How can I find the best auto insurance company for me?

FREE Auto Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top auto insurance companies and save!

Things to Remember...
  • The investment of a little research can end up saving you a significant amount of money
  • Car insurance rates vary among drivers because a variety of different factors can affect the price you pay for coverage
  • The reality is that there is not one best-rated auto insurance company for everyone
  • However, getting the best insurance for you is not just about saving money. It’s also about getting the right level of service

Finding the right auto insurance company for you can seem like a hard task. However, the investment of a little research can end up saving you a significant amount of money.

Our  FREE car insurance comparison tool can give you reliable research when you enter your ZIP code.

Recommendations from Friends

AdobeStock_82813696-1600x1600

People often ask friends for auto insurance company research and recommendations.

Many of these recommendations can be helpful, but it’s important to listen to them with a grain of salt.

The low price your friend pays with their flawless driving record may not be achievable if you have recent accidents or tickets on your record.

Car insurance rates vary among drivers because a variety of different factors can affect the price you pay for coverage.

Still, it can be informative to talk to friends about their experiences trying to get the lowest auto insurance rates and best companies.

Even if you cannot duplicate their incredibly low rate, the service, professionalism, and accessibility of a truly knowledgeable agent may be worth the extra expense.

Many Insurance Choices

The reality is that there is not one best-rated auto insurance company for everyone.

That is actually fortunate because there are many companies out there that offer car insurance and it is an exceptionally competitive industry. This typically means that the consumer wins by receiving:

  • Personalized service
  • Lower rates
  • Increased accessibility to agents
  • Efficient claims service
  • Full-service website access

Additionally, drivers will find that they qualify for cheaper car insurance rates by being responsible road users. You will likely find that you receive lower premium quotes if you have:

  • Not recently been involved in an accident
  • Not gotten any moving violation tickets within the last three years
  • Maintained car insurance without any lapses in coverage
  • Not filed for a major car insurance claim in the last several years
  • Passed a defensive driving course

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

Other factors will also influence how much you pay for car insurance. Typically, people who are:

  • Female
  • Over the age of 25
  • Married
  • College educated
  • Good at maintaining a high credit score

tend to receive the best car insurance policy pricing. The numbers related to the above list are all based on statistical averages.

Most drivers can do little to change many of these factors, though they may find that their eligibility for great pricing improves as they grow older, graduate from college or get married.

Things You Can Do to Lower Your Rates

AdobeStock_57859029-1600x1600

Other factors that affect the cost of car insurance are within the control of the driver. Cars that are older, have a sedan body style or smaller engines are generally a little cheaper to insure.

That’s because sports and performance models usually cost more to repair or replace should they be involved in an accident.

Additionally, these sportier models tend to be involved in more incidents than the more sedate cars.

Equipping you car with a security system is another way that you can drive down the cost of insurance.

Also, choosing a higher deductible is an excellent method of reducing the cost of insurance premiums. Airbags and anti-lock brakes may also entitle you to certain insurance discounts.

If you combine multiple insurance policies with one agency, this might also provide you with substantial savings.

Great Service is Part of the Value

However, getting the best insurance for you is not just about saving money. It’s also about getting the right level of service.

A cut-rate insurance policy may look attractive from a financial viewpoint, but carefully consider what kind of service is offered by that company. If you buy that policy, will you:

  • Have access to an agent who can meet with you personally?
  • Only be able to communicate via the Internet?
  • Have difficulty getting basic policy questions answered?
  • Be able to file a claim with ease?
  • Be able to keep track of the status of a claim?
  • Have adequate coverage in the event of an accident or other event?

In the modern insurance industry, it is not uncommon to communicate with an insurance company both online and over the phone. This kind of flexibility represents the best access opportunities for the customer.

Though some people may never have to go through the process of filing a claim, it is nonetheless a good idea to take a look at a prospective insurer’s claims process before purchasing a policy.

Find the answers to a few questions to determine the right company for you.

  • Can you file a claim online?
  • Will you be assigned a member of the company’s personnel who will be your direct contact until the claim is completed?
  • How long do claims typically take to process?
  • How much paperwork is involved when filing a claim?

Finding the right balance between the cost of premiums and adequate customer service is usually the best way to find the number one insurance company for you.

Our FREE auto insurance comparison tool can help you find the best company for you when you enter your ZIP code!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]