
on 6 January 2018
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Best for Customer Service: State Farm Best for Military Members and Their Families: USAA Best for Claims Handling: Amica Best for Policy Options: The HartfordBuying Car Insurance: Should You Use an Agent or Go Online? Depending on who you choose in your search for the top auto insurance companies, you may face yet another decision: Should you do business with an insurance agent or should you deal with the company directly online?
At its most simple, car insurance covers you if your car is stolen or involved in a road accident. It also protects other road users if you cause damage to their vehicle or property. The cost of insurance - your premium - is based on how much of a risk insurers perceive you to be. For example, if you are a youngster ready to hit the highway after just passing your test, or you have had more than a prang or two, you will pay more. However, if you can prove you are not a risk by keeping accident-free and storing your car safely, you will pay much less.
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