How to choose the best car insurance companies for your clients

Choosing the best car insurance provider starts with the basics: identifying who the client is, what they drive, and where they live. From there, you can work through a short checklist when you screen carriers.

☐ financial strength and stability: check A.M. Best and other insurance rating agencies, and avoid carriers that look weak on long‐tail claims

☐ claims handling track record: look at independent satisfaction scores and broker feedback, and favor carriers that resolve auto claims quickly and fairly

☐ coverage flexibility: confirm availability of options like gap coverage, rideshare endorsements, higher limits, or agreed value for high‐value vehicles

☐ fit with client profile: match each carrier’s appetite to your client type, such as teens, high‐risk drivers, luxury cars, or multi‐policy households

☐ pricing and discounts: compare total cost after telematics, multi‐car, and bundling discounts, instead of quoting off base rate alone

☐ digital tools and servicing: review apps, portals, and payment options, especially for clients who expect to manage everything on their phone

Use this checklist to evaluate the best car insurance companies in this guide and help narrow down your choices for each client account.