Insurance. It is not something that you ever want to think about having to use. However, it is something that you will be glad that you have in your back pocket when you need it.
This is a big business in the United States, considering that there are nearly 6,000 insurance companies across the country.
With that in mind, it can be hard to determine what the best insurance companies are.
To do that you would need to start looking at all types of insurance companies such as life insurance, car insurance, health insurance, home insurance, and more.
So, what are the best companies around? Which ones stand out amongst the rest? Is there a certain type of insurance that you should be looking at?
This is your guide.
Car Insurance
Let’s start with how you get around every day. When it comes to a car, this is an important thing for a lot of Americans to have covered. Not only because of the need for the car but because it is the law in pretty much every state to have car insurance if you own a car.
Here are two companies worth looking at in this category.
Geico
It is so easy, a caveman can do it. That was a popular slogan for Geico back in the day, but the slogan does hold up today when trying to get car insurance.
That is because Geico is one of the most friendly car insurance companies out there when it comes to qualifying for their car insurance. They are the type of company that is willing to take on certain high-risk drivers.
On top of this, the company has some of the lowest insurance premiums out there for good drivers and it is available in every state in the country.
The average premium for Geico is about $113 per month. Considering other companies charge nearly double, it is worth looking into.
State Farm
Like a good neighbor, State Farm is there. That holds true when it comes to customer service rating as well because State Farm has the best customer satisfaction of any car insurance company.
On top of this, they are also the largest car insurance company in the country. What this means is that no matter where you go, you will be very likely to find a branch that can serve you.
Home Insurance
We talked about how you get around, but what about where you live? Well, a good home insurance company can help protect that asset.
Lemonade
Arguably one of the best home insurance companies out there is Lemonade. The fascinating thing about this insurance company is that it is less than 10 years old and does not even operate in a building. Yes, it is entirely online.
This makes it one of the easiest insurance companies to manage your account online and use their app. Best of all, you have a wide range of add-ons that you can choose from here if you want to customize your home insurance policy.
State Farm
Going back to the good neighbor, they are once again near the top in another insurance category. They also benefit here from being a very large company that operates in all 50 states.
On top of this, they arguably offer the cheapest premiums for good homeowners in 2023.
Health Insurance
Considering how expensive this type of insurance can be in the United States, you must get this one right. Let’s take a look at two companies that can help you here.
Blue Cross Blue Shield
This is arguably one of the biggest health insurance companies in the country and insurance that can be accepted in a wide range of places. It also has the second-highest NCQA rating of any health insurance company out there.
There is a large variety of plans available here and for those that just need virtual care, there is no charge for that here.
United Healthcare
For those that like more flexibility in their health insurance plan, United Healthcare can be the place for you because they have a large number of short-term plans available for you. On top of this, they offer dental to both adults and children on their plans.
While Blue Cross Blue Shield is a big health insurance company, United Healthcare is considered the largest in the country, so you should always have it no matter where you go.
Life Insurance
This insurance may not be one that everyone thinks about. However, those with families or dependents need a plan, and life insurance can help.
MassMutual
One of the best life insurance companies out there is MassMutual because of the flexibility they have with life insurance policies. They have the typical term life insurance policy available.
However, they go beyond that by not only offering whole life insurance but also having universal and variable universal life insurance available. If you are someone that wants good options to choose from, this is your place.
See More Types of Insurance Companies
These are just some types of insurance companies that you should be looking at in 2023. The first thing you need to do is figure out what kind of insurance you need this year.
Once you do that, do some additional research on the plans each company offers and what you are looking for. Whether it is Geico, State Farm, United Healthcare, or MassMutual, something should be out there for you.
Do you want to know more? Message us today to get your questions answered.