Thinking about shopping your auto insurance? The September 2015 issue of Consumer Reports reveals the best auto insurance companies.

Car insurance ads on TV promise accident forgiveness, vanishing deductibles, and other selling points. But those features are just a side show to the main act, which is a company's reputation with satisfying customers after a claim is made.

Read more: What role does credit play in setting car insurance premiums?

Best and worst auto insurers

According to Consumer Reports, the top 2 insurers are USAA Property & Casualty and Amica Insurance, two of my longtime favorites. Just a hair behind them is New Jersey Manufacturers Insurance Company, a company that's never much been on my radar.

Firmly in the middle of the pack you have insurers like State Farm, Mercury, Geico, American Family and others.

On the flipside, among the lowest rated auto insurers in the country are Farmers Insurance and Hanover Insurance. Just a hair above them you'll find Allstate, Metlife Auto & Home, Liberty Mutual and Travelers, among others.

When it comes to car insurance, be sure the deductible you have isn't too low. Having a low deductible pushes premiums higher. It could also tempt you to make a claim for a small incident that will leave you in trouble with insurers going forward.

Read more: Best and worst home insurers



Image of Clark Howard About the author: Clark Howard

Clark Howard is a consumer expert whose goal is to help you keep more of the money you make. His national radio show and website show you ways to put more money in your pocket, with advice you can trust. View More Articles

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