Finding ways to save money with AAA car insurance discounts.

AAA car insurance discounts aren’t restricted to just members of AAA. Anyone that has AAA car insurance could possibly qualify for any of the following discounts.

AAA Vehicle Discounts

• Multi-Car Discount – Discounts are available when two or more qualifying household cars are insured through AAA with mandatory coverages.
• Anti-Theft Device Discount – A discount on the comprehensive coverage of policies are available if your vehicle has an approved theft prevention or recovery device

AAA Drivers Discounts

• Discounts for Good Drivers -Reduced rates are available for drivers who become and remain free of any claims or driving violations.
• Good Student Discount – Qualifying full-time students who maintain a B average or better in school can qualify for a discount based on their grades
• Defensive Driver Discount – Drivers 55 and older may be eligible for savings if they take an approved defensive-driving class

AAA Policy Discounts

• Multi-Product Discount –  You may be eligible for a discount on your auto insurance premium if you purchase a home, renters or other insurance line with them.

AAA Special Discounts

• AAA Membership Discount – A discount for belonging to AAA
• Group Rate Discount – Belonging to certain groups (credit unions, professional associations and employer groups, etc.) can qualify you for a discount.

Please note though, that because we are not AAA Insurance we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current AAA car insurance discounts that are offered by the company, contact your AAA insurance agent.

Finding ways to save money with GEICO car insurance discounts.

GEICO car insurance discounts not only can save you money, but they really show how much his company supports our current and former military. Some of these discounts just may get you to consider getting a GEICO quote if you aren’t already a customer of theirs.

GEICO Vehicle Discounts

• Air Bags – Up to 25% savings for driver-side air bags or 40 for full-frontal seat air bags on specific coverages.
• Anti-Lock Brake System – 5% discount on the collision portion of your premium for anti-lock brakes.
• Anti-Theft System – Cars with a built-in anti-theft system get up to 25% off their comprehensive coverage.
• Daytime Running Lights – 3% discount on certain car insurance coverages for daytime running lights

GEICO Drivers Discounts

• Five-Year Accident-Free Good Driver –Being accident-free for five years, can save you up to 26% on most coverages.
• Seat Belt Use –  Discounts of up to 15% off the medical payments or personal injury protection portion of your premium for everyone wearing their seatbelts.

GEICO Policy Discounts

• Multi-Car – Insure two or more cars with GEICO and you could get a discount of up to 25%.
• Multi-Policy / Multi-Line Discount – When you insure your car through GEICO and have a Homeowners, Renters, Condo or Mobile Home policy through the GEICO Insurance Agency, you could get a discount on your car insurance.

GEICO Lifestyle Discounts

• Emergency Deployment – If you’re part of an emergency deployment to imminent-danger zones, you could be eligible for an auto insurance discount of up to 25%.
• Military – Active duty, retired, an members of the National Guard or Reserves may be eligible for a discount of up to 15% on your total car insurance premium.
• Membership And Employee Discounts – Auto insurance premium discounts available to one of the 500+ groups listed here.
• Federal Employee (Eagle Discount) – Active or retired federal employee can qualify for up to 8% on the total auto insurance premium.

For more details on these and other GEICO car insurance discounts, contact GEICO.

Finding ways to save money with Allstate car insurance discounts.

If you are with Allstate, here are some of the Allstate car insurance discounts that you could receive or should be receiving.

Allstate Vehicle Discounts

• Passive restraint discount  – If your car has factory airbags and motorized seat belts, you could save up to 30%.
• Anti-lock brake discount – 10% discount for anti-lock brakes.
• Anti-theft device discount – anti-theft devices in your car can save you up to 10%.
• New car discount – Save up to 30% if you’re the first owner of the vehicle and your car is only two years old.
• Economy car discount –  Insuring an environmentally friendly car could help you earn up to a 10% off your premium.
• Utility discount – Save up to 15% when you own a 2002 and prior utility vehicle.
• Farm vehicle discount -Save up to 10% when you vehicle is used primarily for farm or ranch work.

Allstate Drivers Discounts

• Premier discount – Save up to 22% for driving 3 years with no violations or accidents.
• Premier plus discount – Save up to 35% for driving 60 months with no accidents or violations.
• Safe drivers discount – Your safe driving habits = up to 45% in car insurance savings.
• teenSMART discount -Save up to 10% when your teen successfully completes the teenSMART driver education program.
• Defensive driver discount – Drivers who are 25 years old, have completed six or more hours of defensive driving courses and have no violations and no at-fault claims can save up to 10%.

Allstate Policy Discounts

• EZ pay plan discount – Save up to 5% if you pay your auto insurance through automatic withdrawal.
• eSmart® discount – Sign up for ePolicy and save up to 10%.
• FullPay® discount – Save up to 10% when you pay your policy in full.
• Auto/Life Discount – Enjoy a discount on your auto insurance just by purchasing a life insurance policy.
• Multiple policy discount – Save up to 10% on your auto insurance when you purchase home or renters insurance also.
• Early Signing Disco.unt® – Save up to 10% when you sign your policy seven days before its effective date
• Good payer discount – Save up to 5% for no cancellation notices for non-payment during the past 12 months.

Please note though, that because we are not Allstate Insurance we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current Allstate car insurance discounts that are offered by the company, contact your Allstate insurance agent.

Reviews by current and former customers can help you find the best car insurance companies.

If you are in the market for new car insurance, finding the best car insurance company can be a daunting task. How do you know if you are selecting the right company to go with?

While there is no way to predict how your experience with any particular insurance company is going to go, you can learn from the experiences of other people. People that have taken the time to provide reviews of their experience with their current or former car insurance company just for people like you to read.

Best Car Insurance Companies by the Stars

We have been collecting car insurance company ratings from readers like you for many years now. So far we have quite the nice collection of companies that are still proudly holding on to their 5 stars and those that have yet to earn their first.

But because you are here to find out who the best car insurance company is, here are our companies that are proudly displaying 5 star reviews:

• Allied
• American National Insurance
• Auto-Owners Insurance
• Bear River Mutual Insurance
• California Casualty
• Cincinnati Insurance
• Consumers Insurance USA
• DTRIC
• Eastwood Insurance
• Elephant Auto Insurance
• Frankenmuth Insurance
• GMAC Insurance
• PEMCO
• Shelter Insurance
• Vermont Mutual Insurance Group

Might Still Be the Best Car Insurance Companies

Because you can’t please everyone all of the time, we also have some pretty good car insurance companies that have 3-4 star ratings.  So don’t let the fact that these companies don’t have the perfect 5 stars prevent you from reading through the reviews or getting a quote from them.

• 21st Century Insurance
• AAA Insurance
• AIG Insurance
• Alfa Alliance Insurance
• Allstate Insurance
• American Family Insurance
• Amica Insurance
• Casualty Corporation of America, Inc.
• Commerce Insurance
• Direct General Insurance
• Equity Insurance
• Erie Insurance
• Fred Loya Insurance
• GEICO Insurance
• Grange Insurance
• Haulers Insurance
• Imperial Fire and Casualty Insurance
• Liberty Mutual Insurance
• Mercury Insurance
• Nationwide Insurance
• Progressive Insurance
• Safety Insurance
• State Farm Insurance
• The General Insurance
• Travelers Insurance
• USAA Insurance

For more insurance reviews, or to add your own experience with your insurance company to our reviews, visit our Auto Insurance Reviews page.

All of the important information you need about car insurance in one article.

All the main car insurance coverages you need to know about in one quick article.

You may feel completely overwhelmed when you are trying to figure out what and how much car insurance you actually need on your vehicle. So to help you out, here is a quick guide with everything you need to know in less than 500 words.

Coverages

Liability coverage (mandatory in most states) – Covers the other person’s expenses when you’re at fault in and accident, it does not cover the people in your car.

Bodily Injury Liability (mandatory in most states) – Pays for the medical expenses of people injured in a crash in which you’re at fault. You’ll often see these policies with the numbers “20/50” policy or a “100/300” policy. These numbers describe the highest dollar amount the insurance company will pay for a single person’s injuries (the first number) and the maximum for all the injuries sustained by all the occupants of the other car (the second number). For example, a 20/50 policy will pay up to $20,000 for a single person’s injuries, and no more than $50,000 total for the injuries of everyone in the car you hit.

Property Damage Liability (mandatory in most states) – This pays for damage done the other property that you hit. Property liability is listed   as a third number in the string of liability numbers (20/50/10). The 20/50 is described above and the 10 is the $10,000 maximum that would be paid out on your behalf for the damages to the other property.

Personal Injury Protection (PIP) – Covers your and your passengers’ medical expenses from an accident.

Uninsured/Underinsured Motorist Coverage – Cover costs if you are hit by someone without insurance, or not enough coverage.

Collision – Pays for repairs to your car after an accident.

Comprehensive – Pays for damaged to your vehicle that is not from a collision (animal hits, theft, etc.)

How Much of These Above Coverage Should You Buy?

That depends on the state you live in and your financial situation. Every state has different car insurance laws which will determine what coverages you have to have and much you have to have of it.

Also you financial situation needs to be taken into account when you get insurance, because you don’t want a single car accident to put you in financial ruin,

The good news is that your local car insurance agent can help you determine exactly how much car insurance you need to be protected.