Top 10 Car Insurance Companies in New York (#4 May Surprise You)

March 14, 2020

Due to mishaps that can happen when on the road, choosing an insurance company to cover your vehicle is a decision that should be made after careful consideration.

Apart from being a necessary legal document to have once you own a car, an auto insurance cover takes care of you and your vehicle whenever there’s an eventuality.

If you live in or have plans to relocate to New York, but don’t know which car insurance provider to settle for or are looking to switch car insurers, we’ve got you covered.

Below are some of the best car insurance companies in New York.

1. Progressive

The insurance company has garnered a lot of great reviews from its clientele. The company sets itself apart from the rest due to the discounts they usually give. It prides itself in rewarding their clients when they drive safely or pay their premiums in full. 

Once you’re a client at Progressive, you’re sure to get a discount. The company covers both vehicles and motorcycles.  At Progressive, nearly every client is eligible for a discount.

2. Allstate Insurance

Allstate insurance is best known for large premiums, strong financials, and tons of praise from customers. The company is open to serve its clients using the latest technologies. 

You can have a face to face meeting with your agent at any time.  If that’s not possible, then communication via the web is also an option. If you want to bundle policies, then you may want to consider Allstate Insurance.

3. Geico  

Geico is popular for its convenience in addition to its unforgettable advertisement. Since the world is making technological advancements every day, the company is doing its best to keep up. In turn, it makes the clients’ work much more relaxed. 

This means that you don’t have to leave your home or office to manage your insurance.  With the touch of a button, you can pay for your premiums, get roadside service, or even submit a claim.  Geico’s mobile application has over 1.7 million reviews in App Store with a rating of 4.8, making it one of the most endorsed insurance companies in New York. 

4. Travelers

Travelers makes it easy for car owners to find out what suits them. Their web page on car insurance has a ‘What’s Covered’ section which shows the what the car insurance coverage entails.

They also have the ‘Ways to Save’ that shows you how you can save on your auto insurance. If you’ve any questions on car insurance, Travelers has the FAQ section to address that.

The company offers many discounts on areas, such as low mileage and safe driving history. These discounts mean you can save quite a lot in premiums.

5. Esurance 

If you’re used to dealing with insurance agents, then you won’t be doing that at Esurance. Since it hit the market, the company is known to sell insurance directly.  They’ve put up digital measures to ensure that their customers are attended to well. 

Esurance works hard to file your claims, customize plans that work for individuals, which is one of the advantages of getting a policy with the company, and manage clients’ policies without going through a middle man.

6. State Farm

State farm insurance was founded in 1922. It’s one of the insurance companies with excellent financial stability and remarkable customer service. This longevity in the market has made it possible for them to be one of the best insurance companies around. Even though they may have a mobile app that can cater to technical savvy individuals, most of the clientele find their way to the offices and talk directly with agents. 

State Farm insurance stands out because they offer high rates to a risky demographic like teenage drivers, unlike other insurance companies. It is also known for providing the most extensive private passenger auto insurance.  

The company has a steer, clear app that monitors a person’s driving habits. This is mostly used to track young drivers’ habits.  The app offers a mini-safety course typically to the drivers. Once a person is done with it, then they earn a considerable discount that lasts up to the age of 25yrs.

7. Liberty Mutual

Liberty Mutual is best known for its first-class customer service. As a client, you get standard coverage, and you’ve the choice for a premium add on. The company has been around since 1912 and is rated among the best because they: 

  • Don’t increase your premium when you get in an accident
  • Give you better care than the one you had, in case you totaled yours in an accident, and it had less than 15000miles.
  • Reduce your deductibles by $100

8. USAA

Being a member of the USAA enables one to enjoy competitive and cheaper rates than other insurance companies. This insurance company caters to military members and their dependants has received top ratings.  If you’re fortunate enough to be covered by them, then you’ll enjoy a lot of benefits.

According to U.S. News, USAA has one of the lowest rates in the United States of $885 per year. 

9. Amica Mutual 

This insurance company has won the hearts of their clientele because of the services they provide. Some of the reasons they’re one of the best are that their policies don’t restrict drivers when it comes to the choice of a body shop or covering the interior of the automobile. 

On the other hand, they haven’t made their business tech-savvy for people who don’t have the time to go to their branches for one thing or another.

Amica mostly extends its policies to drivers who have high credit scores and a clean driving history of at least three years. In other words, the driver should have a record without claims, accidents, or violations. So only drivers from the best driving schools can qualify for Amica’s policies.  

10. The Hartford

This insurance company has been around for more than 200 years.  Apart from financial stability, it has an excellent reputation in dealing with customers well and processing claims fast. 

AARP members whom this insurance caters for enjoy benefits like 

  • Recovery and care services – They go the extra mile in ensuring their clients are well taken care of even at home. They reimburse you for service you’ve gotten when you’re unwell.  These services include lawn mowing, house cleaning, and even meal preparation.
  •  They lock the premium rates for 12 months without changing it, unlike others who may do that after six months.

To find a New York auto insurance company that meets your needs:

  • Maintain good credit
  • Report reduced mileage
  • Choose the right vehicle
  • Take advantage of insurance discounts
  • Read customer reviews to avoid scams

Wrapping Up

Remember most car insurance companies in New York discount your premiums if you’ve a clean driving history. That translates into knowing how to avoid traffic violations and accidents. We offer defensive driving skills to help you be a safe, licensed driver. Upgrade your driving skills to enjoy some of the best insurance deals out there. Contact us today for free consultation.