All Policies are Not Created Equal
Free Car Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Oct 23, 2019
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
Imagine you’ve just crashed your car into a tree. It was practically brand new, only a month old, and now it’s a crumpled pile of metal. Your neck hurts, and the expensive stereo system you installed is now ruined. You’re not sure how to begin the claims process for the damages and medical treatments associated with the accident, but you trust that your insurer will help get you through it.
Filing a Claim with a Bad Policy
After the dust settles and your insurer begins assessing the claim, you’re told that your car’s market value will be determined by comparing similar models and sale prices of vehicles up to one year old, not just “brand new” one-month old vehicles. In addition to not being properly reimbursed for the true value of your vehicle, your insurance company is going to ignore your vehicle modifications, flat-out refusing to pay for them. And to top it off, your insurer tells you that their medical review department believes you should be recovered in two weeks, and they’ll be denying payment for further treatment beyond that, even though your neck is still sore.
What gives? This sounds like a nightmare scenario, but if you buy a sub-par insurance policy, you might find yourself in difficult territory in the event of an accident. Some insurers write their policies in a way that gives them all the power in determining what your vehicle is worth, what will and won’t be covered (like your custom car modifications), and how much medical treatment you’ll receive and from which doctors. Even worse, a difficult insurance policy might limit you to suing your insurer in court if you don’t like how they’re handling the claim.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Filing a Claim with a Good Policy
A good insurance policy will make it easy for you to get the service, reimbursement, and treatment you need to get back to where you were before the accident, without having to fight for everything. Consumer-friendly policies offer options for independent mediation if you don’t agree with the handling of a claim. Additionally, a good insurer will hire an independent expert to assess your car’s value based on truly comparable vehicles in the local market, rather than relying on its own private expert who only follows the company’s guidelines.
Bad policies also mask their shortcomings behind complicated clauses and exclusions, assuming that most consumers won’t take a closer look at their terms. This guide will provide the info and tools you need to tell the difference between a good, consumer-friendly policy, and a difficult one that will leave you in the dust.