OK, so the words “cool” and “insurance” don’t typically go hand in hand, but some of the nation’s top providers are proving that insurance can be cool, too. Practically all of the top insurance providers now have a mobile app for policyholders, and they have a big incentive to attract more users. Mobile apps make filing claims a breeze, which provides a better customer experience. From a cost standpoint, mobile apps can save companies money by improving the overall process.

You may be asking yourself, what could I possibly use an insurance app for? Chances are you won’t be using it to pay a bill since most people use the automatic payment option. And how often are you really going to tweak your coverage? Will you even remember you downloaded the app?

Claims are one area that an insurance app could greatly be of service. In fact, smartphone users can do almost all of the claims process right from their app. You can also use your phone to take pictures and shoot video right at the accident site, which can have a dramatic impact on claims management and fraud protection. Some insurance apps could even help score you discounts on your policy.

Here are some of the insurance industry’s coolest mobile apps:

1. GEICO App

GEICO’s mobile app is one the most visible mobile insurance apps out there. The app is sleek and user-friendly. You can even customize the background to feature the famous Gecko, Maxwell the Pig, or the GEICO logo. With GEICO’s app you can:

• Access digital ID cards
• Manage your policy
• Chat with Lily – “your insurance voice assistance” (maybe she’s related to Siri?)
• Access GEICO’s Accident Guide to help you record accident details and file a claim.

2. MetLife Infinity App

The MetLife Infinity app allows users to create a digital legacy for family members and friends. You can create collections of photos, videos, and documents. These can be shared now or saved for a future date.

3. GoodRide® by Allstate

This app is designed specifically with motorcycle riders in mind. GoodRide by Allstate helps riders track their route, time and mileage for each ride. It also helps you prepare for trips so you can scout out gas ahead of time and check local weather. Allstate says on its website that the GoodRide app will soon feature a maintenance log so riders can keep track of every oil change and flat tire. You will even be able to set alarms for when service is due.