Best Choice for Car Insurance: National vs. Local Providers’ Trade-offs
Document Type
Article
Publication Title
WalletHub
Abstract
Choosing between national and local car insurance providers involves balancing coverage, cost, and service. National providers offer broad coverage, digital tools, and multi-policy discounts but may have impersonal claims processes, while local providers provide personalized service and regional risk knowledge but have limited financial reach and digital infrastructure. Key considerations include coverage options, premiums, deductibles, claims handling, and personal factors such as driving history, vehicle type, and location. Evaluating these trade-offs enables consumers to select insurance that maximizes protection and minimizes financial risk.
Publication Date
10-2-2025
Recommended Citation
Lukongo, Onyumbe E. Ben, "Best Choice for Car Insurance: National vs. Local Providers’ Trade-offs" (2025). Department of Public Policy. 1.
https://digitalcommons.subr.edu/dpp_facpubs/1
Comments
Onyumbe E. Ben Lukongo
Ph.D., Tenured Full Professor of Public Policy, Department of Public Policy PhD Program, Nelson Mandela College of Government and Social Sciences - Southern University, Baton Rouge