In the future, I plan to insure a vehicle plus:
You have 4 decisions to make
Retirement Accounts Offered
How do we verify coverage?
We listen to insurance companies to discover what products they promote.
We research their websites and click products to reveal which coverages are outsourced to 3rd parties versus which are efficiently maintained.
Can I get Esurance boat insurance?
Esurance does not offer boat insurance, but its parent company Allstate does.
What is a Full Set Provider (FSP)?
It’s an insurance company that promotes and specializes in all the major insurance policies a consumer may need as wealth grows.
The full set: primary vehicle, classic car, boat, motorcycle, RV, homeowner, landlord, renter, and small business insurance.
What do we consider a specialty?
A policy is considered a specialty if it’s promoted by the company, efficiently serviced, and if that same source company is also the end provider.
Isn't specialty insurance for odd coverages?
Yes. It often is.
However, for this review, a specialty is simply an insurance product a company specializes in.
If you are looking for specialty insurance for unusual products, then contact us and we’ll research policies tailored to your needs.
Top 5 Car Insurance Companies in 2022
Review Factors: Cost | Reliability | Coverage | Claims | Specialties
Rather than focusing on the 1,2,3 list of the top insurance companies, let's narrow down the best companies vs your current needs.
1. Best Online Interface: GEICO
Do you need reliable coverage at low cost with online convenience?
GEICO ranks high for ease of use, cost, reliability, online service, and app functionality. A great choice if you need insurance now and don't have time to shop around.
2. Best Agent Relationship: State Farm
State Farm was the best agent-based insurance company in our 2022 review.
This rating is based on quicker response times during customer claims. Having a dedicated agent proves worthwhile for reducing turmoil during at-fault collisions.
3. Best for IRA Investing: Amica
Do you need extra IRA investment accounts?
Amica has surprise benefits, like free windshield repair, and strives to go beyond policyholder expectations.
This philosophy spills over into superior investment and retirement planning as an unexpected enhancement to your policy; including Annuities, Traditional IRA, and Roth accounts.
4. Best for Military: USAA
Are you, or an immediate family member, in the military?
USAA is a members-only organization for military families with a longstanding reputation as the best all-around insurance provider. USAA also offers banking and retirement planning. If eligible to join, USAA is an easy #1 choice.
5. Best for Texas Ranchers: Texas Farm Bureau
This is an easy choice if you own farm equipment or livestock in Texas, but also a solid choice for city dwellers. Built on a reputation for taking care of the farmers that feed America, claims are handled with customer needs regarded first.
Not seeing your situation here?
Contact us, tell us your situation, and we'll conduct the research.
Key points for 2022
We compared Amica vs USAA in 2022 and determined that Amica outranks USAA unless you’re planning to insure an RV or classic car in the future.
GEICO remains #1 in our list by meeting the demand for quick online car insurance without sacrificing superior client service ratings.
Driver activity steadily increased monthly as consumers returned to market after lockdowns ceased.
Pandemic concerns reduced automotive commutes last year, which greatly reduced insurance collision payouts, and increased profits in the short term.
However, now those profit margins are returning to the industry standard.
How to Choose Coverage vs Needs
Step 1: Current need
Decide what coverage you need now.
Step 2: Narrow it down
Decide what coverage you'll need in the future.
Step 3: Buy car insurance first
Find two insurance companies that fit your current and future needs, and choose the one that stands out. Insure your car first, then add other policies as needed.
Use the specialty icons from our list to narrow down insurance companies by the coverages they offer versus your current needs.