Where can I find a quality auto insurance company?

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Things to Remember...
  • Finding a quality auto insurance company takes doing a little bit of research and determining the best kind of insurance for your needs
  • Make sure you check out company reviews online for each company that you are considering
  • Largef numbers of complaints should be a warning sign that the company is not the quality auto insurance company you are seeking
  • When getting different quotes make sure you are getting the quotes for the type of coverage you need

Auto insurance is extremely important. If you get in an accident it can be financially devastating if you do not have a good quality insurance company on your side.

Finding a quality auto insurance company takes doing a little bit of research and determining the best kind of insurance for your needs.

Enter your ZIP code into our FREE auto insurance comparison tool to research rates for you now.

Qualities to Look for in an Insurance Company

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There are literally thousands of insurance companies to choose from when you are looking for auto insurance.

However, just because a company offers you a low rate on your premiums does not mean they are a quality company that will give you protection if you get in an accident. When looking for car insurance, you should take more than price into consideration.

A quality auto insurance company will pay claims quickly and provide you with immediate solutions if you are in an accident.

They will have a network of mechanics and auto body shops that they work with regularly and can refer you to if you are in an accident. They also have customer service agents available around the clock and answer your questions quickly and efficiently.

Basic Questions Before Purchasing Auto Insurance

  • How can you reach customer service if you have a question or an accident? Be wary if the only way to contact an insurance company is through their website and by sending them an email. Knowing what to ask when calling an auto insurance company is extremely important.
  • What happens to your policy if you have an accident? Unfortunately, it is not uncommon for cut-rate insurance companies to drop customers when they have an accident. Alternatively, you may find your rates suddenly increase dramatically if you have an accident or get a ticket.
  • What is the average amount of time it takes to process and pay claims? Larger insurance companies have their claims process automated and body shops and mechanics can submit estimates and bills directly to those companies online. Smaller insurance companies require an adjuster to come out and examine the car and talk to the body shop, resulting in longer claims processing times. Be wary of insurance companies that have very long claims processing times.

Independent Insurance Rating Companies

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Another source of information about quality insurance companies is independent insurance rating companies.

These companies provide ratings for auto insurance companies that work based on independent assessments of financial health.

The most popular independent rating companies are Standard and Poor’s, AM Best, Weiss Ratings and Fitch Ratings.

Online Research

You can also conduct your own research online. If you have an insurance company in mind, simply use a search engine and type in the name of the insurance company and some of the following keywords:

  • Claims denied
  • Bad faith
  • Insurance fraud
  • Complaints
  • Rating
  • Testimonials
  • Customer service
  • Reviews
  • Consumer report

By conducting this kind of search, you will find articles regarding the insurance company and get a good idea of their reputation and any complaints against them.

Large numbers of complaints should be a warning sign that the company is not the quality auto insurance company you are seeking.

You can also look on the Better Business Bureau website to find out if an auto insurance company is certified by the BBB and if there are complaints against them. While a few complaints are not necessarily a problem, a large number of ongoing complaints could indicate an issue.

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Auto Insurance Comparison Websites

Once you know what to look for to determine a quality car insurance company, then you are ready to begin trying to find who really has the cheapest auto insurance. You can find good insurance companies from a number of sources.

Insurance comparison websites can a be a good source to find auto insurance companies.

The advantage of going through an insurance comparison website is that usually you only need to enter your information one time and you will receive quotes from a number of insurance companies.

You may need to enter contact information, such as a telephone number or email address so that insurance company representatives can contact you.

You may be provided with basic rate quote information online, but most often, insurance company representatives will want to speak with you directly to find out further details and ensure that you receive the best insurance coverage for your needs.

Independent Auto Insurance Brokers

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Another source is independent insurance brokers. Many independent insurance brokers represent numerous insurance companies. This allows them to do the footwork for you and compare insurance premium rates based on your needs.

For many people, the personalized service that an independent insurance broker offers is a great benefit.

Usually, a broker will take the time to learn about you and your situation and can offer helpful suggestions to keep your rates low.

Additionally, it is very common for independent brokers to review your coverage when it comes up for renewal to make sure you are getting the best coverage at the best rates.

You can also go directly to an auto insurance company yourself and find out about what types of insurance coverage they offer. Most large insurance companies have websites that describe their coverage and provide you with a quote. They may also offer resources to talk with one of their local agent-brokers.

Finding a quality auto insurance company is often about making informed choices. Although it can be tempting to only look for the lowest premiums, it may not necessarily be the best choice for auto insurance.

For the best auto insurance coverage, you want a car insurance company that pays claims quickly and efficiently. Enter your ZIP code into our FREE auto insurance comparison tool to see what auto insurance companies are ready to offer you!

 

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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