Driving without an insurance cover is illegal. Furthermore, if you are ever involved in an accident, you could end up paying more than you would have if you have an insurance cover. If you are reading this, then you definitely want to make the right choice in your selection of the auto insurance you wish to purchase. So how to do you choose the best auto insurance?
You will agree that one of the most important factors to consider is the company that will handle your car insurance investment. Is it a trustworthy company that will pay out on time and in full? One of the ways you gather this information is look at your states department of insurance website. Here you will find published the consumer complaint ratios for all your states insurance companies. This will help you see the ratios of complaints a car insurance company has per 1,000 claims filed. This screening allows you to select the best auto insurance company that you feel safe in their hands.
Consider also the premium quotes. Jot down the companies with the lowest complaint ratios and have the lowest premium quotes. The company that ranks highest merit consideration as the best auto insurance company. Keep in mind however that company practices can vary from state to state, sometimes significantly. However, if lots of complaints are received from several states, you are probably better off not having your insurance handled by that company.
Another good way of identifying a reliable if not the best auto insurance company is to find out what insurers body shops recommend. Body shops have a distinctive perspective since they interact regularly with the insurance adjusters. They know the companies that are difficult to work with and those that have smooth claim processes. They also know the companies that push aftermarket parts in lieu of genuine manufacturer equipment parts to cut costs. This can help in determining the best auto insurance companies to root for.
If after all this you find that you cannot determine the best auto insurance company, consider working with an independent agent. These brokers usually represent several companies and will give you what will make you happy based on your situation. Upon coming to an agreement, do not forget to have it down in writing before the purchase. By following at least one of these suggestions you will find it much easier in determining a reliable and hopefully the best auto insurance company.
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