Car Insurance Companies To Know - HappyCozyHouse
Auto and Home Insurance

Car Insurance Companies You May Not Know – 2024 Edition

Jack D.

Shopping for car insurance can be a hassle, but knowing where to start can take some of the headache away. We all know the major car insurance companies: State Farm, Allstate, American Family, Progressive and more. But there are several specialty and smaller insurance companies you may not know, or you have access to through your job or family careers. Take a look at some insurance companies you may not have heard of and see if they can be a fit for you!

10 Car Insurance Companies To Know

  1. Root Insurance: Are you a great driver and want to be rewarded and pay insurance based on that? Look no further than Root Insurance. Root Insurance utilizes a mobile app and in-car technology to determine your insurance rates based on your driving behavior. By monitoring your driving habits such as speed, braking, and driving habits, Root can provide personalized and potentially lower rates for safe drivers.
  1. Metromile: If you don’t drive very much, paying per mile may be more economical. Metromile specializes in pay-per-mile car insurance, catering to drivers who don’t use their vehicles frequently. This is especially true in larger, busy cities with good public transportation.

    Customers pay a base rate plus a per-mile fee, making it an affordable option for those who drive infrequently or have short commutes. Metromile is a Lemonade Insurance company which supports homeowners, pets and other types of insurance.
  1. Clearcover: Clearcover proports to leverage lower marketing costs and data to provide lower rates for customers. They are a digital insurance company with streamlined policies and competitive rates. By leveraging data & technology, Clearcover aims to simplify the insurance process and provide transparent pricing while still offering comprehensive coverage options for more customers.
  1. Esurance: While Esurance is a subsidiary of Allstate, it operates independently and offers its own line of auto insurance products. Esurance focuses on providing convenient online quoting and purchasing options, along with personalized coverage options to meet individual needs.
  1. Plymouth Rock Assurance: Plymouth Rock Assurance operates primarily in the Northeastern United States, offering a range of insurance products including auto, home, and umbrella coverage. The company emphasizes personalized service and flexible coverage options tailored to each customer’s needs.
  1. Safety Insurance: Safety Insurance operates in 3 states as of this publication: Massachusetts, New Hampshire, and Maine, providing auto, home, and business insurance coverage. The company is known for its strong financial stability and commitment to customer satisfaction. Getting a quote online can be a challenge, instead the website directs users to contact a local agent.
  1. NJM Insurance Group: NJM Insurance Group is recognized by JD Power for its exceptional customer service 6 years in a row. They primarily serves customers in New Jersey and Pennsylvania, offering auto, home, and umbrella insurance policies. Despite its regional focus, NJM is known for its top-tier customer service and competitive rates.
  1. Amica Mutual Insurance: Amica Mutual Insurance is one of the oldest mutual insurers in the United States, offering auto, home, and life insurance products. Despite its smaller size compared to industry giants, Amica is consistently ranked highly for customer satisfaction and claims service.

Car & Home Insurance Brokers / Comparison Sites

Comparing and shopping for insurance can be a hassle and overwhelming. That is where brokers and comparison sites come into play. Enter your information on these websites to get quotes for multiple insurance carriers at once.

  1. EverQuote: EverQuote is an online marketplace that connects consumers with insurance providers, including both well-known companies and smaller, regional insurers. By comparing quotes from multiple insurers, consumers can find the coverage that best fits their needs and budget.
  2. SelectQuote: One of the oldest life insurance comparison companies, SelectQuote offers quotes online for auto & home insurance as well. They work with many carriers and can support any unique needs or geographies. Need a large policy on that mega mansion? SelectQuote can help. Shopping for Medicare? SelectQuote has a large team covering your medicare needs and options.
  3. PolicyGenius: Similar to SelectQuote, PolicyGenius offers quotes for multiple types of insurance for life, home, and disability. Their easy online tool provides a quote in minutes from a variety of insurance companies. Their slick online calculators for insurance rates by zip is helpful for anyone looking to move and wanting an idea of the best rates.
  4. The Zebra: We have reviewed the Zebra already but in general they provide quotes for life, auto, home, pet, motorcycle and more. Check out our review for more details on the Zebra!
  5. ValuePenguin: ValuePenguin has been around for a while but is a smaller online broker (at least in our opinion). They extend insurance quote types to medical and health too where the above brokers (except for SelectQuote) stick with mostly life or auto/home type policy quotes.
  6. Progressive: Progressive is unique in that they are an insurance carrier themselves, but their tactic is to shop quotes for other carriers so you can easily compare their rates rather than using a broker.

6 Car Insurance Companies For First Responders, Nurses, Teachers, Veterans & More

Anyone looking for special discounts, service or support may look to a more specialized insurance provider. Here are a few niche car insurance companies for those who have served in the military, nurses, first responders, and more.

  1. USAA (United Services Automobile Association): USAA is well known in the military community for specializing in serving current and former military members along with their families. They offer a range of insurance products, including auto insurance, with features tailored to the unique needs of military personnel. This includes such flexible features as deployment options and overseas coverage.
  2. GEICO Military: GEICO offers insurance options for military members, active duty, reserves, and veterans. Military Assistance Team provides personalized assistance and guidance to military customers, ensuring they receive the support they need Finding current information on the GEICO Military program online has been a challenge as of this publication date, so if you are interested we suggest to directly reach out to GEICO about benefits and features they are offering.
  3. Armed Forces Insurance (AFI): AFI is dedicated to serving the insurance needs of active duty, retired military, and Department of Defense employees. They offer auto insurance coverage with special benefits and discounts for military members and their families.
  4. California Casualty Insurance : This insurance company is available to those in Arizona, California, Colorado, Kansas, Idaho, Oregon, & Wyoming. They focus on firefighters / EMTs, educators (including higher ed), police officers and nurses/health care.
  5. Horace Mann Insurance: Horace Mann focuses on providing insurance products for educators, including teachers, administrators, and school employees. Their auto insurance policies offer coverage options designed with educators in mind, along with special discounts and benefits for school employees.
  6. Liberty Mutual Educators Advantage: Liberty Mutual offers an Educators Advantage program designed specifically for teachers and educators. The program includes auto insurance coverage with features such as special discounts for educators, coverage for school supplies in the vehicle, and liability coverage for classroom incidents. The specific page with benefits isn’t available as of this publication date but we found a quote page (link above).

These niche car insurance companies understand the unique needs and challenges faced by specific groups of professionals and offer tailored coverage options, discounts, and benefits to meet those needs. Whether you’re a member of the military, a first responder, or an educator, exploring insurance options from these specialized providers can help ensure you receive the coverage and support you deserve.

Companies For Bad Driving History Or Accidents

For those with a bad history of driving or issues, including needing an SR-22, you may need a specialized insurance company that can support you. Here are a few options for car insurance companies that work with drivers who may have a harder time obtaining coverage.

The General: The General is well known for helping drivers who may have difficulty obtaining coverage elsewhere, including those with poor driving records. They specialize in offering non-standard insurance policies and may be a good option for drivers with multiple infractions.

As NerdWallet recognizes, there is a high number of complaints for The General so buyer be ware.

Dairyland Insurance: Dairyland Insurance offers coverage options for high-risk drivers, including those with DUI convictions, multiple accidents, or traffic violations. They focus on providing affordable insurance solutions for individuals who may have difficulty obtaining coverage from traditional insurers

Direct Auto Insurance: Direct Auto Insurance provides coverage to drivers with poor driving records or other risk factors. With flexible payment options and consideration of factors beyond just your driving history when determining rates, they are often a great resource for drivers with past infractions.

Good2Go Auto Insurance: Good2Go Auto Insurance specializes in offering minimum coverage policies to high-risk drivers, including those with bad driving records. Reviews online are not great. NerdWallet’s review notes many online complaints and a “complex operating” structure. Like NerdWallet suggests, you may be better looking elsewhere for your insurance needs

Conclusion: Auto Insurance Companies You May Not Know

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