For more than 60 years, Colonial Penn has provided life insurance from its home base in Pennsylvania. According to our look at Colonial Penn insurance, we found that Colonial Penn auto insurance does not exist.
Fortunately, there are plenty of great car insurance companies out there. Keep reading to learn more about what Colonial Penn does offer and find out about our recommendations for the best auto insurance in the United States as well as a guide on how to get auto insurance.
When you’re ready to get a few insurance quotes, enter your zip code below. In addition to the car insurance company you choose to underwrite your policy, factors like your age and driving history affect rates, so it’s smart to get multiple car insurance quotes from more than one provider and compare cost and coverage.
Use our quote comparison tool below to get started. Or, for an easier process, call our team at (844) 246-8209 to get free, personalized quotes seven days a week.
In this article:
- Does Colonial Penn Offer Auto Insurance
- Our Recommended Car Insurance Providers
- 5 Steps To Getting Car Insurance Coverage
- FAQ: Colonial Penn Reviews
Does Colonial Penn Offer Auto Insurance
Colonial Penn auto insurance does not exist. Colonial Penn is a licensed insurance provider that offers a variety of life insurance plans in 49 states plus D.C., Puerto Rico, and the Virgin Islands. The only state Colonial Penn is not licensed in is New York, but the company does have a subsidiary called Whole Life Insurance that provides life insurance to residents of New York.
Colonial Penn is itself a subsidiary of Conesco, Inc. Colonial Penn’s most popular life insurance product is the Guaranteed Acceptance Plan for people between the ages of 50 and 85.
Our Recommended Car Insurance Providers
Now that you know you can’t actually get Colonial Penn auto insurance, here are a few of our top choices for coverage. USAA and Geico performed best in our review of the country’s most popular auto insurance companies, earning 5.0 and 4.5-star ratings respectively.
Start comparing car insurance quotes by entering your zip code below or calling (844) 246-8209 to get free, personalized quotes.
USAA: Best For Military
In our research, we found that USAA car insurance is the best choice for military members and their families. Available in all 50 states, USAA has a strong reputation from professionals like AM Best and J.D. Power, having topped many customer satisfaction surveys.
USAA has great discount opportunities, especially for active military service members. You can get a discount for parking your car on a military base, for example. You can only qualify for USAA if you are an active or retired military service member or if you are a close family member of a USAA member.
Read more in our USAA auto insurance review.
Geico: Best Overall
Our first choice for coverage is Geico auto insurance. Geico received an A++ (Superior) financial strength rating from AM Best and an A+ rating from the BBB. Car insurance policies can include standard coverage, plus extra types of coverage like roadside assistance, rental car reimbursement, and mechanical breakdown insurance – which is similar to an extended warranty. Geico has discounts for federal employees, safe drivers, good students, drivers with anti-theft vehicle technology, and more.
Read more in our Geico auto insurance review.
5 Steps To Getting Car Insurance Coverage
If you’re wondering how to buy car insurance, you’ve come to the right place. Even though you can’t get Colonial Penn auto insurance, we’ll walk through the steps to getting auto insurance with another reputable provider.
1. Learn About Your State’s Minimum Requirements
Each state has different minimum car insurance requirements that all motorists must meet to legally drive, so you should check on your state’s requirements. It’s also a good idea to find out if your state is a fault or no-fault state. In no-fault states, your own car insurance kicks in to cover your injuries after an accident regardless of who caused the accident.
2. Decide What Types Of Coverage You Want
Many states only require bodily injury and property damage liability insurance, but there is a lot more to car insurance than those minimums. Here are the standard types of auto insurance you can find with most providers:
- Liability auto insurance: Covers other drivers for injuries and property damage in accidents that you cause
- Collision insurance: Covers your vehicle after an accident, regardless of fault
- Comprehensive car insurance: Covers vehicle damage after a non-collision event like hail, fire, vandalism, theft, and animal damage
- Personal injury protection (PIP): Covers your own injuries, lost wages, and death benefits after an accident, regardless of what party was at fault
- Medical payments (MedPay): Covers your own injuries after an accident
- Uninsured/underinsured motorist coverage (UM/UIM): Covers you after an accident with a motorist that doesn’t have insurance or has insufficient insurance
Most auto insurance companies also provide extra coverage like roadside assistance and gap insurance.
3. Do Your Research To Find A Reputable Company
To avoid any confusion, like that surrounding Colonial Penn auto insurance, make sure to do your research on any insurer you’re considering working with. Coverage and cost are two very important factors, but there’s more to shopping for car insurance than that.
First, you should check a car insurance company’s industry reputation. Does it have high ratings from experts like the Better Business Bureau (BBB), AM Best, and J.D. Power? The BBB considers the transparency of business practices, while AM Best measures a company’s financial strength. J.D. Power is known for its customer satisfaction studies in the auto industry.
Next, take a look at customer reviews. But remember, most car insurance companies have some negative reviews for the claims process in particular. Filing a claim and waiting for a resolution can be a stressful time. We recommend reading a few BBB reviews, Trustpilot reviews, and Google reviews that are specific to your location.
Before you wrap up your research, check out the provider’s technology. Is there an app? How fast does the website load? Technology can greatly affect the customer experience. It may not seem important now, but you want the ability to easily manage your policy from anywhere and file any claims quickly.
4. Get Quotes And Compare
Once you’re all set with your research, it’s time to get car insurance quotes from top names on your list. Quotes are free estimates of what you’ll pay if you get an auto insurance policy with a company.
Because so many factors can affect your car insurance rates, it’s a good idea to compare quotes from multiple providers, even if there’s one that stands out to you as your first choice in the beginning.
5. Ask About Discounts
Finally, there are many ways to start saving money on car insurance. Specific discount opportunities vary from one provider to the next, so be sure to ask about any discounts you could be eligible for. Some discounts that most providers offer include:
- Safe driving discount
- Good student discount
- Multiple vehicles discount
- Discount for bundling home and auto insurance
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
Read our other guides:
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- Viking Auto Insurance Review
- Freedom Auto Insurance Review
- No Insurance On Financed Car
- Registering A Car In One State And Insuring In Another
- Can You Have Two Car Insurance Policies?
- How Much Is Car Insurance For A 16-Year-Old?
- Can I Add My Girlfriend To My Car Insurance?
- Do You Need Insurance To Drive?
- Can You Cancel An Insurance Claim?