Best auto insurance companies: ranking

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Auto insurance is a prerequisite for keeping a car. Taking out insurance is no big deal these days. You can do it through online services or by contacting the office in person. It is worth noting that for all companies the conditions for registration for the same car vary significantly. Therefore, before concluding an agreement, it is necessary to choose the most profitable company.

What is auto insurance?

Each owner must take out insurance for a car for his own peace of mind. We are talking about the fact that in the event of property damage to the vehicle, the costs are borne not by the owner, but by the insurance company. Thus, even the most unforeseen situations on the road will not hit the motorist's wallet.

Types of car insurance

Today, insurance companies offer a variety of contract options. Each of them is limited to a certain number of risks. The main types include:

1. OSAGO - this type in the Russian Federation is mandatory. Under the OSAGO agreement, the car owner has the right to compensation for damage caused to passengers or the vehicle. It should be noted that the payment is made only if the injured party is not to blame for the accident. OSAGO registration is carried out once a year.
2. Casko - this agreement is signed on a voluntary basis. It provides full compensation for damage to the car. But you should know that this contract does not in any way insure passengers or transported property.
3. DSAGO - voluntary car insurance. It is issued as an addition to the main contract and ensures the reduction of the most unforeseen risks.

Thus, OSAGO must be issued to all car owners. Casco does not replace OSAGO.

Ranking of the best auto insurance companies

You can sign a contract in a dozen different companies. The ranking of the best auto insurance companies is as follows:

1. "Ingosstrakh" - this company has the highest percentage of payments without trial.
2. "RESO-Garantia" - the company offers a huge number of additional service packages.
3. "Alfa Insurance" - customers give the company the highest rating.
4. "Rosgosstrakh" is the largest organization of all auto insurance companies presented in the rating.
5. "RenaissanceInsurance" - creates the most convenient conditions for paperwork for its customers.
6. "Consent" - has a very streamlined online service.
7. "Zetta Insurance" - service in this company is at the European level.
8. "Insurance House" - pays insurance faster than the rest of the list.
9. SOGAZ almost never refuses to pay.
10. "Liberty Insurance" - draws up insurance at any time of the day or night.

Each of the representatives of the list has its own advantages and disadvantages. A more detailed overview of the auto insurance companies from the rating is presented below.

Ingosstrakh

The represented company gets its leading position due to the high level of reliability. To date, ruAAA is the highest value possible. A wide range of services is another reason to include Ingosstrakh in the rating of auto insurance companies. OSAGO, comprehensive insurance and any other types of insurance are provided here in a matter of minutes. Another advantage of the company is the hassle-free refund. This indicator matters - 56%. 2.97% - the percentage of failures of this insurer. Ingosstrakh also takes cases to court only in 0.13% of cases. If the customer decides to purchase additional services from the company, then all of them will be clearly spelled out in the contract. Owners of new passenger cars (service life less than five years), the companyoffers a special offer "Autoprotection". This option makes it possible to ignore the period of use of parts during repairs. In this case, under the insurance policy, the owner receives reduced payments for wear and tear. For cars under ten years old, "Ingosstrakh" offers the service "Warranty TO".

RESO-Garantia

Of all the representatives of the list of auto insurance companies, this one is the most convenient. Users note the high level of responsibility of the organization. This is confirmed by the reliability rating of the auto insurance company "Reso-Garantiya" - ruAA +. This value shows that the insurer will have enough funds to compensate for the damage for many more years to come. A clear advantage of "RESO-Garantiya" is the presence of an additional option when issuing OSAGO. They are of two types:

• "Economy" - provides a quick departure of a special person in case of an emergency and a reduction in the price of transporting a car that has broken down on the highway or in an urban environment.
• "Comfort" - includes all "Economy" options. Additionally, this package includes a free call of a real paid ambulance.

If the owner of the car wants to receive an even wider range of services, then he should consider the option of issuing a DGO, and also a hull to it. The rating of auto insurance companies is primarily formed on the basis of the quality of the work of the insurer. RESO-Garantia always fulfills its promises in full. delaysShe also has no payments. The percentage of payments presented by the insurer is at the level of 51%. Only in 1.68% of cases are insured persons denied claims.

Alpha Insurance

This representative completes the TOP-3 rating of auto insurance companies. Most of his customer reviews are positive. Most car owners consider Alfastrakhovanie to be the best representative of the service sector in question. For over 20 years, the company has been among the top ten insurance companies. And this is not surprising, because its reliability rating is ruAA+. This means that AlfaStrakhovanie has only a small amount of money left to accumulate before the highest indicator. As for the advantages of the firm, they look like this:

• low bounce rate - 1.06%,
• convenient DSAGO design,
• multifunctional "Personal Account",
• prompt technical support.

For those who do not have free time, the company offers convenient online insurance.

Rosgosstrakh

According to data from analytical firms, Rosgosstrakh is the largest representative of the rating of auto insurance companies. He also got into the list of the best because of his good creditworthiness. Its reliability rating is ruBBB+. This is somewhat lower than that of the previous representatives of the rating of auto insurance companies. But an overview of allaspects of the work of "Rosgosstrakh" shows that this does not affect the quality of its work. The only drawback of the presented insurer is the dependence on the economic situation in the country.

As for the advantages of Rosgosstrakh, they include:

1. Great experience - almost fifteen years.
2. More than a hundred offices nationwide.
3. Possibility of online application.

The company has had payout problems in the past. Therefore, some customers treat the insurer with distrust. Nearly 3 percent of customers are currently denied payments.

Renaissance

Fifth place in the ranking of auto insurance companies deservedly goes to "Renaissance". According to customer reviews, the organization provides services of a very high level. Also, the advantage of the company is a stable position in the market and a good image. The level of its reliability is still slightly lower than its main competitors and has a value of ruAA-. The position of "Renaissance" in the market is quite stable, but the company is not going to stop there. So, support service operators in this auto insurance company work around the clock. Therefore, customers can place an order or clarify any question at any time of the day or night. Renaissance's bounce rate is steadily declining and currently stands at just 3.33%.

The company's online services also work at a high level. So, customers can always make changes or correct errors under the contractright in your account. You can also apply for an insurance contract through the official website of the company. The only thing worth paying attention to in such a situation is that the original document will be delivered to the client the next day by courier. You can also pay for insurance through an employee at the time of receipt of documents.

Consent

Sixth place in the rating of auto insurance companies went to a promising and very dynamically developing office. Now the level of its reliability is classified as ruBBB+. That is, Soglasiya's creditworthiness is not bad, but not ideal. This is primarily due to the company's serious dependence on economic changes. But despite this, the company always compensates for the damage. The fact that the insured car has been in an accident does not even affect the payments. And if the company's customers do not have the experience of getting into an accident, then they are waiting for very decent discounts. The percentage of failures at "Consent" is minimal and amounts to 1.66%. In addition, the advantages of the company are:

• great support,
• convenient personal account,
• smartphone app.

Having insured a car with "Consent", the client will never delay his contract. The company without fail reminds car owners about the end of insurance.

Zetta

Earlier the company was called "Zurich". According to the rating, the auto insurance company ranks seventh. Herentering the top ten is due to the excellent service of the European level and good solvency. According to the national scale, the level of its reliability is determined by ruA+. In this regard, customers have no reason to worry. Zetta pays for road accidents in less than twenty days. Also, the company does not oblige clients to present an excessively large number of documents. It is enough to provide a passport, title and driver's license. As for refusals on payments, only slightly more than two percent of clients fall under them. Every year the level of work of the company becomes noticeably higher. Car owners praise Zetta for a very high level of customer focus.

Insurance house

This insurer is characterized by iron discipline and a high level of responsibility. According to the reliability rating, "Insurance House" has an indicator of ruAA. This indicator suggests that the insurance company will definitely not show a negative trend in the next five years. As for the percentage of refusals to compensate for damages, this figure for the "Insurance House" is at the level of 1.81%.

As for the benefits of the company, they are as follows:

1. Customers who do not have accidents are provided with preferential insurance conditions.
2. Compensation for damages is carried out five days after filling out the application.
3. For big holidays, the insurer makes good discounts.

Despite a good listadvantages, reviews about this company are very contradictory. So, in different regions, the company's customers are dissatisfied with the service and give the company average or bad ratings.

SOGAZ

The main and most important advantage of the company is a high level of creditworthiness. The fact is that the rating of its reliability is at the level of the leader of the list and is designated - ruAAA. SOGAZ also got to the bottom of the rating not by chance. The fact is that the company's customers often complain about the speed of service and the level of service. But there are also positive reviews. Some customers note that the company solves problem situations very quickly. As for the performance of the company, they look like this:

1. Denied payments - 0.66%.
2. Resolution of transactions through the court - 1.37%.
3. Payout rate - 53%.

This information is a guarantee of an accurate refund.

Liberty

The most unpopular representative of the rating of auto insurance companies - "Liberty". As for the reliability rating, the company has a very high one - ruAAA. Customer reviews also characterize the organization on the positive side. Liberty is said to be a very loyal and generous insurer. There are times when a company transfers more money to its client than the appraiser counts.

But the company also has disadvantages. Thus, the percentage of refusals for payments here is higher than that of other representatives of the rating of auto insurance companies (5.08%). In addition to providing a standard set of services,the company always offers to take an additional package, which not all customers like.