An additional possible contributor to future rate hikes is the increased frequency in car crashes attributed to distracted driving—caused in large part by more people using their phones while driving. The National Highway Traffic Safety Administration (NHTSA) reports that 2.443 million people were injured in distracted driving crashes in 2015, which is an increase from 2.217 million people in 2011. Insurers respond by raising rates to make up for the increase in insurance claims they have to pay out.
Though Safeco’s app boasts a high 4.7 rating with over 5,000 ratings in the Apple App Store and an average 4.1 rating in Google Play, the reviews tell a different story. The most common complaint is that the app simply redirects you to the Safeco website, which is poorly formatted for mobile use. Many reviews also report that the app routinely crashes, which frustrated customers enough that they deleted the app and used their computers to access the Safeco website. The company has responded to say that it is actively working on improving functionality and adding offline features, but in the meantime, it’s likely that using the app is a frustrating experience.
Nationwide offers more discounts than most other providers, and you’ll likely be eligible for at least one. Discounts are offered for switching from another provider, paying your annual premium upfront, driving safely, not filing any claims in the previous insurance period, and having membership in Nationwide’s Affinity Group. Nationwide is also one of the only providers that will reward you for enrolling in an RV safety course.
We started by identifying Texas’ five biggest auto insurers by market share and comparing their financial strength, coverage options, and customer service using methodology similar to that in our review of the best car insurance providers. Then we checked J.D. Power and Consumer Reports to see how each company’s customers scored them on overall satisfaction and on the claims experience. Finally, we collected quotes for six hypothetical drivers, taking note of each company’s available endorsements and discounts.
Idaho is pretty sparsely populated and mainly rural which leads to lower car insurance rates. According to World Atlas, Idaho has the seventh least population density in the country. There are roughly 20 people for every square mile. Wide-open spaces with few people mean fewer cars out on the road and fewer accidents, everything an insurance company loves.
Progressive’s app has 3.4 stars in the Apple App Store and has the same functions as most other providers’ apps: You can report a claim, pay your bills, view your policy, get in touch with an agent, and request roadside assistance. However, out of over 600 current ratings, many users complain that the app is buggy and isn’t easy to use. If mobile access is important to you, Progressive may make a stressful process even more frustrating.
When you apply for auto insurance in Texas, providers are legally required to offer $2,500 in Personal Injury Protection coverage (PIP). This type of coverage is mandated in so-called “no-fault” states, but it’s optional in Texas (although you do have to refuse it in writing). If you select it, 100% of the coverage amount will be available for your medical bills following an accident, regardless of who was at fault. While you may be covered under your own health insurance for those costs, PIP has the added benefit of covering up to 80% of your lost income if you’re unable to work following an accident. It’s a nice protection, but keep in mind that $2,500 won’t go that far in such a case. While most companies will let you raise the limit, it’s one of the costlier options to add, so if you’re on a budget, you’ll have to weigh its value against things like comprehensive and UM/UIM coverage.
With the input of over 200,000 users, Allstate boasts an impressive 4.8-star rating in the Apple App Store, which indicates that most customers are happy with the service. We especially like the QuickFoto feature: If you’re in an accident, just take pictures of the damage and a claims rep will come up with an estimate and give you a call within 24 hours.
Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. If your risk for accidents goes down, your rates just might, too.