With so many drivers on the road, you can bet there are just as many opinions about which auto insurance company is the best. In order for you to find the top insurer, you must be willing to match your needs and wants to the company that provides those things to you. Not every insurer is going to please you, so you’ve got to find the companies that will. It is tempting to use your best friend’s insurer because of their positive experience, but keep in mind they might not be your best fit. To find your best fit for an auto insurance provider, construct your own list of the top 10 insurers and narrow it down to the best pick. You are sure to find the best provider for your situation. We’ll show you how to build your own top 10 list to choose from.
Get Local Rates
Motorists should know Online Auto Insurance has a quote comparison tool that allows for any driver to collect quotes from local insurers. It’s so easy and fast! There is no need to contact every insurer around, simply fill out our questionnaire and we’ll do the collecting. When the questions have been answered and submitted, we’ll provide you with the list of rates and provider names. Our side by side format makes it easy to locate the cheapest price.
Customer Service Rankings
Customer service should be a priority when choosing a car insurance provider. For instance, the ability an insurer or representative has in helping their customer file a claim or answer a question is important because it eliminates added stress in what could be a stressful situation. Also included is not just talking with the insurer, but knowing how they allow customers to pay their bill or renew their policy. Is their website easily navigated? Is the phone answered within the first couple rings? To find out what other people think of insurers, ask them and note their responses and experiences. You can also check with JP Power’s website and find their annual rankings on insurer’s customer service abilities.
Financial Strength
To avoid choosing an insurer who will go bankrupt soon, check out their financial strength. Although they are under contract to pay for claims under their terms, they will not be able to do so if they do not have the money available. If you are familiar with their financial strength you can know beforehand if they are strong or vulnerable to failing. Websites like ambest.com evaluate an insurer’s financial strength and announce it on their public findings.
Size Of The Company
Another thing to consider when making a top 10 list is the size of the company. Perhaps it doesn’t matter to you whether or not they serve 500 people or 100,000 people, but to some people this is important. Can a large, national chain serve you the way a small local company would? Considering the pros and cons of this choice in detail can help prevent a future headache.
Varieties Of Coverage
Do you know what coverage you want or need? Assess your insurance needs and wants, and match those to what is provided by insurers. Do you need GAP insurance or rental car insurance on your policy? Are you looking for full coverage? Make sure the insurers you are considering carry the coverage you need on your policy. Most insurers will carry the same types, but some may not and others may have a lower limit than can be purchased than other companies.
Discounts
Discounts are a great way to get your rates even lower, but they’re only great if the insurer offers them. There are a wide variety of discounts that are offered and the best way to save with discounts is to get as many of them as possible. They range from good student discount to senior citizen discount to vehicle safety features discount. Ask the insurer what types they offer to find out who offers the most discounts applicable to you and your policy members.
Once you have the answers to all of these categories plus any additional categories you feel important, begin constructing your list of top 10 insurers (if you only have 8, that will work too). First, rank your categories as the most important category to you being number one and so on. You should make the number one category be the one thing that is most important to you in a provider. It could be the price is the most important or their ability to provide great customer service. Second, rank the companies in each category from best provider at the number one slot all the way down through your tenth choice for that category. After you have done both of these steps, combine the two rankings and design your top 10 list. You may discover that a few of the companies make your top first, second, third or fourth choice repeatedly. They will probably be one of your number one picks in the end.
When you have created your list and made your choice, you can then purchase a policy from them. Although there is no guarantee that any of these companies will provide you with an error free experience (to err is human…), choosing an insurer from your own top 10 list will increase your chances of having an excellent experience with your car insurance provider. You should be paying a price that is in your price range, getting the coverage you both need and want, and any interactions with the company should be pleasant. After all, you decide who you want as your insurer. These things don’t always get assigned to you, unless you are a high risk driver and your insurance provider choices have been limited.
Picking the top 10 insurance companies is a simple process when you use Online Auto Insurance as your guide. In addition to this article, we have many more that can help every driver understand more about insuring a vehicle and finding ways to save money on the policy.
