Auto Insurance Companies That Don’t Use CCC Actual Cash Value (2022)

It can be very difficult to find auto insurance quotes from auto insurance companies that don't use CCC actual cash value as CCC Information Services Inc.seemingly has a stranglehold on the insurance industry. Insurance companies that use CCC tend to offer unfair settlements to their drivers who have suffered a total loss; however, auto insurance companies don't use CCC actual cash value like The General and SafeAuto and offer rates starting at $99/month.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 28, 2021

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A Concise Overview

  • It is extremely difficult to find insurance companies that don’t use CCC Information Services
  • CCC cash value estimates are often skewed by including low priced outliers
  • Drivers can fight back against unfair settlement offers

Whether you’ve cruised dealership lots while on the hunt for a family car or a Dodge Challenger, there’s a good chance that you’ve utilized Kelley Blue Book, a reputable and well-known resource, to determine what a fair value would be for the vehicle that you have your eye on.

But have you ever thought, “What value do insurance companies use to total a car?”

Unfortunately, if you’re ever in an accident, your insurance company will most likely not use Kelley Blue Book but the CCC car value estimator to find your vehicle’s value and how much they should offer you for a totaled vehicle.

This value estimator is property of CCC Information Services Inc. which turns a profit by creating reports on vehicle values to most of the big names in the insurance industry.

You should be aware that this company is known for calculating really low vehicle values for their insurance company clients, leaving drivers with the short end of the stick, and it can be rather difficult to find affordable auto insurance companies that don’t use CCC actual cash value.

Why do insurance companies use CCC Information Services? Well, these companies have realized that when it comes to using CCC car value vs. Blue Book for car value reports, they can save money by using CCC.

But of course, while you should get a fair offer from your insurance company to replace a total loss, the chances of receiving a low-ball offer are high in this day and age.

Of course, there are ways to avoid being cheated out of a decent offer by a CCC car value estimator. Keep reading to learn more.

If you’re eager to compare auto insurance quotes from auto insurance companies that don’t use CCC actual cash value, you don’t have to wait. Enter your ZIP code above to get quotes from auto insurance companies that don’t use CCC actual cash value near you.

Which auto insurance companies don’t use CCC actual cash value?

The chances that you’ll be able to buy auto insurance from auto insurance with auto insurance companies that don’t use CCC actual cash value are low.

However, if you can work with an insurance company that uses its own valuation system to calculate your car’s worth, you’ll be able to rest easy knowing that you have a better chance at an adequate offer if you ever experience a total loss.

Here you can find two insurance companies that do not use CCC services but their own systems instead to find your car’s value:

  • SafeAuto
  • The General

The evidence shows that CCC is extremely popular with most insurance companies; however, you may be excited to learn that drivers with The General only pay $99 per month on average and that SafeAuto’s average rates are $156 per month.

If you are determined to avoid working with a company that employs CCC actual cash value, you can always shop for insurance online to find independent insurance agencies near you.

Which auto insurance companies utilize CCC Information Services?

Since CCC Information Services is utilized by so many major companies, you may find yourself forced to consider the auto insurance rates of auto insurance companies that do use CCC actual cash value.

Knowledge is power so take a look at this list of auto insurance companies that do use CCC actual cash value so you can be prepared in the event of an accident:

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

The companies on this list are all giants in their field and while they can offer competitive rates, they may fail to provide you with a reasonable initial offer if you suffer a total loss.

If you own a newer vehicle or own a classic car and need an auto insurance company, auto insurance companies that don’t use CCC actual cash value may be the best fit for you. Of course, be sure to get multiple auto insurance quotes so you know that you’re getting the best deal

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How does CCC Information Services determine the value of a vehicle?

If you were in an accident and discovered that the cost to repair your car exceeds the value of your car, that means you have suffered a total loss.

When such a situation occurs, insurance companies and drivers generally have no issue agreeing when determining if a car is totaled, but then that’s when the trouble starts.

A driver who has suffered a total loss is entitled to receive monies from their insurance company to replace that loss; however, if your insurance company uses CCC actual cash value, you won’t receive a fair offer right away.

You see, CCC has an internal valuation method that, rather than appraising the car in question directly, will use a rather convoluted formula to determine your car’s value.

CCC will sniff out a multitude of vehicles that match your car’s make, model, and year but will exclude any that were, as determined by CCC, oversold. Then, the average of all of that information is concluded to be the value of your vehicle.

This results in low, unfair offers for many drivers.

Can drivers dispute an unreasonable auto insurance settlement offer?

If you think you’re being given a low-ball offer by your insurance company, feel free to fight it, especially if you know that your company used CCC actual cash value to determine the offer amount.

You wouldn’t be the first to do so because, as reported by WBUR News, even the Massachusetts Division of Insurance has begun looking into CCC after drivers alleged that they were facing immense financial losses due to the company’s valuation method.

If you want to push back against an unfair settlement offer, here are some steps you can take:

  • Refuse the first offer
  • Ask all the valuation documents
  • Examine the cars used in the valuations to verify that no low priced outliers have skewed the calculation
  • Request that your car, especially if you made improvements to it, be used in the valuations process

Auto Insurance Companies That Don’t Use CCC Actual Cash Value: The Bottom Line

To be forewarned is to be forearmed, and even if you can’t find an insurance company that doesn’t use CCC actual cash value, with this information in hand, you’ll be prepared to get the settlement you deserve if your vehicle is ever totaled.

That being said, if you can find a company that doesn’t use CCC actual cash value, you may be able to save yourself a headache down the road.

Enter your ZIP code to get free insurance quotes from auto insurance companies that don’t use CCC actual cash value.

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