What do different auto insurance companies do differently?
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UPDATED: Oct 28, 2021
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- If there are several companies with acceptable price points, you should consider what else you want in an insurance company
- Smaller companies may offer you unexpected deals too, but they often don’t have websites so you may need to find them through our comparison tool
- On the other hand, larger insurance businesses have been in the business for some time
- Online insurance companies often allow you to save some money on your policy
When choosing an auto insurance company, you may find it difficult to choose between all the different options available to you. Do you go with a big name or choose a small mom-and-pop auto insurance provider?
Do you get your auto insurance directly from the source or do you do business through a broker? Do you want an insurance agent down the street or would you prefer the ease of a central office thousands of miles away?
Do you like doing all your business online, or would you prefer it by phone, mail or in person? Do you tend to buy bare-bones policies or would you prefer to get better deals on more extensive policies?
Do you buy many different insurance products and want an auto insurance policy that you can bundle with other policies? Are you someone who likes various perks and regular promotional deals, or do you want insurance that you don’t have to think about?
Sometimes it seems like there are more cheap auto insurance options to compare than there are companies to choose from.
Each company does it differently, and the only way to find out which is the right one for you is to compare policies in your price and policy detail range, then to research the narrowed-down set of choices for your area.
Our free auto insurance comparison program can assist you in this endeavor. Simply use our FREE auto insurance comparison tool to look for the best quotes and coverage by entering your ZIP code.
What to Look For in an Insurance Company
If there are several companies with acceptable price points, you should consider what else you want in an insurance company. Read on for an explanation of what different qualities mean.
Size of the Company
Think about the size you want for your insurance company. Smaller insurance companies are likely to have more of a personal relationship with clients, but they may not be as financially stable as a larger enterprise.
When you choose a smaller company you take a risk, but the reward in customer experience may be great.
Smaller companies may offer you unexpected deals too, but they often don’t have websites so you may need to find them through our comparison tool.
On the other hand, larger insurance businesses have been in the business for some time. They typically have regional or national clout, meaning that their financial stability is assured.
However, large businesses typically need to systematize operations, making some customers feel like cogs in their machine. They are less likely to be able to work with you if you can’t make your payment.
On the other hand, they may be more reliable. It all depends on your style.
Some companies offer online support almost exclusively, while others are purely by phone.
Online insurance companies often allow you to save some money on your policy, as there is less overhead employment cost, but if you aren’t computer-savvy or if you’d prefer a customer-service-oriented company, you might prefer a different insurance provider.
For cheap auto insurance comparison quotes online, use our free tool today!
We have listings for many different insurance companies, from online-only options to traditional brick-and-mortar options.
Whether you like doing your auto insurance business in person or whether you want to do it from the convenience of your home desktop or even mobile device, you can use our free comparison service to find the best deals today.
The customer service models of insurance companies differ tremendously. While some have centralized offices filled with agents reporting directly to company management, others simply sell insurance through local agents to give customers more of a down-home touch.
You may do business with a local agent with whom you can visit and who might be able to visit you in the event of an insurance emergency, or you may be speaking with an agent hundreds or thousands of miles away.
Centralized service often saves companies money, but offering a local touch may convince some insurance customers to pay a little bit extra.
Because insurance agents are paid on commission, the most well-known local service providers such as State Farm can still effectively compete with more centralized companies like eSurance or Geico.
Of course, local agents are often solely affiliated with the insurance company. If you want a local agent who offers a variety of choices and helps you choose based on current deals, you may prefer an insurance broker over a direct agent.
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Broker vs. Direct
Many highly rated auto insurance companies do not even sell insurance directly. Instead, they sell through brokers, who have a selection of insurance offerings available to customers in need of auto insurance solutions.
Insurance brokers are experts in current deals and companies in your area, and the most successful have made names for themselves that are bigger than the insurance providers whose policies they sell.
One of the advantages of an insurance broker is that he will offer an impartial eye. You can consult with a broker to choose your insurance provider and ask questions that a company agent might not be able to answer honestly.
On the other hand, insurance brokers often charge an additional fee for their services.
It may be worth it to you both financially and from a customer service perspective, as a good broker will save you money by handling your policy details for you and taking advantage of special deals of which you may not be aware.
Many auto insurance companies have different business models, and some might fit your or your family’s needs better than others.
Still other models are better suited for certain personality types and styles. Whichever you like, you will be able to find the best insurance option in your area with our FREE auto insurance comparison tool. Just enter your ZIP code and other relevant information today!