Auto Insurance Quote for Women

 The auto insurance quote selection for women needs thorough evaluation and understanding. This is because there are various options and discounts available with auto insurance quotes for women. You can even access a cost effective vehicle insurance quote in this case. 

Auto Insurance Quote Review

Have you thought about asking for a free auto insurance quote on the internet? Are you concerned because you may not know anything about the company providing the quote? Are you wondering how you can find out about the reputation of the company giving you a quote, especially when it comes to paying out claims?

This article will tell you how to find out about insurance companies: their financial stability and how many consumer complaints they receive, how to ask for a quote so you can compare apples to apples, and results of online quotes from eight known auto insurance companies.

How to find out the stability of an insurance company

The financial stability of a company is rated by A.M. Best and Standard  Poor's. These companies provide an independent opinion of an insurance companies ability to meet its ongoing policy and contract obligations. The A.M. Best rating is expressed as a letter grade from A++ (the highest) to D. It is recommended that you do not work with companies rating B or lower. The Standard  Poor's Ratings range from triple A (the highest) to CC. It is recommended that you do not work with companies rating lower than BBB.

How to find out individual policy holder satisfaction with an insurance company

Annually J.D. Power and Associates gathers data from policy holders nationwide regarding policy options, pricing, automated phone service and overall satisfaction, with the insurance company providing their insurance. The best rating is 5.

How to Find Out the Number of Consumer Complaints 

The Department of Insurance for each state provides the general public with consumer complaint ratios. This ratio helps the consumer to identify the number of complaints per number of claims filed. A maximum of forty companies are compared. If more than forty insurance companies have complaints, only the forty companies with the most complaints will be compared. It is recommended that the complaint ratio be checked in three or more states to identify specific insurance company trends. A ratio of less than one hundred is better than average.

How to ask for a quote so you can compare apples to apples

A response to the following information must be decided before asking for an auto insurance quote:

Car make, model, year, current mileage 

Deductible amount for collision, comprehension and liability 

Coverage for medical 

Purpose for using the car 

Miles driven per year 

Number of designated drivers 

Drivers ages What is the result of performing the above steps?

The Auto Insurance companies used for this Auto Insurance Quote Review are 21st Century, Allstate, Esurance, Geico, Nationwide, Safeco, The Hartford. These companies were selected based on longevity in the business and their familiarity to consumers throughout the United States. The stability, consumer overall satisfaction (Sat.), policy options (Opt.), price (of premium) and automated phone service rated as follows.

J.D. Power and Associates

Insurance Co. AMBest SP Sat. Opt. Price Phone

21st Century A A 3 3 4 2 

Allstate A+ AA- 3 3 3 3 

Esurance A- n/a n/a n/a n/a n/a 

Geico A++ 3As 3 4 4 3 

Nationwide A+ A+ 3 3 2 3 

Safeco A A- 3 2 2 3 

The Hartford A AA- 3 3 4 3

The number of consumer complaints for these auto insurance companies rated as follows in the states of Illinois, Minnesota, Missouri, Texas and Kentucky.

The Complaint Ratio for Five States

Insurance Co. IL MN MO TX KY

21st Century n/a n/a n/a 199 n/a 

Allstate 55 130 130 165 19 

Esurance n/a 212 212 455 0 

Geico 33 149 128 132 116 

Nationwide n/a 76 76 131 0 

Safeco 29 117 117 71 25 

The Hartford 29 n/a 454 200 54

The Auto Insurance Quote Sample

The following information was used for all quotes:

 2006 Toyota Camry 4dr v6 engine LE 

 50,000 miles  

 Driven under 9000 miles per year  

 Used for pleasure  

 $100 Deductible for comprehensive and collision  

 $250,000/$500,000 Liability  collision  

 $10,000 medical 

 One car and two drivers Auto Insurance Quotes

The following six month policy quotes were received from each of the companies listed below:

Company Quote

21st Century $237.68 

AllState $392.00 

Esurance $343.00 

Geico $260.10 

Nationwide $415.40 

Safeco $281.00 

The Hartford $375.00

Ways To Lower The Premium

Most insurance companies will offer discounts for the following events:

Save driving record for 3 - 5 years  

No minor infractions for 3 years 

Anti lock devices installed in your vehicle 

No DUI for the last 3 - 5 years 

License not suspended for the past 3 years 

Good credit rating 

Car owned rather than leased or financed 

A second vehicle is also insured 

Other types of insurance is also purchased from them 

High risk drivers can expect to have a higher premium. Not all insurance companies will insure them. In addition when a high risk driver has an accident, the insured can expect difficulty when attempting to get the vehicle repaired using car manufactured parts. Generally auto insurance companies will pay only for the cheapest parts available.

Some insurance companies offer a lower premium for the first year as an enticement to encourage you to get your auto insurance coverage through them. So always ask about the second year premium price.

Is It a Good Idea to Get a Free Auto Insurance Quote Online? Yes! Do It Now.

It is a good idea. You have nothing to loose and much to gain. There is no charge to get a free auto insurance quote, except for the time it takes to ask for the quote. Do it today. You can find out for yourself how your current auto insurance premium compares to other auto insurance company premiums.

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