While low premiums may tempt you, they could leave you unprotected. Cheap policies typically only provide state-mandated minimum coverage limits and often feature high deductibles that require significant out-of-pocket expenses in case of an accident.
GEICO consistently offers lower rates in New York than the industry average and numerous discounts to help drivers save. Furthermore, its customer service ratings are among the best and it offers various optional coverage types, including sound system insurance and rental reimbursement.
Esurance
Esurance offers an intuitive mobile app with claims functionality not offered by other insurers. Their DriveSense telematics program rewards safe driving while helping to reduce premium costs; additionally, Esurance provides discounts when customers buy both auto and renters insurance policies together.
Esurance was one of the pioneering online insurance providers when it launched in 1999, pioneering digital distribution and cutting costs by eliminating agents and offices. Later acquired by Allstate in 2011, Esurance now manages policies for existing policyholders whose rates are higher than other national carriers and customer satisfaction scores below average, according to J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Study.
Travelers
Choose an insurer with adequate coverage; cheap policies often have high deductibles that add up quickly when filing claims; budget insurers prioritize cost cutting over customer satisfaction, leading to frustration when the time comes for filing one of your own claims.
GEICO provides some of the lowest full coverage rates in New York and offers discounts to drivers with good credit ratings, clean driving records and safe vehicles. Furthermore, their 24/7 customer service offers them additional features such as new car replacement and roadside assistance services.
Amica
Amica boasts excellent customer satisfaction ratings and offers a robust list of discounts, while their premium option called Platinum Choice Auto provides roadside assistance, no-deductible glass repair coverage, credit monitoring services, and new car replacement coverage.
Amica provides both loyalty discounts and pay-in-full discounts to save you money, along with bundling your homeowners, condo, renters or life policies together to save even more. In addition, their telematics program StreetSmart rewards safe driving habits while depending on your state it can also protect ridesharing services like Uber and Lyft. In addition, their mobile app makes managing policies and filing claims a breeze!
Liberty Mutual
Liberty Mutual provides affordable car insurance coverage with many extra features, such as rental car reimbursement, 24/7 roadside assistance and better replacement coverage. Furthermore, their customer service reputation and selection of discounts make Liberty Mutual an excellent option.
Liberty also provides accident forgiveness policies, which can save drivers on auto premiums. Their telematics programs, Snapshot and RightTrack, help safe drivers save even more.
To compare Liberty Mutual with other top insurers, use our comparison tool below and enter your location and coverage needs. WalletHub research includes average rates across states for different driver profiles; rates may differ based on your specific circumstances and state laws.
Progressive
Progressive may offer lower overall rates, but Geico may provide additional features that make them the superior option for some consumers. One such feature is their Deductible Savings Bank which automatically reduces your deductible by $50 every time a policy period passes without making a claim.
Progressive’s bundle savings for new customers who combine home and auto policies average 25%*.
Progressive offers its employees a comprehensive array of employee benefits, from health and wellness programs to flexible spending accounts and tuition reimbursement. Furthermore, Progressive provides ample paid time off as well as a 401(k) plan with matching funds*.
Allstate
Allstate is one of the nation’s premier auto insurers, offering a broad selection of coverage options and discounts, as well as providing additional features like rideshare insurance and new car replacement coverage. Their customer service and robust online presence stand out, but unfortunately Allstate ranked below average for customer satisfaction in many regions according to J.D. Power’s 2023 Auto Insurance Study.
Customers looking for personalized service from local agents and the ability to manage their policy independently should consider Allstate. It offers the innovative pay-per-mile program Milewise, which may help infrequent drivers save money on premium costs.
Nationwide
Nationwide offers competitive rates and comprehensive car coverage options, in addition to standard policies such as collision and gap insurance. Furthermore, this company provides a variety of discounts such as bundling or usage-based policies.
Cheap insurance may seem attractive, but it could leave you vulnerable when making a claim. Lack of adequate coverage or an unwieldy claims process could leave you frustrated and stressed out.
Nationwide Insurance stands out as an expansive national insurer that puts an emphasis on policy customization and affordable rates, banking services, retirement plans, as well as car, home, life, farm and commercial insurance products.
AIG
AIG is a global insurance provider offering coverage to both individuals and businesses worldwide. They have a significant presence in the United States with various products to meet individual and business needs; additionally they promote diversity, equity and inclusion within their work culture.
AIG’s accident and health insurance can protect employees when on the job or at home, helping employers lower worker’s compensation costs while saving money in worker’s comp premiums.
AIG enjoys an exceptional financial rating and can quickly pay out claims. In addition, AIG has received high marks from customers and third-party organizations for its commitment to sustainable practices and its exceptional culture which supports employee growth and development.
