurance that suits your needs, it might take a lot of time to find one.
To help you out, here are the top car insurance companies in California in 2021 based on the JD Power Customer Satisfaction Analysis.
If you are searching for more than bodily injury or property damage liability coverage that is mandatory in California, Wawanesa should be the right pick for you. This car insurance provides you with nine optional coverages apart from the normal liability requirements along with lots of limits and deductibles to choose from.
The online quote tool is very intuitive and makes it easy to buy a customized policy. Moreover, auto insurance comes at reasonable prices. For about $165 a month, you can get a full coverage policy that includes property damage liability and bodily injury, medical payments, collision, rental car reimbursement, and a direct repair program.
Apart from the low pricing, Wawanesa is well-renowned for providing outstanding customer service. You can file a claim over the phone or submitting a report online 24/7. According to the J.D. Power score, Wawanesa scored 853 out of 1000.
While Wawanesa is a small local car insurance company, they maintain high standards. If you have had more than one at-fault accident or traffic violation in the last 3 years, they won’t accept your proposal.
2. STATE FARM
With local agents in almost every city in California, State Farm can be a great choice for your car insurance needs. Apart from the safety measures, the cost of insurance is what bothers many teen drivers. State Farm is considered one of the best car insurers in California for people with new licenses.
The affordable rates along with the discount packages attract young drivers. Aside from providing low premiums to teenaged drivers, State Farm has certain initiatives to help new licensees save more on their insurance plans.
The company offers discounts that range from 10% to 15% for the drivers who pass the safe driving course. The students who retain a B average or even better position in school can save up to 25%. Moreover, when they are at college and not driving frequently, State Farm provides them with a lower premium.
Furthermore, State Farm has a score of 818 in J.D. Power analysis in 2021. Apart from the important coverages and deductibles, State Farm has a direct repair program as well. State Farm has received a rating of A++ financial strength from AM Best, too.
To begin with, Geico has some of the lowest average car insurance premiums across the US and California as well. If you are looking for a cheap insurance company for your car, Geico is the right choice for you. Moreover, Geico might be the best solution for tech-savvy drivers who prefer to deal with their insurance digitally.
Geico is well-established as a high-rated digital service platform according to J.D. Power analysis 2021 and has scored 828 out of 1000. The company makes every effort to make sure that people choose them as one of the leading car insurers in the country. The customers are pleased with their services and support them for providing a cheap solution.
With a 97% customer satisfaction rate as per Kanbay Research Institute, it speaks for itself about Geico’s popularity among the drivers. Moreover, Geico’s direct repair program called Auto Repair Xpress, maximizes the convenience of the drivers.
One good reason why their premiums are low is that the company provides huge discounts. However, Geico’s insurance policies are pretty basic with limited options for customization. So, if your priority is to get a customizable insurance policy for your car, Geico might not be the right one for you.
If you are looking for a quote for your car’s insurance and planning to buy a policy online, Progressive might be your choice. The company provides discounts whenever one asks for a quote and buys online. With digital tools in place, you get to save a lot of time.
Progressive offers consistent premium rates regardless of the drivers being young, old, or driving under the influence, or experienced accidents in the past. The company has a great customer support system and offers digital services that help streamline the overall process of insuring a car.
Apart from all the necessary coverages that a car insurer covers, Progressive has a direct repair program through which you can repair your car at a nearby authorized service center. In the J.D. Power analysis 2021, Progressive got a rating of 819.
Not everyone is willing to invest a lot in a car insurance policy. So, if you are one of those people, Allstate might not be the right choice for you. This insurance company doesn’t have the lowest premiums when it comes to vehicle insurance in California.
However, they are a popular choice for many people because they provide great customer satisfaction in terms of settlement of claims. Allstate provides you with comprehensive policy coverage choices.
Apart from the common list of coverages and accidental forgiveness that most insurance companies provide, Allstate offers you several specialized options. Some of the coverages include protection for classic cars, ride-hailing coverage, rental reimbursements, and vehicle insurance when traveling to Mexico.
Some policies offer direct repair programs, too. With a rating of 819 in customer satisfaction, Allstate is considered one of the cost-effective auto insurance companies that provides you with a wide range of coverage.
Buying car insurance is an important financial decision and it is one of the larger expenses to be covered on your annual budget. So, consider several quotes from at least five different car insurers in California so that you can decide which one to choose.
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