top independent auto car insurance choosing a car insurance lower company cost

independent auto car insurance company can be a challenge, as there are many factors to consider besides just cost. Here are some tips to help you choose the best company for your needs:

# Compare quotes from multiple companies. This is the best way to ensure you’re getting the best rate. Be sure to get quotes from both national and regional insurers.

# Consider your coverage needs. Do you need full coverage, liability only, or something in between? The amount of coverage you need will affect your premium.

# Think about your driving record. If you have a clean driving record, you may be able to qualify for discounts. On the other hand, if you have a poor driving record, you may be required to pay a higher premium.

# Ask about discounts. Many companies offer discounts for things like good driving records, being a student, or taking defensive driving courses.

# Read reviews. See what other customers have to say about the company’s customer service, claims process, and overall satisfaction.

Here are some of the top independent car insurance companies in the United States, according to NerdWallet:

# Erie Insurance

Image of Erie Insurance company logo

# Amica Mutual

Image of Amica Mutual company logo

# Auto-Owners Insurance

Image of AutoOwners Insurance company logo

# USAA (military only)

# State Farm

Image of State Farm company logo

It is important to note that not all of these companies will be available in all states. Be sure to check with your state’s insurance department to see which companies are licensed to do business in your state.

Ultimately, the best way to find the cheapest car insurance is to compare quotes from multiple companies and choose the one that offers the best coverage at the best price.

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