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In a best-case scenario, you’ll never have to use your car insurance. After all, making a claim on your auto insurance means you’ve suffered some sort of loss, and no one wants that. However, going through life without ever having a fender bender or other damage to your car is unlikely. In some cases, you’ll be making a car insurance claim after a harrowing experience, like a serious accident. After going through something like that, you want to be sure your insurance company isn’t going to make things worse.
Progressive has a few notable features worth highlighting — chief among them is their Snapshot safe driving program. Snapshot is a discount program that uses a telematics device, which is a $5 word that essentially means transmission. Via a plug-in device or Progressive's mobile app, drivers can elect to track their driving and have the information transmitted back to Progressive to analyze. You will be rewarded with policy discounts for safe driving habits, like staying within the speed limit, maintaining low mileage, avoiding late-night trips, hard breaks and phone usage. Progressive advertises an average discount of $145 for those who complete the program, which typically takes around six months.
Collision coverage is limited to the actual cash value of the vehicle, and requires a deductible, which is the amount you'll need to pay before receiving benefits. Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs. Ask yourself how much you would be willing to pay on short notice in order to save on your premium, or talk to your agent.

American Family: American Family car insurance is the lowest-ranked company on our list. While a fair number of customers said filing a claim with American Family was easy, that was about the only positive thing they had to say, with the company faring poorly on measures of customer service, communication about claim status, value, and claim resolution.

Progressive has a few notable features worth highlighting — chief among them is their Snapshot safe driving program. Snapshot is a discount program that uses a telematics device, which is a $5 word that essentially means transmission. Via a plug-in device or Progressive's mobile app, drivers can elect to track their driving and have the information transmitted back to Progressive to analyze. You will be rewarded with policy discounts for safe driving habits, like staying within the speed limit, maintaining low mileage, avoiding late-night trips, hard breaks and phone usage. Progressive advertises an average discount of $145 for those who complete the program, which typically takes around six months.

State Farm has many satisfied customers in Texas, judging by its 15% market share — the largest in the state. State Farm outperformed almost every company on our list in customer service scoring by J.D. Power and Consumer Reports. It also has a stellar website, which helps you understand which coverages best fit your specific needs. We would’ve liked a Live Chat feature, but there are plenty of contact alternatives, including a mobile app.


Safe Auto Group Agency, Inc and/or its affiliates (“Safe Auto”) is located and operated exclusively in the United States of America. Safe Auto does not offer goods and/or services in any language of an European county, does not deal in any European currencies, and does not underwrite risks for or issue policies to individuals or companies located in the European Union.
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