The Clark Howard Podcast 03.16.26 Best Auto Insurers / Discounters Go Wide
11 snips
Mar 16, 2026 Auto insurers are back to profitability, sparking renewed competition and a look at top-rated regional carriers. A guide to finding companies that deliver strong service and value is discussed. No-spend trends and shifting shopping habits are saving Americans real money. Thrift and dollar retailers are booming after broadening their price strategies.
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Regional Insurers Often Outperform Big Advertisers
- Regional and specialty insurers often top quality rankings even though they advertise less.
- Examples include Erie, NJM, USAA, Amica Mutual, Auto Owners, and CSAA Insurance Group topping Team Clark's composite scores.
Prefer New Cars Over One Year Used Vehicles
- When deciding between a one-year used car and new, favor new models today unless you go 4–5 years old.
- Clark says one- or two-year used cars no longer deliver the depreciation advantage they once did.
Consider Warranty And Range Before Buying Discontinued EVs
- Buying a discontinued EV like the F-150 Lightning isn't a parts nightmare; warranties (especially battery) are long and used prices have dropped.
- Beware reduced real-world range and much worse range when towing for long trips.