Everyone who drives a car needs to purchase an auto insurance. To choose the best auto insurance does not only means to get the lowest insurance rate as possible, but also means you can get quality customer service and other extras and benefits. Here we listed top 10 most important tips for you to choose the best auto insurance company.
1.Collect a list for names of auto insurance companies.
The very first thing you are going to do is to gather information of auto insurance company and make list contains at least five to seven companies. Take a close look at their car insurance offer on each company’s website. By doing this, you can compare what a company is offering and how can it compete with other ones.
2.Look for others’ recommendations.
You can talk with your family members or close friends to figure out their insurer and whether they are satisfied with their current insurer. Another good approach is to take a small talk with auto repair service people in body shops. The experts there have an interesting perspective concerning how easily it is to work with a particular auto insurance company.
3.It’s time to do some research.
Since you already have several potential choices on a list and some recommendations from others, now it’s time to do some research. Search for the reviews and comments online to find out some different facts about how each insurance company operates. Compare the facts and you can come up some qualified car insurance company in your mind.
4.Take a close look at the insurance cost.
You can write down all the information for your vehicle that is going to be insured. Please make sure you are providing the exact same information to different insurance companies. Also remember to include all the potential drivers and do not vary your answer to the questions, for example, your estimated mileage, where you park your vehicle at night, etc., from different companies. Then you will be able to compare the premium cost from one company to another.
5.Check out the possibility of applicable discount.
Sometimes the discounts are not always there in the policy if you don’t ask for them. So don’t forget to request the insurance company if there is applicable discount, for example, good student discount, discount for seniors, and discount for those who has clear driving record and pass the safety driving course, etc.
6.Quality of customer service is another important factor.
Actually the quality of customer service is the second important factor to look at in addition to the cost. The customer service quality directly decides how difficult it is to deal with when you have car accidents. Will it be easy to get your vehicle inspected? What service will the company provide? Is there local insurance agent available to help you with your request? All these abovementioned questions should be well addressed before you decide which company to choose.
7.What are the payment options for the company?
You should also take a look at a company’s payment options. What choices do you have when you are going to pay your auto insurance policy? Is there any applicable fees when you decide to pay by month? How does they deal with the payment plans? This is not that important than the previous factors, but you should also think a little about that.
8.Check the company’s credentials.
The best way to do this is to find useful information on www.ambest.com, which offers a rating on the financial stability of different insurance companies. You can also visit http://www.standardandpoors.com/home/en/us/ to check the company ratings. Your state’s Department of Insurance is also a good place to find out about a company’s complaint record and any other issues in your state.
9.Compare the information and make a final decision.
Please don’t rush to the judgment and get lost only focusing on the cost. The last thing you need to do is to compare all the available information again and decide based on your personal preference. There is no such an absolute correct choice, but with the tips we prepared for you, I believe you can find your best auto insurance company.
*Image source: http://www.autoinsurance.org/what-auto-insurance-company-statistics-can-help-me-choose/.