Car Insurance Review

Top 10 Car Insurance List - Esurance Review

2011-12-23T11:28:00.001-08:00

Best Car Insurance List - Esurance is #3

by TopTenReviews

Esurance, our TopTenREVIEWS Bronze Award winner, might not have the history of GEICO or Progressive, both which operate largely online. But, what it lacks in tradition, it makes up for in innovative operational practices, including speedy claims and policy-writing processes. As a green company, Esurance also features environmentally-sound strategies and programs to reduce paper consumption, plant trees in fire-damaged forests, and mitigate the damage caused by CO2 pollution. Not bad for a company that is still relatively new to the auto insurance (and other insurance protection product) game.

Esurance is lauded for its 3-step policy process. Drivers simply quote, buy and print their policy directly from their printer. No

Esurance is lauded for its 3-step policy process. Drivers simply quote, buy and print their policy directly from their printer. No waiting for delivery by mail. No hassles. No agents pushing unnecessary policy features or additional insurance protection products. With Esurance, policyholders, both current and prospective, simply enter the necessary information, receive a quote, decide whether or not purchase policy or go with another car insurance agency.

With Esurance, motorists get a free 6-minute quote in addition to instant comparison rates from real companies. At that point, prospective policyholders can simply choose the policy that best suits their needs and buy it directly online.

Esurance policyholders also benefit from an online claims process that features the impressive, real-time repairs monitoring program, E-star

Standout Features

In-depth, informative website
E-Star Direct Repair Program
Savings-oriented operations
Expedited claims process

Response & Repair:

Though some auto insurance agencies, like State Farm, offer free towing for its policyholders, Esurance does offer a complete emergency roadside assistance package that covers everything from vehicle tows and tire changes to gasoline refuels and lockouts. From there, drivers can have their cars taken to the repair facility of their choice or be referred to a repair facility through the E-star Direct Repair Program. Though it is nice to have the ability to choose your own repair facility, using designated E-star repair shops guarantees all repairs for as long as you have the vehicle. Though it isn't quite the same as Progressive's "Concierge" program, it does one-up Progressive by including photos of the vehicle as it is being repaired, giving policyholders a visual stamp to go along with the claims and repairs tracking information.

Policy Flexibility:

Many auto insurance policyholders complain of the unnecessary costly features and attributes that are tacked onto their policies. With Esurance, drivers have far more control over the details of their policies, including emergency services and features. This shouldn't be taken as a sign of neglect. In fact, Esurance has the most informative, in-depth website among any car insurance company, providing countless FAQ pages, insightful articles, auto insurance glossaries and even an interactive Auto Insurance Coverage Counselor to aid in giving each driver the right policy for their needs and budget.

Benefits & Discounts:

Esurance, like many auto insurance agencies, offers discounts for good drivers, multiple-policy holders, vehicles with enhanced safety and anti-theft features. This has become, more or less, the standard among insurance companies. Esurance, however, goes well beyond the unwritten standard, providing discounts for single parents, senior-aged and retired drivers, vehicles with low-mileage or in rare use and even occupational discounts for those with a license or degree in education, engineering and natural science. What other auto insurance agency can say that?

For benefits, Esurance's environmental efforts are the most apparent. Most policyholders are likely aware of the amount of unnecessary mail a policy will accrue. From account notifications and billing statements to cards with policy numbers to be stored in vehicles, owning a single car insurance policy can generate a pitiful amount of waste. Along with its paper-free policy process through which the customer is a direct beneficiary of the savings, Esurance is dedicated to improving the environment with tree-planting programs, partnerships with community and environmentally-oriented non-profits and charities, instruments for carbon footprint calculation and even insights for incorporating environmentally-friendly practices into your everyday life. While many dismiss the "Green Movement" as a fad, Esurance seems firmly committed to improving the environment and raising environmental awareness, whether or not it's currently en vogue.

Customer Service & Claims Timeliness:

Between its E-Star Direct Repair Program and 24/7 online and telephone claims center, Esurance wastes little time in getting its policyholders' vehicles off the road, into the repair shop and back out again in as little time as possible. Claims can be tracked entirely online and, best of all, repairs being made in designated E-star facilities include photos with status updates. Like all auto insurance agencies, accidents and incidents involving other drivers can complicate the process. With Esurance, however, these delays are kept to a minimum, with arbitrators seeking quick mediation for involved parties.

Summary:

With only a decade under its belt, Esurance might seem fairly green. However, with savings-oriented business operations, environmentally-sound practices, efficient and simplified claims and repairs process and a firm commitment to environmentally-oriented causes, Esurance is proving itself to be an innovative, ethical and "Green" force among car insurance companies, one that, hopefully, will inspire a lot of imitators--even top-rated auto insurance agencies GEICO and Progressive.

ref: http://insurance-quote-review.toptenreviews.com

Top 10 Car Insurance List - Progressive Review

2011-12-21T22:16:00.001-08:00

Best Car Insurance List - Progressive is #2
by TopTenReviews

Progressive, our TopTenREVIEWS Silver Award winning auto insurance company, has been a dominant force in the auto insurance market for more than 70 years, garnering a strong reputation for its customer service, emergency responsiveness, policy flexibility and overall commitment to the safety and security of its policyholders. With its "Concierge Level of Claims Service" and renowned Immediate Response Vehicles, Progressive has made the aftermath of car accidents and auto-related incidents less complicated, less time-consuming and most importantly, less-imposing on the workaday lives and busy schedules of its policyholders. Progressive's past may have been bright, but, if it continues to place the needs of its policyholders first, its future will only get brighter.

Standout Features

Multi-party Comparison Quotes
Pet Injury Coverage with Collision Coverage
Concierge Level of Claims Service

Response & Repair:

Progressive sets quite an example with its Immediate Response Vehicles (IRVs) and initial towing and rental services. Policyholders can receive claims estimates from the comfort of their own driveway or the repair facility the vehicle is housed in: a step that can expedite the claims and adjustment process and facilitate quick repairs and timely payments for vehicles in need of replacement and claimants of non-Progressive motorists involved in an accident.

Many complaints that are issued against all insurance companies, generally involve the complicated process of filing a claim, receiving an estimate, booking time for a repair and then waiting for the scheduled repairs to be completed. This process hardly takes into account the reality of people's schedules, their work, their home, their leisure time. Really, this process has been in need of revision for a long time and Progressive does so through its "Concierge Level of Claims Service". The Concierge Level of Claims Service are facilities where drivers can drop off damaged vehicles and leave the hair-pulling, time-consuming task of receiving an estimate, finding a repair facility and making rental car arrangements to the experts. In fact, in as few as fifteen minutes, policyholders can be back on the road with a rental car, confident that their car is being repaired quickly and hassle-free.

Policy Flexibility:

Progressive's roots are firmly planted in car insurance. Through the decades, however, it has grown to include other insurance products and services that range from home to life and nearly everything in between. Unlike GEICO, which operates entirely online and through telephone, Progressive has more than 30,000 independent insurance agents that, along with simply auto insurance and other insurance products, can give detailed, in-depth information about policies and discounts, as well as assist in finding a coverage level that suits the needs and budget of the policyholder. Whether you need a Liability-Only policy for a single vehicle or Full Collision coverage with no deductible, Progressive has just the right policy and insurance product for you.

Benefits & Discounts:

One benefit that sets Progressive apart from other car insurance agencies is its complimentary coverage of pet injuries for policyholders with collision coverage. Though incidental pet injuries that are caused by a car accident are not measured, thousands of pets die each year due to car collisions. Making sure that both you and your dog or cat are covered in the event of an accident is a step in the right direction--and one that other auto insurance companies would be wise to emulate.

Progressive also offers automatic discounts for new and continuing customers. Good Student discount? Check. Good Driver discount? Check. Multiple vehicle discount? Check. Multiple-policy discount? Check. Full-payment, e-sign or low mileage discounts? Check, check and check. Along with its MyRate feature, which follows driving history and records more closely, which can be a savings boon for customers, Progressive offers dozens of discounts to its policyholders, saving customers money and likely gaining their loyalty, too.

Customer Service & Claims Timeliness:

Progressive was among the first to make policy and claims management functionality available online; a trend which most of its competitors now follow. With its Immediate Response Vehicles and Concierge Level of Claims Service, drivers can be back on the road and on with their lives and jobs, free from the baffling, time-consuming ordeal that is seeing a damaged vehicle from point A to point Z.

Progressive customer service representatives and agents have a hard-earned reputation as being among the best in the business. Customers continually report of agents and representatives going "beyond their expectations" to find discounts, field questions and facilitate quick and timely claims adjustment and vehicle repair and replacement. Less visible is Progressive's mediation and arbitration team, which ensure that claims involving other parties are brought to a decision as quickly and judiciously as possible. Fortunately for Progressive car insurance policyholders, repairs and replacements will be made even if other involved parties are uncooperative or unresponsive. No driver should have to go without a car because of the negligence of another motorist or his auto insurance company.

Summary:

In its 70-plus years of continual operation Progressive auto insurance has seen wave after wave of competitors, marketing trends and technological innovation--and remained atop throughout. Humorous advertisements might create brand recognition and drive motorists to purchase policies, but it is only through meeting--and even exceeding--the needs of policyholders after the policy's signing that an auto insurance company survives and succeeds. Progressive is living proof of that.

ref: http://insurance-quote-review.toptenreviews.com

Top 10 Car Insurance List - GEICO Review

2011-12-20T08:17:00.000-08:00

Best Car Insurance List - GEICO is #1
by TopTenReviews

With the wave of successful ad campaigns GEICO has launched in the last decade, it might seem that GEICO, our TopTenREVIEWS Gold Award winner, is relatively new to the auto insurance market. Not so. GEICO, which began in the District of Columbia as the Government Employees Insurance Company, has been an auto insurance provider for more than 70 years and has made its services available in all 50 states.

GEICO was among the first to develop a non-agent model for customer service, claims filing and policy inquiries, making these available through phone and Internet and allowing GEICO to pass savings on to its customers. In addition to these savings-oriented operational practices that provide new policyholders with substantial discounts, GEICO has earned and maintained the loyalty of its customers through its professional, helpful customer service representatives, efficient claims process and continued dedication to getting its policyholders off the road and back on again as quickly as possible.

Standout Features

Infrastructural Savings Passed on to Policyholders
Instant Online Premium Quote
Online Policy Management

Response & Repair:

Getting your car safely off the road and in for repairs or replacement is one thing, but ensuring that motorists are back in their own car or temporary rental with little delay is another. Fortunately, GEICO excels at expediting initial towing and emergency services through its affiliates with streamlined claims and adjustments services to see that necessary repairs and replacements are done as quickly as possible, with the ins and outs of cost and culpability settled responsibly, judiciously and, most importantly, rapidly.

GEICO also offers its policyholders the ability to track claims online, doing away with the complicated "Phone-trees" that many car insurance companies require customers to go through to track claims.

Policy Flexibility:

GEICO is incredibly flexible with its policy attributes, crafting policies that suit the needs and budgets of its policyholders, while extending its streamlined business-model savings to the customer. Whether you are looking to insure multiple vehicles or drivers, increase or decrease deductibles on policies, reduce coverage to Liability-Only or manage the payment cycle or structure, GEICO allows its policyholders an unprecedented freedom to do so. Best of all, this can all be done online or over the phone with a dedicated GEICO insurance agent, which can be an added benefit for those living in rural areas.

Benefits & Discounts:

Many discounts are enjoyed outright through GEICO's area agent-free infrastructure. As for others, GEICO offers a variety of discounts ranging from good driver discounts, good student discounts (for younger drivers attending school) and automatic payment discounts, as well as discounts for multiple-policy holders and established customers. GEICO also offers discounts for policies involving cars with advanced safety and security features, including air bags, anti-lock brakes, car security/anti-theft systems and daytime running lights, among others.

As GEICO origins are in its Government Employee Insurance Company, GEICO offers many benefits and discounts to active, reserved and retired military personnel, as well as senior-level federal employees. But, just as it is no longer a company intended only for government employees, GEICO extends similar benefits and discounts to more than 275 affiliated groups.

Customer Service & Claims Timeliness:

Getting you and your vehicle off the road and into the mechanic or appropriate technician is only half the battle. Seeing that claims are processed and repairs completed in a timely and efficient matter is another matter altogether. Fortunately, this is where GEICO stands out, giving its policyholders a variety of methods for reporting and tracking claims, while mediating between various auto insurance companies if necessary and facilitating timely car repairs. Claims can be reported and tracked entirely online, freeing up motorists to get on with day-to-day responsibilities as opposed to spending a considerable amount of time filtering through "phone trees" to speak to a claims adjuster or agent. Although, for additional convenience, policy information and claims information can still be accessed by phone, with the assurance of a fast connection to the appropriate party.

GEICO's reputation for its customer service is largely what has proven to be the true catalyst for its retention and policyholder satisfaction, not its entertaining, popular commercials or its slight savings. This is evident in its retention rate, which ranks among the best in the auto insurance industry.

Summary:

GEICO has emerged as one of the premiere car insurance companies in recent years--and for good reason. Offering its customers upfront savings on auto insurance policies, providing streamlined claims reporting and tracking and emphasizing personable and responsive customer service, all while facilitating quick repairs to get motorists back in their cars and on the road. Combine this with its bounteous offering of discounts, policy flexibility and potential for multiple policies such as home, life, boat and others and you have a one-stop-shop for auto insurance--as well as other insurance--needs that is as convenient and timely as a drive-thru window.

ref: http://insurance-quote-review.toptenreviews.com

Top 10 Car Insurance Companies

2011-12-20T08:11:00.000-08:00

Car Insurance Review Comparisons
List of Best Car Insurance Companies

You are wondering which car insurance to pick. You are looking for a cheap car insurance. You don't want to get too many car insurance quotes. You just want to know which car insurance is better. That's why you been the cat insurance comparison and independent car insurance reviews.

Here is the list of TOP 10 Auto Insurance Companies according to Top Ten Reviews

Auto Insurance Reviews

1. GEICO
2. Progressive
3. Esurance
4. Nationwide
5. USAA
6. Farmers Insurance
7. State Farm
8. Liberty Mutual
9. Allstate
10. AAA

ref: http://insurance-quote-review.toptenreviews.com