Trying to find the best car insurance can be a trial. We all know the big car insurance brands: State Farm, Geico, Progressive, Allstate — but after browsing those sites, I’m never sure if I’m actually getting the best deals. So this time I used Clearsurance, and what I found totally caught me by surprise. All those household brands we all see advertised so often? They aren’t ranked very highly. Clearsurance, which is a website that collects reviews from people about their insurance company, uses the data it gathers to create unbiased rankings of car insurance companies, both by state and nationally for 2018. The detailed breakdown helps you compare companies and find coverage that’s actually the best deal for your location and driving history.
So, I decided to see what companies other consumers ranked as the best car insurance options in Massachusetts and if my car insurer was rated highly by other consumers. I didn’t even recognize some of the companies that ranked ahead of the giants in car insurance, including my own insurer.
For instance, Amica Mutual, which offers a home ownership discount, was founded in 1907 and ranks as the second best company in all of Massachusetts. Amica Mutual’s 4.46 rating out of 5 on Clearsurance is significantly higher than that of Progressive (4.16) and Allstate (4.1).
Take a look at what companies are ranked as the top 5 car insurers in Massachusetts on Clearsurance:
- USAA — 4.68
- Amica Mutual Insurance Company — 4.46
- Ameriprise Auto & Home Insurance — 4.38
- Plymouth Rock Assurance — 4.33
- Commerce Insurance (MAPFRE) — 4.33
These aren’t the names we typically associate with car insurance. So why are these brands so much better than the big companies we all know? Clearsurance has tons of great information to help you navigate your car insurance coverage, and one of the things I discovered is that companies like Geico and Allstate spend billions of dollars a year on advertisements to become the names we think of when it’s time to buy car insurance or consider switching car insurance. But those advertising dollars have come to from somewhere, and it ends up driving up the cost of our insurance premiums.
Why should we be paying more to insure our cars so that our insurer can solicit new business?
For the most part, the companies rated highly in Massachusetts are lesser known than the big names. But the bottom line is, they’re better. These are the companies that other policyholders have found offer fair prices with good customer service and claims handling.
Still, we’re not all eligible for these top insurers, and we don’t all have the same insurance needs. That’s something else Clearsurance understands and helps you navigate. For example, USAA is the best car insurance company for the people of Massachusetts, but it only serves active and former military members and their families. And at a company like Plymouth Rock Assurance, if you pay your full premium before the due date, you will receive a discount. Plus, not all car insurance companies cover high-risk drivers, so if you have a lot of accidents on your record or a DUI, you may not be able to obtain coverage from one of these companies.
Finding the best car insurance for you or your family shouldn’t have to be completely mind-boggling. Once you step outside the buzz of all those big name brands, figuring out which companies actually offer the best customer service at the best price becomes a lot easier, especially if you’ve got Clearsurance on your team.
Disclosure: This is a sponsored post, however all opinions are my own.
I’m not in MA, but I know that finding the best car insurance can be a huge pain. Glad you found something that works.
Car insurance is a huge investment. You need to know you are covered if ever in an accident. Shelling out more money then you need to can be a drag! this is great info!
It’s funny how quickly things change! We try to call around every year to compare prices but I know it takes time. It sure can pay off though!
I miss car insurance in Massachusetts, we moved down to Florida a couple years ago and now our car insurance has almost doubled in price.
I use number one! USAA! It’s really the best insurance out there. Of course, you can only use it if you or a family member is or has been in the military, but its really the bomb! They don’t raise your insurance for no reason.
I am totally going to try Clearsurance! I changed my carrier not long ago but I am still not happy. I feel I still pay WAY too much since I have a perfectly CLEAN driving record! Thanks for this!
It can be so hard to choose the best policy for yourself because you never know who is going to be the easiest to work with when you actually need them. For me the deciding factor was having an agent nearby so when something went wrong a person could be held responsible instead of a voice on the phone.
Car insurance is something I think is a must. I wouldn’t be driving if I didn’t have any. I think it’s really important to have it if you’re driving.
Clearsurance is definitely a great resource. It definitely pays off in the long run to check out all your options before making a decision.
Clearsurance is a great resource. It is definitely a great idea to shop around before making a decision.
I use State Farm and I have had nothing but good experiences with it. Finding the right insurance is a real blessing for sure.
Car insurance has always been a stressful decision for me. It sounds like I’m not the only one who has a difficult time sorting through it all.
What a great reminder to do your research for insurance. I hadn’t heard of these car insurance brands, but that doesn’t mean they aren’t great!
When you get insurance, you definitely want to get a good price, but also an insurance that will actually pay if something happened. Great information!