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How to Pick a Good Car Insurance Company

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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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. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
Licensed Auto Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/insproviders-live/ca745a12-daniel-walker.png

UPDATED: Mar 19, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The lowdown...
  • Choosing the right auto insurance company is critical in order to receive the best service
  • Acquiring quality auto insurance at an affordable price must be a consumer’s top priority
  • Deals, discounts, and special promotions help with acquiring good rates
  • Customers should perform research into several insurance providers to determine the companies’ ratings
  • Periodic comparison shopping further assists the cause of accessing quality insurance

Choosing auto insurance involves more than simply purchasing a policy at random and accessing whatever protections the policy affords. Buying auto insurance entails entering into a contractual agreement with a particular insurance company.

Signing a deal with a quality insurance company is critical to a long and financially beneficial relationship.

No customer wishes to have trouble when the time comes to file a claim. Such an assessment becomes doubly true after paying premiums year after year and doing so on time.

Issues with procuring insurance money to pay for fender benders or scratches on a car can be annoying, but these instances are minor in comparison to major liability claims.

Few wish to envision scenarios in which their negligence led to someone being hurt so badly the resultant costs are in the hundreds of thousands of dollars.

Hopefully, the day never comes when the insured customer finds him/herself in such serious legal peril. Paying for a solid insurance policy from a reliable, reputable insurance company puts the mind at ease over financial perils.

Find the coverage you need for a fair price. You could save hundreds of dollars on car insurance after performing a simple price comparison. Enter your zip code above to compare for free.

Peace of mind hinges on choosing a good auto insurance company. Following a few wise consumer steps helps the cause of determining just how good an insurance provider is.

How do you define good?

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“Good” is not exactly the most descriptive word. “Good insurance” embodies numerous meanings for a variety of customers.

A high-risk driver such as someone previously convicted of multiple DUIs would likely be happy to find an insurance company willing to even provide insurance.

Each customer’s situation is unique. Ultimately, all customers do need to perform careful comparison shopping in order to locate quality insurance that meets the customer’s various requirements.

The Top-Rated Insurer

Good insurance companies cannot hide and neither can the less-than-perfect ones. The reputation of an insurance company becomes very easy to track down in the internet age.

Established rating services also reveal facts about an insurance company that help guide consumer decisions.

The customer would benefit from an insurance company that offers quality “service, reputation, and agent access.”

Consumer Reports and other established, credible companies — like A.M. Best and J.D. Power — examine insurance companies from a number of perspectives and criteria, all of which could help you in choosing the best company for your needs.

Reviews written by customers are published all over the internet as well.

Not all consumer reviews reflect expertly written prose, but the content does provide insights worth skimming. Checking out what other customers reported combined with cross-referencing legitimate rating services should be a great place for you to start.

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What does the insurance company offer?

An insurance company benefits customers by offering them the necessary insurance at affordable rates. This would include a wide variety of different insurance coverage options. The common types of insurance coverage people seek include:

  • Liability
  • Personal Injury Protection
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motorist
  • Mechanical Breakdown

In 48 states, auto insurance is mandatory. Certain states are at-fault states and others are no-fault states. The no-fault states may mandate personal injury protection coverage.

Very few drivers would risk traveling out on the road without the necessary auto liability coverage in place.

Can the insurance provider deliver on acceptable amounts of personal injury protection and/or auto liability coverage at reasonable price rates. For many customers, the providers need to do so to maintain any credibility.

The customer may also find the various additional types of coverage to be necessary. Of course, as more coverage collects on the policy, the higher the premiums become. Do the premiums prices need to be stratospheric?

A good insurance company would attempt to cut the costs of such a policy by offering means of saving money.

Effective Cost Cutting Deals

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Customers interested in more affordable auto insurance should look closely at the discounts insurance providers make available. One very common discount entails bundling various different insurance policies together.

Multiple car discounts are easy options to take advantage of provided the discounts are offered. A household with more than one car can simply work with a single insurance company to achieve a discount in the form of a package deal.

Packaged bundles extend beyond strictly auto insurance. Major insurance companies likely offer different types of insurance. Choosing to buy homeowner’s, auto, and umbrella coverage insurance from the same provider may lead to a discount as well.

Speaking of discounts, there are usually special options available for those qualified to take advantage of. These would include the following discounts and more:

  • Defensive Driver
  • Good Student
  • Long-time Customer
  • Veteran or Government Worker
  • Good Driver

Looking at all the available discounts associated with the various insurance providers should contribute to making a decision about what insurance company to go with.

Payment Options Available

Failure to pay an insurance premium on time or within an established grace period could lead to a policy being canceled. Paying by the due date is, of course, the customer’s responsibility but the insurance company should make things as easy as possible to deliver funds.

A decent selection of available payment methods should not be overlooked.

Sometimes, sending funds via a preferred payment method is not always possible. Problems do arise that can impede the normal performance of financial responsibilities.

The ability to make alternative payments affords a customer additional means of directing a payment towards where it needs to go.

What about the current policy?

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The time to search for a new, better insurance company is not just when buying insurance for the first time or even after a long-time insurance provider has done something disagreeable.

Every six months or so, it would not hurt to review about three or four auto insurance quotes. This action may lead to finding a more appropriate insurance policy from a much better insurance company. Compare today by entering your zip code below.

References:
  1. http://money.usnews.com/money/personal-finance/articles/2013/10/04/decoding-the-mysteries-of-high-risk-car-insurance
  2. http://www.consumerreports.org/cro/car-insurance/buying-guide
  3. https://en.wikipedia.org/wiki/Personal_injury_protection#Auto_insurance
  4. http://www.investopedia.com/articles/insurance/09/bundle-insurance.asp
  5. https://www.forbes.com/sites/laurashin/2015/01/09/you-can-save-hundreds-on-car-insurance-but-is-it-a-good-idea/

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