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When doing our research into the topmost car insurance company options, we aimed at the crucial metrics that impact the entire insurance experience for clients. As a result, we compiled a well-weighed list of the most reliable insurance companies offering the best options for their clientele.

Among the factors laying the foundation of our thorough selection are the following:

  • average premiums for various types of vehicle owners
  • the spectrum of unique features and discounts
  • coverage options offered
  • testimonials of real customers
  • collision claims grades
  • non-complicated process of getting the insurance
  • straightforward website
Show summary
Best Car Insurance Company
Geico
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$1,182
$1,579
Low
Details
Grade from Collision Repair Professionals:
C-
Accident Forgiveness:
Yes
New Car Replacement:
No
Gap Insurance:
No
Diminishing Deductible:
No
SR-22s:
Yes
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
No
About Geico:
Geice sells car insurance for a number of different kinds of vehicles: cars, motorcycles, classic cars, recreational vehicles (RVs), all terrain vehicles (ATVs) and boats. Emergency road service, rental car reimbursement and mechanical breakdown insurance are available as optional insurance coverages with Geico-insured vehicles. Travelers driving to Mexico will have to purchase a separate car insurance policy for their time in Mexico. Daily policies, 6-month policies and annual Mexican auto policies are all available from Geico.
Discounts:
  • Vehicle Equipment Discount – potentially save up to 23% on air bags, anti-theft systems, and other car features.
  • Driving History & Habits – can save up to 22% for drivers who are accident-free for five years.
  • Federal Employee (Eagle) and Military discount of up to 12%.
  • Multi-Policy and Multi-Vehicle discounts for loyal customers.
Pros & cons
Pros:
  • The number of complaints against GEICO are much lower than expected for an insurance company of its scope and size.
  • It offers numerous discounts on products and services.
  • The firm has a robust mobile app and online platform.
  • Has one of the lowest overall average premiums in the US.
Cons:
  • High average rates for drivers with a DUI.
  • You’ll have to look elsewhere if you want coverage features such as new car replacement, a vanishing deductible or rideshare insurance.
  • Geico’s average discount for bundling auto and home insurance is rather low at 8%.
Nationwide
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$1,540
$1,970
Very Low
Details
Grade from Collision Repair Professionals:
C
Accident Forgiveness:
Yes
New Car Replacement:
Yes
Gap Insurance:
Yes
Diminishing Deductible:
Yes
SR-22s:
Yes
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
Yes
About Nationwide:
Started as a small mutual auto insurance company in 1926, Nationwide has grown into one of the biggest insurance and financial services companies in the world. They are a Fortune 100 company that offers a full range of insurance and financial services across the country. Our products include car, motorcycle, homeowners, pet, farm, life and commercial insurance. We also offer annuities, mutual funds, retirement plans and specialty health services. Nationwide is headquartered in Columbus, Ohio, and serves people across all 50 states.
Discounts:
  • Multi-policy discount. Bundling your car insurance with a homeowners insurance policy from Nationwide.
  • Accident-free discount. If you have an accident-free driving record, you’re eligible for a discount.
  • Good student discount. A discount if you have a young driver ages 16 to 24 who has a “B” average or better in high school or college.
  • Defensive driving discount. You may be eligible for a discount if you finish a state-approved driver’s safety class. In some instances, this is available only to customers age 55 or older.
Pros & cons
Pros:
  • Terrific car insurance rates when adding a teen driver to a policy, which is typically very expensive for parents.
  • Relatively affordable premiums for drivers with poor credit.
  • Offers accident forgiveness, new car replacement and vanishing deductible options to add to your policy.
  • Offers usage-based insurance program (SmartRide) for good drivers who want to lower their car insurance rates based on driving habits.
Cons:
  • High auto insurance rates for drivers who cause an accident with injuries.
  • High car insurance premiums for drivers with a DUI.
  • Rideshare insurance coverage is not offered.
Travelers
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$1,435
$1,828
Very Low
Details
Grade from Collision Repair Professionals:
C+
Accident Forgiveness:
Yes
New Car Replacement:
Yes
Gap Insurance:
Yes
Diminishing Deductible:
Yes
SR-22s:
No
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
No
About Travelers:
Travelers initially began as two separate companies: Travelers and the St. Paul Fire and Marine Insurance Co. The first Travelers policy was sold in 1864 for 2 cents. In 1855, St. Paul Fire and Marine Insurance Co. paid its first claim when a fire spread from a bakery to a row of offices. Fast forward to 2004 and the two companies merged to create The St. Paul Travelers Cos.. In 2007, the company changed its name to The Travelers Cos. Today, Travelers has 30,000 employees serving customers for personal, business and specialty insurance.
Discounts:
  • Multi-policy discount. Save as much as 13% on your auto insurance premium when you buy homeowners insurance or condo insurance or another insurance policy from Travelers.
  • Multi-car discount for insuring more than one car with Travelers.
  • Home ownership discount if you own your house or condo, even if it’s insured by a different company.
  • Safe driver discount for Travelers customers who have had no accidents, traffic violations or major comprehensive claims in the household in the past three to five years.
Pros & cons
Pros:
  • Great price for loan/lease gap insurance at around $39 per year.
  • Good average auto rates for drivers with a DUI on their records compared to top competitors.
  • Offers accident forgiveness and also minor violation forgiveness.
  • Offers a usage-based insurance program (IntelliDrive), which may get safe drivers a good-sized discount.
Cons:
  • Rates are on the high side for adding a teen driver to your policy.
  • Offers rideshare insurance, but only in a couple of states.
  • Travelers’ bundling discount for buying both auto and home insurance is on the low end at only 10%.
USAA
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$1,141
$1,381
OK
Details
Grade from Collision Repair Professionals:
C
Accident Forgiveness:
Yes
New Car Replacement:
Yes
Gap Insurance:
No
Diminishing Deductible:
No
SR-22s:
Yes
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
No
About USAA:
USAA has been serving military members and their families since 1922. It began when 25 Army officers decided to insure each other’s vehicles. Today, USAA serves millions of members with its diversified group of financial services companies. You can join USAA only if you are a current or former military member or the spouse of a military member. Children of military members may join USAA as well. USAA sells insurance for a wide variety of vehicles: cars, motorcycles, recreational vehicles, boats and classic cars. For members with their pilot’s license, USAA offers aviation insurance.
Discounts:
  • Bundling discount. You can save up to 10% when you bundle USAA auto and home policies.
  • Safe driver discount. Have a good driving record for more than five years and you’ll earn a discount from USAA.
  • Defensive driving discount. Make sure to get this discount if you take an approved defensive driving course.
  • Driver training discount. This is for finising a basic driver’s training class.
Pros & cons
Pros:
  • Offers consistently good prices.
  • USAA has the cheapest average car insurance rates for good drivers when compared to top competitors.
  • USAA charges nearly $200 less on average to drivers with a speeding ticket compared to the nearest competitor.
  • USAA has the second cheapest average rates for drivers with a DUI when compared to competitors.
Cons:
  • Higher level of complaints than top competitors but still below the industry average.
  • USAA has strict eligibility requirements so it may not be available to you. USAA sells insurance to active, retired, and separated veterans with a discharge type of “Honorable” from the U.S. military and their eligible family members.
Auto-Owners
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$1,532
$2,024
Low
Details
Grade from Collision Repair Professionals:
B+
Accident Forgiveness:
Yes
New Car Replacement:
Yes
Gap Insurance:
Yes
Diminishing Deductible:
Yes
SR-22s:
No
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
No
About Auto-Owners:
In July 1916, Vern V. Moulton and four associates created Auto-Owners Insurance in Mount Pleasant, Michigan. In 1935, they expanded their business outside of Michigan, starting in Indiana. Auto-Owners began selling life insurance in 1966. Today, Auto-Owners sells insurance in 26 states and is represented by more than 48,000 licensed agents. Auto-Owners Insurance offers a variety of vehicle insurance options, including cars, all terrain vehicles, off-road vehicles, motorcycles, trailers, boats, motorhomes and recreational vehicles.
Discounts:
  • Multi-policy discount. Bundling another insurance policy (such as home insurance) with your auto policy can land you a discount.
  • Life multi-policy discount. You can get additional savings when you have a qualifying life insurance policy with Auto-Owners.
  • Multi-car discount. If you insure two or more vehicles with Auto-Owners, you’ll receive a discount.
  • Safety features discount. Make sure to get this discount if your car has safety features such as airbags, anti-theft devices and anti-lock brakes.
Pros & cons
Pros:
  • Gives a pretty good discount of 14%, on average, for paying in full for an auto insurance policy.
  • Gap insurance is available.
  • Offers coverage add-ons of accident forgiveness and a diminishing deductible. Also offers new car replacement coverage.
  • Good drivers can try out Auto-Owners’ usage-based insurance program (TrueRide) to possibly lower their car insurance rates.
Cons:
  • High average rates for drivers with a DUI.
  • Highest auto insurance rates for drivers with poor credit among the companies we analyzed.
  • Very expensive average increase of almost $3,580 when adding a teen to a policy.
State Farm
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$1,402
$1,607
Low
Details
Grade from Collision Repair Professionals:
C
Accident Forgiveness:
No
New Car Replacement:
No
Gap Insurance:
No
Diminishing Deductible:
No
SR-22s:
Yes
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
No
About State Farm:
State Farm was founded in 1922 by a retired farmer and insurance salesman George Mecherle. It began as a single-line auto insurance company, they now offers more than 100 different products and services across five different industries. State Farm launched State Farm Ventures, which focuses on investing in startups that develop technologies and products with a goal to improve customer satisfaction. It is the largest auto insurance company in the U.S. with a market share of nearly 17%. The closest insurer in terms of size is Allstate with nearly 10% market share.
Discounts:
  • Accident-free discount. If you drive without having an accident for three years in a row, you can qualify for an accident-free discount from State Farm.
  • Good student discount. If a student is age 16 to 25, is going full-time to high school or college, and has a B average, 3.0 grade point average or other qualifications, you can save up to 25% discount on car insurance from State Farm.
  • Loyal customer discounts. Insure more than one car with State Farm and you could save as much as 20%. Insure a home or a condo or sign up for life insurance or renters insurance with State Farm alongside your auto insurance policy and you can save up to 17% with a multi-policy discount.
  • Defensive driving course discount. Take a defensive driving class and you may be eligible for a discount of 10% to 15%.
Pros & cons
Pros:
  • Terrific rates for folks with an accident or speeding ticket on their records. (USAA is a tad cheaper but eligibility is restricted to military families and veterans.)
  • Great average rates when adding a teen driver to a policy.
  • Very competitive rates for senior drivers, who can see rate increases as they get older.
  • Has decent rates for drivers with a DUI and will file SR-22 forms for those who must have them.
Cons:
  • Especially high rates for drivers with poor credit.
  • Doesn’t offer gap insurance.
  • If you want coverage options such as accident forgiveness, new car replacement or a vanishing deductible you’ll have to look elsewhere.
Allstate
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$2,022
$2,301
Low
Details
Grade from Collision Repair Professionals:
C-
Accident Forgiveness:
Yes
New Car Replacement:
Yes
Gap Insurance:
Yes
Diminishing Deductible:
Yes
SR-22s:
Yes
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
Yes
About Allstate:
Allstate Insurance was founded in 1931 as an auto insurance company. The first policy, costing $41.60, was a 12-month policy for a 1930 Studebaker. The name came from a car tire in the Sears catalog. Today Allstate ranks at No. 4 for private passenger auto insurance, behind State Farm, Geico and Progressive.
Discounts:
  • Multiple policy discount: If you have more than one Allstate policy, you could save money off your premiums.
  • Early signing discount: If you sign your policy seven or more days before it becomes effective, you could receive a discount.
  • Responsible payer discount: If you haven’t received a cancellation notice within the past year, you can get a discount.
  • Anti-lock brake discount. Driving a car with anti-lock brakes will save you money on your car insurance.
Pros & cons
Pros:
  • Auto insurance complaints against Allstate are much lower than the industry average.
  • Offers both usage-based and pay-per-mile insurance options for drivers looking to save money.
  • If you are the first owner of a car that is the current model year or one year prior, you could save money on your premium payments.
  • If you have an anti-theft device in your car, you’ll save money on your car insurance premium.
Cons:
  • Allstate car insurance rates are usually the highest among the largest auto insurers.
  • Auto repair professionals give Allstate a C- grade for its collision repair processes.
  • Customer ratings are below average for auto insurance claims satisfaction compared with other companies.
Erie Insurance
Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
$747
$692
Higher than Industry Average
Details
Grade from Collision Repair Professionals:
C
Accident Forgiveness:
Yes
New Car Replacement:
No
Gap Insurance:
No
Diminishing Deductible:
No
SR-22s:
Yes
Usage-Based Insurance:
No
Pay-Per-Mile Insurance:
No
About Erie Insurance:
From our modest roots starting in 1925 as a Pennsylvania auto insurer, we've grown to become a multi-line insurance company, offering auto, home, business and life insurance through our network of independent insurance agents. Today, our geographic presence extends to 12 states and the District of Columbia; from New York to North Carolina and from Wisconsin to Tennessee. At ERIE, we adhere to disciplined underwriting, fair pricing and a prudent investment philosophy. These factors have contributed to our ability to earn consistently superior ratings in the insurance industry. The combination of a quality agency force, a commitment to customer service and the financial stability provided by Erie Insurance Group assures our customers that we’ll be there when they need us most.
Discounts:
  • Buying policies for multiple cars or bundling home and auto insurance
  • Safe driving
  • Paying for a year's insurance upfront
  • Owning a car with safety equipment, like airbags
Pros & cons
Pros:
  • Least expensive coverage in our ratings.
  • Offers true-replacement cost as standard.
  • Add-on coverage bundles.
Cons:
  • No online quotes.
  • Agent only sales model.
  • Coverage limited to 14 states.
Summary: Best Car Insurance Company Ratings

There are a variety of differences in secured and unsecured personal loans. We have listed the key differences in the comparison table below:

Company Types of discounts Collision repair grade Complaint level Rating
Geico Driver’s Education, Driver Affiliation, Good Driver, Good Student, Military, Multi-Policy, Multi-Vehicle, Vehicle Equipment, Driving History & Habits, Customer Loyalty, as well as moto discounts with considerable potential savings. C- Low
Nationwide Smart Ride Multi-Policy, Accident-Free, Anti-Theft, Safe Driver, Defensive Driving, Smart Ride, Good Student, Smart Miles, Automatic Payments, and more options for customers to decrease their premium expenses. C Very Low
Travelers Multicar, Home Ownership, Continuous, New Vehicle, Safe Driver, Good Payer, Good Student, Driver Training, Hybrid or Electric Car, Pay in Full, and other considerable discounts to reduce monthly insurance payments. C+ Very Low
USAA New Car, Military Service, Accident-Free HIstory, Good Student Grades, Multi-Car Policy, Anti-Theft, Car Storage Discount, Continuous Client Discount, and many options for considerable savings on car insurance. C+ Ok
Auto-Owners Life-Long, Multi-Policy, Clear Payment Record, Full pay, Environment-Friendly/Paper Free, Early Quote, Safe Driver, Anti-Theft, Multi-Vehicle, Deductibles Cut, Good Student/Good Driver DIscounts, and other options to cut down your monthly premiums. B+ Low
State Farm Steer Clear, Safe/Good Driver, Defensive Driving, Car Safety, Anti-Theft, Multiple-Policy, Savings Bundles, and other beneficial discount programs for smart drivers and considerable savings. C Low
Allstate Full Pay, New Car, Good Payer, Smart Student (grades must fit), Early Sign, Multiple-Policy, Safe Drivers, together with a unique eSmart discount available for reasonable vehicle owners. C- Low
Erie Deductible Decrease, First Car Accident Mercy, Multi-policy, Safe Driver, Teen Driver, College, Car Storage, and other considerable payment discounts varying in potential savings. A- Higher than the industry average
Progressive Multi-Vehicle, Multi-Policy, Safe Driver, Continuous Use, Good & Distant Student, Homeowners, Teen, as well as other beneficial discounts for Online quoting and signing. Pay in full, Automatic, and Paperless discounts are in the play. C Ok
Farmers Good Student, Multi-Vehicle, Alt Fuel, Auto-Owners/Home Owners, as well as Non-Smoker, Business Group, Professional Group, plus Multi-Line Discounts and other great options simple to apply for with a special eSignature. C Higher than the industry average
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FAQ

On average, car insurance coverage in the USA will cost you around 1500 dollars per year, which makes it about 140 dollars in monthly payments. However, the average sum can vary greatly as it depends on several key factors, such as locations, credit history, driver's rate, and more! So, the average sum is deducted for full coverage, including comprehensive, liability, and others. Your personal car insurance rates may vary, as well, depending on the company issuer's terms and conditions. Study these carefully before getting yourself vehicle insurance. A Max Auto Insurance Customer Service.

If your currently active car insurance policy is as large as to include comprehensive, Collision, and liability coverage options, be sure that it will also cover a car that you rent that can accidentally get damaged in a car crash. Nevertheless, we strongly advise you to check the car insurance policy details to be absolutely sure your rented car will be covered in case of a car incident. What is important to discover are your policy's limitations, which may vary greatly by company. Contact your insurance manager and address the question directly t them to rest assured and drive relaxed. Besides the three types of coverage mentioned above, there is the fourth one — personal injury protection, which covers expenses for medical treatment of the driver and their passengers, no matter who actually caused the accident. Amax auto insurance phone number.

Of course, in the USA, you can call off your car insurance policy. To do so, you need to get in touch with your insurance company and inform them of your decision to cancel the policy. Sure, different companies will have different terms and conditions in place, so you will have to meet them anyway. Most of them will send you to your insurance agent to discuss the issue. You can also mail or fax your cancellation application if visiting the office is not an option for you. In the end, you can have your new issuer company deal with the cancellation process. Amax auto insurance customer service.

This can be tricky: of course, it is natural to presume that car insurance should cover such things. However, the crucial thing is whether the damage to the vehicle has been caused by a situation covered in the insurance declaration. Usually, such misfortunes as fires, thefts, and other awful things are covered by most AmeriCan Insurance policies. On the other hand, there are cases when drivers will not be able to get their car repair expenses covered by their insurance company. For example, if the damage is done as a result of the machinery going out of order or simply because the vehicle is already old and breaks down rather often, the repair costs are totally on the vehicle's owner. A max auto insurance phone number.

Yes, it certainly does. The higher the credit score a person has in the USA, the lower the car insurance rate. The difference can be truly significant regardless of the State of your residence and the quality of the car insurance company you use. It is important to add that when you achieve a quote, your credit will remain intact. Overall, to determine the car insurance rate, your insurance company will assess your credit score and, based on what they find out, will set the insurance rate you fit. Bad credit score owners are destined for high insurance coverage rates. Sometimes, the amount is double the insurance rate. That is why all insurance companies have to check your credit history to get you the best options and stay in profit. A Max Auto Insurance Customer Service.

It is common knowledge that car insurance premiums might go up as a result of car accidents, with the driver's fault proved. The average increase equals 45%. If some injuries or serious private property damages have taken place, rates Can Increase even more. In a situation when all injuries to individuals and damage to property have been done by someone else's fault rather than the driver's, the rate increase is more pleasant. However, it is still usually the case. Sometimes, the difference can be really significant. Your car insurance company will still consider you a high-risk driver; therefore, your rates will be high. There are states in the USA where the rate of post-accidental increase is way bigger than anywhere else. Comprehensive coverage may make your premium go up a little, though. Amax auto insurance phone number.

Yes, in the United States, one can get vehicle insurance without actually having a driver's license. If you are about to give your car to someone else to drive, many insurance companies will want to be sure you have the license, as well as the actual driver of your car. In other situations, AmeriCan Insurance companies will ask you to enlist at least one legit and licensed driver on the insurance policy documents. The first insurance can usually be acquired via submitting the driver's license details so that the insurance company would be able to assess the driver's background and rate them. Drivers with spotless driving histories can get the opportunity to achieve the auto insurance premium. The so-called excluded drivers, on the other hand, might get rejected by insurance companies. All in all, keep in mind that unlicensed driving is illegal regardless of whether the car is insured or not. Amax auto insurance customer service.

As to the answer to this question, car insurance coverage can vary greatly depending upon your choice of the car insurance provider, your age, State of your residence, the state f the car you want to insure, and, mainly, on the type of coverage you prefer to choose for your car. There are several types of car insurance coverage: liability insurance, which is handy in case of a car accident you are to blame, and pays for repairs needed. Another type is PIP, which covers medical treatment expenses regardless of who caused the crash. There are also uninsured and underinsured types of car insurance coverage that are there to help noninsured drivers or those who don't have the required sum to pay. A max auto insurance phone number.

Some individuals can get really worried about the inability to get car insurance without having a driving license. However, there is a way: you can get your vehicle insured via a simple insurance policy application. Some insurance companies might get unamused by your driving license's absence. However, they also may offer you a liability-only insurance policy programs, which is also good. The downside is that you will not be able to get the insurer to cover any damage done to the vehicle as a result of a car accident, which is not too good. Around the USA, there are states where you need to put a legit and licensed driver on the insurance policy to get your car insured. A Max Auto Insurance Customer Service.

The average cost of car insurance may greatly vary depending on the state of residence, the credit history of the applicant, and the rate in terms of car accidents they have been in so far. However, the cost of full coverage policy is around 1600 dollars on average annually, which is about 130 dollars per month. Mind that liability, comprehensive, Collision, and other required coverages are included in the sum mentioned above. Even the car model can have a say in the calculation of the total coverage sum. Good drivers will get better conditions, as well as people with better credit histories. Amax auto insurance phone number.

What Affects Car Insurance Premium

As to the car insurance price tag, there are several factors that insurance companies base their decisions on.

Among them are the following:

  • Driving history of the car owner insured
  • Age of the driver
  • Experience in driving
  • Place of residence
  • The type of the preferred coverage option
  • The number of deductibles (if a collision or comprehensive coverage types are concerned)
  • The model of the car
  • Previous insurance record to find out if the insured missed deadlines or, vice versa, insured the vehicle with all conditions met

The insurance score depends on the credit history of the insured ( Law in such states as California, Massachusetts, Michigan, and Hawaii doesn’t allow insurance companies to calculate car insurance scores based on credit scores)

How to Get the Best Car Insurance Options Available?

First, one should make a well-thought-out decision as to what type of car insurance one requires. Having chosen the type and outlined the budget, you need to find the best car insurance you can afford. Average premiums — amounts of payments you should pay monthly or annually according to your insurance policy— vary greatly based on many factors, such as the company, their location, variety of features and discounts they offer, and more. 

To get your car insured, you should first compare the offers available and find the one that fits your plans and wallet capacity. For example, in California, quotes for a driver with a good driving record amounts to nearly 4000 dollars, while the bottom line is somewhere at 1700 dollars annually, while some other companies offer the same type of coverage for around 2300 dollars. 

In order to pick the most beneficial car insurance option, follow these simple steps:

1. Get multiple quotes

Try and test as many options as you can until you find the best-fitting one. You may bump into a really advantageous offer by getting as many quotes as possible. There is  always an opportunity to find the most well-priced car insurance offers available. You can do it on the internet online or by addressing the issue to your insurance agent— absolutely free of charge.

2. Seek discount offers

Most decent insurer companies provide multiple great discounts for various categories of drivers. Also, there are ways you can decrease the amount of premium you should pay to the insurer company.

Here are some of them:

  • You can buy an entire package of different insurance services from the same insurer. You can combine your vehicle and your household insurance policies and get a discount from the insurer.
  • What also works to bend the level of insurance costs is getting several vehicles insured with the same insurer.
References
  1. Consumer Financial Education Other Loans DFPI
    https://dfpi.ca.gov/consumer-financial-education-other-loans/
  2. Topic No 705 Installment Sales Internal Revenue Service
    https://www.irs.gov/taxtopics/tc705
  3. Loan Programs
    https://www.commerce.alaska.gov/web/ded/FIN/LoanPrograms.aspx