Are discount car insurance companies trustworthy?

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Things to Remember...
  • Discount auto insurance companies can provide adequate, reliable coverage
  • Research any potential car insurance provider before purchasing a policy
  • Use a car insurance agent to help find a reputable insurance company

Are discount auto insurance companies trustworthy? The answer to this age-old question is a tough one to answer with a simple yes or no.

Simply put, each auto insurance company is different.

One discount auto insurance company may be trustworthy while another is not.

But you don’t have to guess when trying to determine the best auto insurance company to with. You can do a number of things that will increase your odds of finding a good one.

Start by entering your ZIP code into our FREE auto insurance comparison tool to compare cheap rates from trustworthy companies!

Research Car Insurance Providers

The most important thing you can do before signing up with any auto insurance company is to research that company fully.

One of the fastest ways to do this is by checking their ratings on several different rating agencies websites.

Agencies such as A.M. Best, J.D. Power and Associates, and Moody’s Investor’s Service rate auto insurance agencies big and small to determine which ones offer the best services and which ones you should avoid.

Of course, the pricier insurance firms usually end up on the top, but discount insurance companies will also be rated on these sites.

As a matter of fact, if the insurance company you are looking to go with isn’t listed on one of these sites, it might be a wise decision to avoid them altogether.

Be sure to choose from highly rated auto insurance companies before you buy.

You can also check with the Better Business Bureau. Obviously, a company with a failing BBB grade should be avoided; don’t take it for granted that a company with a good rating is foolproof.

Consumer rating agencies such as Angie’s List can also be invaluable when it comes to getting the low down on a particular discount insurance agency.

Customer reviews on sites such as Angie’s List have a membership fee, but the information is well worth the price you will pay.

The information will contain both positive and negative information regarding experiences that customers have had with the company you are looking to contract with.

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Get Quotes

Another way to make sure that you are getting an insurance policy from a trustworthy source is to get quotes from a wide variety of insurance companies.

Get free cheap auto insurance quotes as well as quotes from their pricier, name brand counterparts. Make sure that each quote is exactly the same in terms of coverage and deductible.

Always ask the more expensive insurer if they are willing to price match.

Usually, they will bring the price of a more expensive policy in line with a discount auto insurance policy, allowing you to find discount auto insurance pricing while keeping your business with a reputable company.

In most cases, insurance companies will not directly price-match their policies with those of a competitor; however, many may be willing to lower their prices in order to gain a new customer.

Your overall premium cost will be determined by your driving history, credit history, age, and other factors, but you may be able to influence those costs by comparing and offering price quotes from other companies.

Work Through an Insurance Agent

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There are many trustworthy auto insurance companies that are largely unknown to the general public.

The main reason for this is that they control costs by choosing to refrain from large-scale advertising.

Working through an insurance agent in order to find the best insurer at the best price is a great way to get quotes from otherwise invisible insurance companies.

Thoroughly research any insurance company you are thinking about using in order to determine the level of customer satisfaction they offer, whether or not their pricing structure is competitive, and how easy their claims service is to use.

Enter your ZIP code into our FREE comparison tool to get cheap quotes from reliable car insurance companies right away.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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