You may be in love with your car, but are you in love with your car insurance?
Great customer service, personalized advice and strong agents are the keys to getting you to fall in love with your insurance company.
But don’t take our word for it. Just ask the folks who compiled the J.D. Power 2017 U.S. Insurance Shopping Study.
Read more: Best and worst home insurers
These auto insurers do the best job satisfying customers
Want a satisfying experience when you’re shopping for auto insurance? Then you’ve got to know who to shop!
J.D. Power fielded more than 50,000 unique customer evaluations of insurers in April, July and October 2016 and January 2017.
After crunching the numbers, Erie Insurance claimed pole position in the poll — for the fifth year in a row!
A little further down the list, Amica Mutual — one of money expert Clark Howard’s real favorites — rounds out the Top 5.
If you do shop Amica Mutual, we should note that the first year tends to be expensive. Because it is a mutual, that means there are no shareholders and you must buy in to this company. But most customers typically get an annual rebate from the company equal to 20% of what they paid in premiums…provided they have a year with no claims.
Another Clark favorite — USAA — actually scores highest in the J.D. Power rankings. But USAA isn’t formally included here because it’s only available to U.S. military personnel and their families.
Meanwhile, Consumer Reports has a slightly different take on the best and worst auto insurers. See who made their cut.
How to get a lower rate on your auto insurance
Want to get a lower rate on your auto insurance? Consider the following.
Drop the comprehensive and collision coverage
When the cost of comp and collision exceeds 10% of your old vehicle’s value, that’s the time to dump it and just have liability coverage.
Higher deductibles = lower premiums
Taking the $1,000 deductible is a good rule of thumb. It offers lower premiums and is large enough to prevent you from claiming small things like a cracked windshield that would end up raising your insurance rates down the line.
Get every discount you’re entitled to
There are discounts for anti-theft devices, for bundling a policy with home insurance and for students who make good grades. Those are just a few examples of the many discounts you can qualify for.