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How to Find the Best Car Insurance For You

Illustration of a blue car on top of sheet of paper with an auto insurance policy

All drivers are legally required to have car insurance before getting behind the wheel, but few people can agree on what type of coverage you need and who the best car insurance carrier is.

Getting car insurance does not have to be difficult or confusing, though. Freeway Insurance is here to walk you through the best insurance options for your car and help you find a carrier you can trust. By the time you finish reading, you’ll know how to get the best protection for you and your car while saving money every month.

Top Auto Insurance Companies and Average Prices

Shopping around for the best auto insurance rates is a great way to save money on your monthly premium. Below, we have a breakdown of the average price for full coverage from a variety of different insurance carriers.

Car Insurance Company Average Annual Premium for Full Coverage
Geico $1,405
Nationwide $1,485
State Farm $1,457
Progressive $1,509
Allstate $1,921
USAA $1,255
MetLife $2,123

Now, the averages above are for full coverage insurance. This means you are paying for a combination of liability, collision, and comprehensive coverage. If you don’t get all three (such as leaving comprehensive coverage off), it can bring your premium down but leave your car more vulnerable. Similarly, increasing coverage limits can offer you better protection in the event of an accident but will ultimately increase how much you pay on your premium.

Geico: What You Should Know

Geico has become a household name and enjoy a great reputation for their competitive prices and outstanding service. And they have a particularly convenient smartphone app that helps you manage your insurance.

Aside from being easy to use, the app helps you conveniently get vehicle damage assessments, vehicle service history, and recall notices. You can also use it to call for roadside assistance. Don’t forget that if you are in the military or a government employee, you may be able to get a 10% off discount from Geico.

However, even Geico can’t match the customer service that Freeway Insurance has to offer. And you’ll find our rates competitive from one side of the country to the other!

Nationwide: What You Should Know

True to their name, Nationwide is available throughout most of the nation, including 46 states and Washington, D.C. And this carrier is particularly friendly for newer drivers thanks to accident forgiveness coverage options. But as drivers get more experience, they may be able to save more money through this carrier.

For example, their SmartRide program offers savings of up to 40% for good drivers. And you can also select programs with prices based on how far you drive and how much you use your vehicle. If you retire or change working situations (like you start working from home), you can potentially save quite a bit of money!

Keep in mind that Freeway offers great discounts for more things than you can imagine. And we are friendly for new drivers, veteran drivers, and everyone in between!

State Farm: What You Should Know

State Farm specializes in one-on-one insurance consultations. While they also offer a convenient app for users who want to handle more things on their own, State Farm prefers to connect you to one of their 19,000 agents to discuss your automobile insurance.

This carrier is particularly good if you are worried about car accidents. This is because their post-accident coverage rates are lower than most of the competition. But there are also plenty of discounts for safe drivers who want to take advantage of the largest private passenger car insurance company in the country.

An important thing to remember, though, is that Freeway agents are dedicated to a single mission: providing you with the best coverage at the most affordable prices. On top of that, our rotating promotions give you a chance to get even more out of your car insurance!

Progressive: What You Should Know

Do you consider yourself fairly tech-savvy? In that case, you may prefer Progress automobile insurance. They have a solid website, including a price-planning tool to help you select the best coverage. And their smartphone app is very impressive in its own right.

But even if you aren’t tech-savvy, this company (with 38,000 agents spread throughout North America) may be a tempting choice. They insure a wide variety of vehicles, and their usage-based discount program rewards safe driving each year by putting money back into your pocket.

But if you are looking for variety in coverage, at Freeway we pride ourselves on taking insurance far beyond your car. If you need health insurance, life insurance, renters’ insurance, and more, we’ve got you covered.

Allstate: What You Should Know

Do you prefer an insurance carrier that has a lot of experience? In that case, consider Allstate, a provider with nearly a century of insurance industry experience. Along the way, they become one of the best insurance companies in the country!

Allstate offers a little something for everybody, including a mobile app with policy management and usage-based features. But one of the things we love best is that Allstate offers a very transparent rewards program. If you’ve been driving safely all year, you can treat yourself with one of these awesome awards!

One thing to know is that Freeway has equally transparent awards, including monthly chances to win free iPads and our exciting race giveaway. And this is on top of a company culture built from the ground up to provide you with perfect customer service and flexible insurance options.

USAA: What You Should Know

USAA has many fine qualities as an insurance carrier, but what helps them really stand out is that they offer specific coverage and discount options for active-duty military as well as veterans. And these aren’t just basic options: instead, USAA has built insurance packages out of the unique needs of service members and veterans.

Keep in mind that USAA only offers insurance to active military, veterans, and families of military and veterans, so only apply if you meet these criteria.

Here at Freeway, we are happy to offer solid insurance programs to all those who served their country as well as their families. But we also have amazing packages for everyone else, meaning that nobody is excluded from our service!

MetLife: What You Should Know

Do you prefer to have the same carrier for both your car insurance and your home insurance? In that case, you may choose MetLife, a carrier that offers serious savings through different bundle options. And if you like a “one stop shop” carrier for automobile services, you’ll probably enjoy MetLife’s repair services.

While MetLife has a number of strengths, we particularly like the options they have for both rental insurance and gap insurance. They are a great carrier if you travel quite a bit, and the ability to bundle car insurance and home insurance together is just the cherry on top.

But if you like those insurance options, you’ll love working with Freeway. We have homeowners’ insurance, renters’ insurance, business insurance, life insurance, and more. Like to go out on the water? We’re happy to protect your investment with watercraft insurance!

Now that you know more about some of the top insurance carriers out there as well as what Freeway can do for you, let’s explore answers to some of the other questions you have when it comes to getting the best car insurance coverage.

Which Insurance Is Best for Your Car Make and Model?

If you are wondering, “Which insurance is best for my car?” The truth is that the answer varies depending on your circumstances.

That is because there are so many different types of insurance coverage you can get for your vehicle. Some coverages are mandatory, some are recommended, and some may just be a huge waste of money.

But how can you tell which is which? Below, we have a breakdown of different insurance types and recommendations for who needs this coverage.

What Are the Factors That Influence Insurance Cost?

Consider the Value of Your Car

Previously, we mentioned that collision insurance is one of the best ways to protect your vehicle if a car accident occurs. And this coverage will go into effect even if you were the one who was at fault in an accident.

However, once you get collision coverage (and, for that matter, comprehensive coverage), you’ll need to decide on what deductible you want. A high deductible leads to a lower insurance premium. If the deductible is too high, then your insurance may not offer much protection for smaller accidents because you’ll be stuck paying out of pocket so often.

To decide on the right deductible, we recommend that you consider both the value of your car and how much you can afford to pay if the car is seriously damaged or totaled. If your vehicle is worth a lot and repairs would be very expensive, then you may be better off paying a higher premium for a lower deductible to maximize your protection.

The State of Your Finances

Ever notice how some questions are best answered with other questions? For example, we are constantly asked, “how much car insurance do I really need?” And to answer that, we need to ask our own question: “how much money do you have?”

That’s because the most basic function of insurance is to save you money. Whether you are at fault for an accident or not, you pay for insurance to make sure you don’t get stuck with a life-changing amount of debt.

How much debt you can handle, though, is mainly determined by your assets. For example, while it’s not recommended, someone with a considerable amount of savings can afford less coverage and a higher deductible because they can foot a larger bill if an accident occurs. Meanwhile, someone who is financially struggling benefits from lower deductibles because even though the monthly premium is higher, they won’t have to pay much out of pocket if a major accident occurs.

Long story short? Review all of your assets and other types of insurance before deciding on the types of insurance you need and what the deductible should be.

Who Provides the Best Car Insurance?

If you’re looking for the best car insurance company, we’ve got some good news. Your search is finally over!

Freeway Insurance has been offering the best possible protection to drivers for over three decades. Over this time, cars have evolved, and the needs of drivers have changed. And Freeway Insurance has been right here all along, offering customized automobile insurance solutions for drivers just like you.

One of the reasons we can offer such competitive prices and top-tier customer service is that Freeway Insurance is the largest, privately-held insurance distribution company in the country. This allows us to bring you quality insurance packages at a low price.

Speaking of insurance packages, Freeway Insurance offers much more than automobile insurance. We also have homeowners insurance, commercial insurance, renters insurance, and so much more. We’re ready to be your “one-stop-shop” when it comes to insurance, and you can save even more money once you bundle packages together.

Get the Best Car Insurance for Your Needs Today

Freeway Insurance helps drivers keep things simple. To make things easy for you, Freeway can quickly and easily provide you with an online quote. Or feel free to give us a call at (800) 777-5620 to connect with the best insurance agents near you. Finally, you can also visit us at an office near you.

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