For good drivers, smaller companies may be a better bet. Policyholders say these companies offer a more personal approach than big insurers, especially if you form a relationship with a local agent, and smaller insurance companies often are rated more highly. However, many smaller insurers only do business in certain states. They may also be pickier about their policyholders, accepting only those with sterling driving records.
Know when to cut coverage. Don’t strip away coverage just for the sake of cheaper insurance. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.
Like Amica Mutual and Auto-Owners, Erie Insurance typically flies under the radar. Customers report high levels of satisfaction with service and claims experiences. Erie also grabs the top spot in a national survey of customers' car insurance shopping experiences, with its local agents receiving above average marks. In one owner survey, it gets very good ratings for claims processing, price and service satisfaction -- although some say it is pricier than other options. Erie offers some other impressive benefits that most other insurers charge extra for, such as transportation expenses after an accident, travel costs, personal property and locksmith services. In addition, Erie waives your deductible if you are in an accident with another Erie policy holder. However, the big drawback to Erie Insurance is that it only offers coverage in 11 states, mostly the mid-Atlantic and Midwest.

I have been with Progressive for over two years, but I keep getting bills with extra charges and if I don't pay they will cancel my coverage. I went on line and checked several other companies, but NO success. When I contacted Nationwide, I ran into a problem doing the on line quote, so I called and talked with an agent. He was extremely helpful, got me three times the coverage, road side service, towing and all at a much lower rate! I'm very thankful with the kindness and the outstanding service, that this man and company showed me and how he made me feel, like my business was important to him and his company. I believe that I'm going to be a very satisfied customer and long time client as well!
Being in the business for a very long time, I have found that most people are clueless about insurance, even most agents who sell them. I will agree that their rates are cheap. But I wouldn’t recommend them. Inexperienced adjusters. They do not fully investigate. The policy does not cover like, kind, and quality which is bad if you have a new vehicle.
What's more, most car modifiers take extremely good care of their cars, which is a big plus with your insurer. Low mileages, top-of-the-line garaging, and more-than-regular maintenance come standard for these hobbyists. Because they've spent thousands to create the car of their dreams, they're not likely to risk losing that investment to reckless driving.
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