Best Auto Insurance Companies That Don’t Use CCC Actual Cash Value

Insurance companies have found that using CCC’s car value reports can save them money. Check with an insurance company to be sure they don’t use CCC to determine your car’s value.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 21, 2022

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Things to Remember

  • CCC Information Services works with many major insurance companies to provide valuations for totaled vehicles
  • CCC cash value estimates are often low due to its internal valuation method
  • Shopping online can help drivers find local, independent agencies that don’t use CCC Information Services

 

When you were first shopping for the safest family cars, you may have used a resource like Kelley Blue Book to ascertain the value of the vehicles you were interested in. However, after an accident, your insurance company will use another system to estimate the value of your car. 

CCC Information Services Inc. is a company that provides reports on vehicle values to many major insurance companies. Unfortunately, this company usually calculates low ball offers for their insurance company clients, leaving drivers with the short end of the stick.

Most insurance companies have found that when it comes to using CCC’s car value reports vs. Kelley Blue Book, CCC can save them money. 

If your insurance company declared your vehicle a total loss, you should hopefully receive a fair offer. Still, auto insurance companies that don’t use CCC’s actual cash value are few and far between. 

Don’t be cheated out of a fair offer for your totaled vehicle by a CCC car value estimator. The more information you have on how to combat an unfair offer, the sooner you’ll be able to receive the settlement you deserve. Keep reading to learn more.

What are the best auto insurance companies that don’t use CCC’s actual cash value?

While it may be difficult to find auto insurance companies that don’t use CCC’s actual cash value, working with such a company could give you some peace of mind knowing that you’re more likely to get a fair offer for a totaled vehicle.

The following two car insurance companies do not use CCC’s services:

  • The General
  • SafeAuto

As you can see, CCC has quite a hold on the insurance market.

To increase your chances of avoiding a company that uses CCC’s actual cash value, shop online to find local, independent insurance agencies in your area.

You can also ask a prospective insurance company if they use CCC and how they evaluate claims.

Which auto insurance companies use CCC Information Services?

Finding auto insurance companies that don’t use CCC’s actual cash value could be difficult. CCC has a tight grip on quite a few major insurance companies.

Here are just a few of the auto insurance companies that use CCC’s actual cash value:

  • Nationwide
  • GEICO
  • Allstate
  • Commerce
  • Amica
  • Liberty Mutual
  • Farmers
  • USAA

While most of these larger auto insurance companies offer competitive rates, they may not offer you fair compensation if you total your vehicle in an accident.

If you drive a newer or classic car, you may want to shop for quotes from smaller car insurance companies that don’t use CCC’s actual cash values.

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How does CCC Information Services value your vehicle?

Insurance companies use certain criteria to estimate the value of a totaled car. Typically, if the cost to repair your vehicle is more than the cost of the car itself, or if the vehicle is unsafe to drive, your vehicle is considered totaled.

With these parameters, drivers and insurance companies can usually agree when a vehicle is totaled. But what insurance issues are there when a car is totaled?

Receiving an accurate settlement for your totaled vehicle is when things can get tricky, especially if you unwittingly decided to buy insurance from an auto insurance company that uses CCC’s actual cash value.

How do insurance adjusters determine the value of a vehicle? CCC uses an internal valuation method that doesn’t appraise your car but instead appraises a mythical vehicle. 

First, CCC assesses the condition of your vehicle. However, the appraisal is subjective and may vary between appraisers.

Next, CCC compares your car to others like it. Instead of just finding three other vehicles that are comparable to yours, CCC gathers information on as many cars that are the same year, make, and model as it can. 

Finally, CCC looks at the price of similar vehicles. But the company asks sellers what the lowest price is the they would take for the car. That price is then used to help determine your insurance payout instead of using fair market value. 

Then, after discarding any vehicles that CCC has determined were oversold, an average is run to determine the cash value of your vehicle.

However, most buyers won’t be able to replace their vehicle for the lowest price a seller is willing to take. As a result, many drivers won’t get enough insurance money to replace their totaled vehicle.

Can I dispute an unfair auto insurance settlement offer?

With CCC, insurance companies have a way to save money on totaled vehicles. However, the actual cash value offered by CCC may not be fair.

If you have an insurance policy with any company that uses CCC’s actual cash value and you think you were offered an unfair settlement for your totaled vehicle, you should not be afraid to fight it.

According to WBUR News, the Massachusetts Division of Insurance began investigating CCC after allegations that drivers were facing intense financial losses due to their valuation method.

You can take these steps to fight for the settlement you deserve:

  • Reject the first offer.
  • Request all the valuation documents.
  • Study the vehicles used in the valuations to ensure there are no low-priced outliers.
  • Demand that your vehicle is used in the valuations process, especially if you improved the car after purchasing it.

You can negotiate with your insurance company to get a fair settlement. However, remember that cars rapidly depreciate, so you probably won’t get a large enough payout to replace your vehicle without out-of-pocket expenses.

What You Need to Know about Auto Insurance Companies That Don’t Use CCC’s Actual Cash Value

Now that you’re armed with the knowledge of how many major insurance companies value totaled vehicles, you’ll be able to fight back against an unfair settlement offer. 

Most large auto insurance companies use CCC to determine the value of your totaled car, but the price is seldom fair. This is because CCC uses several different methods that lower the value of your vehicle significantly.

If you receive a low offer for your totaled car, try negotiating with your insurance company. You may be able to get a better offer.

If you’d like to avoid dealing with CCC’s cash value estimator altogether, look for auto insurance quotes from local companies that don’t use CCC Information Services. 

Check with an insurance company before you sign up for coverage to be sure they don’t use CCC to determine your car’s value.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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