If you live in an area with unusual state regulations or heightened risk of weather-related claims, shopping car insurance options will be vital. Not every car insurance company offers policies in every state, which can make pricing less competitive. If you live in storm-prone states like Louisiana or Florida, you might find it harder to get a competitive rate.
To ensure that providers’ financial affairs were up to snuff, we looked at independent evaluations from insurance rating and credit rating agencies A.M. Best, S&P Global, Moody’s, and J.D. Power. While each agency has its own rating scale, we required companies to have A or “above average” ratings from all four — solid indications that companies are in great financial health. Acquiring ratings from all four agencies also indicates that companies care enough about their business’ reputation to apply for these voluntary review processes. For an industry that’s centered around the principle of being there when you need help most, we found this focus on transparency to be the mark of a good provider. Smaller companies like Good Sam or National Interstate may provide seemingly better discounts, but they tend to only submit themselves for review to one or two agencies.
“Florida has a larger percentage of riskier drivers,” points out Karen Kees, press secretary at the Florida Office of Insurance Regulation. “There are a high number of students due to the many universities in Florida, older drivers due to the large number of retirement communities, and drivers unfamiliar with the local roads due to our popularity with tourists.”
State Farm boasts a solid score in J.D. Power’s Customer Claims Satisfaction rating among our top picks (three out of five) and sits above industry average. That means that once you do file a claim, you can expect a smooth experience. If a positive customer experience is especially important to you, State Farm is likely to deliver superior service.

Personal injury protection (PIP) is required in the 12 no-fault states, optional in 10 states and the District of Columbia, and not available in 28 states, according to the Insurance Information Institute. Your PIP limits set the maximum amount that will be paid per person for any combination of covered expenses. PIP limits vary by state but are usually in the range of $1,000 to $10,000. Some states allow you to choose your PIP limits and others set it to a certain amount. You can always choose to buy additional PIP coverage beyond your state required amount.
State Farm boasts a solid score in J.D. Power’s Customer Claims Satisfaction rating among our top picks (three out of five) and sits above industry average. That means that once you do file a claim, you can expect a smooth experience. If a positive customer experience is especially important to you, State Farm is likely to deliver superior service.
As the name suggests, DRIVE Insurance offers protection for items that move including cars, motorcycles, ATVs and dirt bikes. They also offer insurance policies for scooters and golf carts. Most states require that drivers carry a minimum amount of auto insurance coverage, however, that minimum varies by state. With DRIVE Insurance, customers can opt for basic coverage or increase policy limits for fuller protection.
As a professional auto insurance company, we can offer you the right coverage that is unique to your needs. At your convenience, we are here for you twenty-four hours a day, seven days a week. Quickly and easily submit your application for a free insurance quote using our easy to use website. As a customer, you will enjoy our suite of customer service forms all from your local agent.

Looking at a 20-year term life insurance policy (the most popular option) worth $500,000, we've determined what the average annual rates are for individuals between the ages of 25 and 65. One of the clear takeaways from the table: it's expensive to smoke. Smokers on average will pay an average of 260% higher premiums for their life insurance policies than non-smokers. This disparity is greatest for those between the ages of 40 and 55, with 40-year-old smokers paying over three times as much for their life insurance as non-smokers, while 25-year-old smokers pay only twice as much.
RV insurance can be very different from car insurance depending on the type of RV or motorhome you have and how much you use it. Whether you have a camper trailer for weekend getaways and day trips; a large RV for extended vacations; or a motor home that you use as your primary residence, The Hartford has RV insurance solutions that you can customize to meet your needs.
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Founded in 1937, the Progressive Insurance Company was created by Joseph Lewis and Jack Green in an effort to provide affordable insurance for vehicle owners. In 2004, Progressive introduced DRIVE Insurance as part of the Progressive group of insurance companies. Together, Progressive and DRIVE Insurance are one of the largest auto insurance providers in the nation. The companies strive to offer competitive rates and concierge level of claims and customer service.
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