Best Car Insurance Companies That Use Third-Party Consultants (2021)

There may only be three major car insurance companies that may use third-party consultants as part of their car insurance claims processes. Two of these car insurance companies that use third-party consultants have average annual rates for full coverage that fall under $1,500. The best car insurance companies that don’t use third-party consultants scored highly in J.D. Power’s customer satisfaction survey. Also, most of those companies have full-coverage rates that fall under $1,300 per year.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 14, 2021

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The Highlights

  • The best car insurance companies that use third-party consultants during their claims process are the only three major companies that do so
  • Farmers and Travelers are the more affordable car insurance companies that use third-party consultants
  • Amica and GEICO are among the best car insurance companies that don’t use third-party consultants

When you compare car insurance, consider the claims process. Many companies have different approaches to handling claims, and there are a few major car insurance companies that use third-party consultants.

To help you in your search, we have compared 11 different companies and discovered which providers use consultants during their third-party insurance claims processes.

Read on to know about the car insurance companies that use third-party consultants. If you want to look at rates from top car insurance companies in your area right now, enter your ZIP code into your free quote tool above.

The Best Car Insurance Companies That Use Third-Party Consultants

Farmers, Kemper, and Travelers use third-party consultants as part of their car insurance claims processes.

  • The average annual rate for Farmers’ full car insurance coverage is $1,367.
  • A full-coverage policy for Kemper car insurance is about $2,930 a year.
  • The average yearly rate for Travelers’ full car insurance coverage is $1,251.

How do these companies’ claim processes work?

Farmers pairs its drivers with claims representatives. After drivers have their cars repaired during the Guaranteed Repair Program, consultants can give their estimates for repair costs.

Kemper’s claims team has claims representatives and adjusters. Also, Kemper has first-party and third-party claims adjusters. Some claims adjusters are primarily responsible for communicating with claimants.

Travelers Insurance has at least two positions on its claim team that have consultation duties, one of which is the Direct Repair Program consultant position who is responsible for formulating and implementing a claims strategy.

Travelers Insurance also uses an auto liability technical specialist when dealing with a third-party insurance claim, and these specialists may act as consultants.

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The Best Car Insurance Companies That Don’t Use Third-Party Consultants

The car insurance companies in this category have high customer satisfaction ratings.

Based on the 2021 J.D. Power customer satisfaction survey, these eight companies rank highly on our list:

Car Insurance Companies That Don’t Use Third-Party Consultants: Rates & Ratings Comparison
CompanyAverage Annual Rates for Full CoverageBest 2021 J.D. Power Customer Survey Score (out of 1,000)
Amica Mutual$1,281.60867 (Led New England Region)
Erie$1,230857 (Led North Central Region)
GEICO$1,295.40845 (Tied for 4th in Central Region)
Mercury Insurance$1,197816 (7th in California)
New Jersey Manufacturers$1,189.75867 (Mid-Atlantic Region)
Shelter Insurance$2,550856 (Led Central Region)
State Farm$1,285.90859 (New York)
USAA$1,282.83897 (Central Region)
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Some notes:

  • USAA consistently outranked many other companies in various regions, even though its consumer base is limited to military personnel and families.
  • GEICO consistently ranked in the top 10 in various regions, easily outpacing the national average.
  • State Farm came out on top in three separate regions in J.D. Power’s survey: Florida (848), New York (859), and the Northwest (844).

How do these companies handle their claims processes?

Amica Mutual and USAA both deploy claims representatives and adjusters.

Erie’s claims team includes claims support specialists, liability specialists, and material damage adjusters.

NJM uses claims representatives.

State Farm’s claims team has associates and appraisers.

Mercury’s claims team includes claims specialists, examiners, litigation specialists, investigators, and theft and fire specialists.

GEICO’s process involves liability claims examiners. However, the company also has claims adjusters.

Car Insurance Companies That Use Third-Party Consultants: The Bottom Line

As you can see, most third-party car insurance companies do not use consultants as part of their claims processes. But if you prefer a car insurance company that uses third-party consultants, Farmers, Kemper, and Travelers are your choices.

If you want to know more about third-party car insurance and consultants, please read our FAQ section. If you want to look at quotes from top car insurance companies in your area, enter your ZIP code into our free tool below.

Frequently Asked Questions: Car Insurance Companies That Use Third-Party Consultants

Here are some answers to frequently asked questions about third-party consultants and car insurance:

#1 – What is third-party car insurance?

In short, third-party insurance is any policy that someone purchases to protect themselves against losses from a third party.

When you buy a liability car insurance policy, you are the first party, and your insurance company is the second party. That means anyone who files a claim against you is a third party.

#2 – What is a third-party insurance consultant for car insurance?

A car insurance consultant is a state-licensed advisor who works at a car insurance company. This professional must work with policyholders to help them find the best policy solutions.

For example, this person might recommend standard or business insurance for independent consultants in other industries. Or the consultant might work with standalone umbrella insurance carriers for clients who own a lot of assets.

The insurance consultant might also be responsible for verifying an applicant’s information. This person might also review and assess a (prospective) policyholder’s information to match them with the right insurance policy.

Insurance consults perform research, analyses, and risk assessments. They may also provide insurance quotes, answer questions about policies, and process insurance claims.

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