Virginia Car Insurance Quotes

When it comes to shopping for auto insurance, things can get a little overwhelming with all the companies, prices and ways to access quotes. Many people still prefer the old fashioned method of meeting one-on-one with a local insurance agent; however, with the internet at our disposal, many people now shop for insurance in the comfort of their own home. Regardless of which approach shoppers take, prior knowledge eliminates many hassles. Shoppers, whether looking for simplicity or lots of perks, want to keep a few things in mind when finding the right coverage. In fact, in an evaluation of two top auto insurance providers, Liberty Mutual and AAA Insurance, here are some important facts.

What These Companies Have to Offer

According to its web site, Boston-based Liberty Mutual has helped customers since 1912. It is the “third largest property and casualty insurer in the U.S.” as reported by the National Association of Insurance Commissioners and has over 400 offices across the United States.

In regards to auto coverage, customers can opt for Bodily Injury Liability; Property Damage Liability; Medical Payments; Personal Injury Protection; Uninsured/Underinsured Motorists and Collision and Comprehensive.

Extra options include: Accident Forgiveness; New Car Replacement; Unlimited Rental and Multi-Policy Discount. There are also specific products designed for teens and seniors.

Where Liberty Mutual is the third largest property casualty insurer, AAA insurance, originally formed as American Automobile Association in March of 1902, is known as “a one-stop shop”. Because of its perks, AAA received the A.M. Best rating of “A+ Superior”. However, consumers pay a membership fee for these perks.

AAA offers similar coverage as Liberty Mutual, but with the AAAYourAuto, consumers get Accident Forgiveness; Extended Car Rental Expense Coverage; Pet Coverage (up to $500) and a 12-Month Policy at no additional cost. Consumers can also opt for New Vehicle Replacement; Limited/Loan/Lease Payoff (Gap Coverage); AAA Accident Assist and AAA Immediate Repair Program Shop.

AAA members also enjoy full-service travel agency; road trip plans tailored for them; car buying assistance; identify theft monitoring; rewarding credit cards; pro-rate; money-back guarantee; AAA Home Improvement & Repair Network and several discounts on shopping and other services.

Pricing

Liberty Mutual customers do not pay any membership fees and coverage prices vary based on age and state with both companies. AAA Insurance Members must apply for their membership at a cost of $52, $82 or $105 depending on membership type (Classic, Plus or Premier). The higher the fee, the more benefits for the consumer.

Ease of Shopping

When it comes to web site ease of shopping, AAA Insurance has a more user friendly site for less technical savvy shoppers; however, when it comes to shopping for insurance quotes, Liberty Mutual has a more user friendly application system. After testing both systems three times, Liberty Mutual proved to have a faster quoting turnaround time, quicker personal follow-up and lower premium options than AAA Insurance.

Thus, consumers looking for simple, ease of shopping online, quick one-on-one follow-up and a lower premium with no additional fees, Liberty Mutual proves efficient in all areas. If, however, the added benefits of travel, shopping, and an A-rated roadside assistance are worth the price, then consumers want to give AAA Insurance a call.