How To Select a Car Insurance Company When There Are So Many To Choose From

In many states there are literally over a hundred car insurance companies to choose from. We are here to help you figure out how to select a car insurance company that fits all your needs. Here is a list of the top 10 car insurance companies:

1)   State Farm

2)   Allstate

3)   GEICO

4)   Progressive

5)   Farmers

6)   Liberty Mutual

7)   USAA

8)   Nationwide Mutual

9)   Travelers

10) American Family Insurance

State Farm is by far the largest car insurance company out there, taking up almost 19% of the total market. Then there's Allstate, GEICO, Progressive and Farmers making up the rest of the top five.

Just because a company is big does not necessarily mean they are the best or most reasonable. You should also look into Liberty Mutual, USAA, Nationwide Mutual, Travelers and finally, American Family Insurance.  Again, there are also many more out there that offer car insurance, but the question is how to select a car insurance company that is best for you.

How to select a car insurance company:

The first thing you can do is try to research all of these companies by asking friends who their car insurance provider is and take notes on each of the companies you've heard of. If you don't know that many people or you do not trust their judgment, you should then skip right to investigating for yourself.

You can investigate by several ways, which include looking online for written, non-branded reviews from existing customers, by calling the companies to speak to a representative and by looking at their company websites. All of these things though may be skewed because once you make contact with the insurance company they consider you a lead on a sale and will try to get you to commit to their insurance policy as hard as they can, because insurance salesmen work on commission for their companies. This can be a daunting task for many people though who feel as if they just "cant say no" to anyone or who "fold under pressure" or are easy to convince to buy something.

One other way you can get all the information you need that is less biased is by contacting an independent insurance agent who works with an insurance intermediary service. Insurance Intermediaries provide the independent insurance agent with the largest number of insurance policies for any given topic, whether it is for car insurance, health insurance or whatever else. If your independent agent works with an insurance intermediary, you can be sure that they are not driven by commission of any one company to persuade you to buy a particular brand of insurance. This means that you will get to look at the most policies and work with the agent to find one that really fits in best with your lifestyle, your needs and your budget.


Insurance intermediaries are very helpful not only in selecting the best car insurance company but for selecting insurance for anything else. There is one insurance intermediary service that lists policies for hundreds of different things, like pet insurance or office machines manufacturing insurance. The list seems to be endless.

Hopefully this information was helpful. Good luck in selecting your car insurance company!