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How do I know I have a United States auto insurance company?

Here's what you need to know...

  • Researching national and state car insurance companies with the assistance of the internet is a quick and simple process
  • Because car insurance companies charge different rates for similar policies, becoming an educated consumer will save you money on your insurance rates no matter what type of auto insurance company policies you need
  • Each state determines the minimum liability only insurance limits that each driver must carry in order to legally drive

Most auto insurance companies that offer coverage to drivers in the U.S. are based in the United States. However, you can research auto insurance companies to find out their location as well as the history of the company.

Researching auto insurance companies is usually as simple as visiting their website. You are then able to find out the answers to mot of your questions.

Enter your zip code above into our FREE auto insurance comparison tool to find company information and rates available to you!

Researching Car Insurance Companies

Researching national and state car insurance companies with the assistance of the internet is a quick and simple process. Just navigate to your favorite search engine and enter the name of the auto insurance provider. Their website should list high in the returned search results.

Visit the company website and find out where the company headquarters is located. Most insurance companies will list the information about their headquarters in the “About Us” section of their website. In most if not all cases, you will find that insurance companies offering US drivers insurance are located within the US.

Another way to quickly locate auto insurance companies and their contact information is to use an online car insurance comparison tool.

Our FREE auto insurance comparison tool can help car insurance shoppers free auto insurance company quotes in their area when they enter their zip code. You can find contact information for each car insurance company. You may also request free quotes from each company right from within the tool.

Contact each insurance company and ask them if they are headquartered in the United States. They will gladly provide you with any information you request in hopes of making you a car insurance customer.

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Comparing Car Insurance Policies

Car insurance comparison tools are a great way to save time and money when shopping for car insurance. Many of these tools allow users to perform side by side comparisons of selected auto insurance policies from different providers.

Because car insurance companies charge different rates for similar policies, becoming an educated consumer will save you money on your insurance rates no matter what type of auto insurance company policies you need.

Online comparison tools are free to use and will cut your auto insurance shopping time down to just an hour or two. Considering that people report saving $800 to $1000 per year on their insurance, spending a little time comparison shopping for auto insurance is worth the time and effort.

When comparing auto insurance companies, you need to compare similar policies for different companies.

In other words, if you are looking for a liability policy, be sure to compare the same policy between several auto insurance providers.

You may even need to examine the limits placed on the policies. Each state determines the minimum liability only insurance limits that each driver must carry in order to legally drive.

Some insurance companies cover much more than the minimum limits required by the state. Be sure to pay attention to the coverage limits that will be stated as: 20/30/20.

Coverage limits in this format would be:

  • $20,000 for One Person’s Bodily Injury
  • $30,000 for Two or More People’s Bodily Injury
  • $20,000 for Property Damage

Make sure any quote that you request for car insurance is for the limits that you expect. There is no need to pay more for liability only insurance than your state requires. Be sure that any quote you request is for the minimum limits you specify.

Full Coverage or Liability Only

States require that all drivers carry at least some minimum limits of liability only insurance for their vehicles. This coverage, however, is only for drivers who own their cars outright and do not make payments to a finance company or leasing company.

For cars that are leased or financed, drivers will be required to carry a full coverage policy.

Specify which type of policy to compare when shopping for car insurance. Compare similar policies that each of the different car insurance companies offer.

Generally, a full coverage policy will cost more than a liability-only policy with any company. However, by shopping around, you will be able to find the best rates available for any type of car insurance.

Spend a little time shopping for car insurance even if you have an existing car insurance policy. You just never know. You may be paying more than you need to pay for good auto insurance coverage. Make sure you get the best car insurance rates possible for your given situation.

Our FREE comparison tool makes insurance shopping a snap! Enter your zip code below to get started!

References:

  1. https://www.consumeraffairs.com/insurance/car.html
  2. https://www.farmers.com/auto/coverage/
  3. https://www.progressive.com/auto/compare-car-insurance-rates/
  4. https://www.allstate.com/tools-and-resources/car-insurance/liability-car-insurance-cover.aspx
  5. http://www.naic.org/documents/consumer_state_reg_brief.pdf
  6. http://www.nationalgeneral.com/learning-center/insurance-basics/how_much_coverage.asp
  7. https://en.wikipedia.org/wiki/Liability_insurance
  8. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  9. https://www.nationwide.com/auto-insurance-coverage.jsp

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