1. What's the company's rating? Unless you do NOT ever intend to make a claim even if you need it, you'll need an insurer that will treat your claims promptly. Some companies that offer rates that are too low sometimes have unimaginable hurdles you must cross before you can get your compensation.
Are their policyholders complaining? How quickly do they resolve complaints filed? Don't buy from an insurer who does NOT show enough commitment to it's insurers. Check with BBB (Better Business Bureau) and your state's department of insurance.
And to avoid been a victim of insurance fraud, ensure you're buying from a licensed insurance company. Every state deparment of insurance has a record of every insurer that is licensed to sell auto insurance in the state.
2. Does your super-low quote come with super-high deductibles? An insurer could give very low quotes and then place very high deductibles on the policy. This is neither good nor bad. It all depends on what your auto insurance needs are. Just make sure you get what serves your best interest.
3. What's their forgiveness period? Traffic violations and accidents are usually cleared off a policyholder's record after a given number of years. What's it for this insurer. This should be of particular interest to you if you don't have a very great driving record.
If, after checking for these things, you are satisfied then you can go ahead with the offer. There are many other reasons (good reasons) why an insurer's rate could be far lower than industry average.
Also, do your best to read through your policy details and have all your questions answered before you buy.
Now is time to put what you've learnt into practice and save yourself hundreds or, maybe, a few thousand dollars. Obtain auto insurance quotes from these reputable sites.
