Key Takeaways ; USAA is No. 1 in our rating, but its policies are only available to current and former members of the military and their families. ; Auto-Owners was second in our rating and at or near the top of all subcategories we analyzed, including customer service and claims handling. ; Car insurance rates vary based on many factors. Shopping around can help you find a policy that fits your budget.
Understanding car insurance ; Car insurance is a protection you must purchase if you own a car or other vehicle. It protects you in case of an accident. Car insurance may protect you from: ; Insurance companies may refer to car insurance as property and casualty insurance. Property and casualty insurance also includes home insurance, business insurance and disaster insurance. ; If someone who isn't on your policy has an accident with your car, your own premiums may increase. ; If you get into a car accident, your insurance may cover:
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