Finding Quality Car Insurance

Finding quality car insurance can be difficult if you do not know where to look. Quality can be in the form of good and friendly customer service with low hold times, fast and complete claims assistance, accurate and timely billing, and good stability (financial strength).

The average consumer will often base the quality of a car insurance company on the brand. This can turn out to be deceiving because advertising dollars to not buy a company quality.

There are many quality auto insurance companies that do not advertise because they rely on brokers to deliver their products. Shopping only by brand can lead you to exclude some companies out there which have not established a brand but have great rates and superior customer service, claims assistance and financial strength. The best way of finding a quality car insurance company is to use the tools provided in this article and leverage your new knowledge when searching for the right carrier.

Quality Car Insurance Checklist

1. Determine the customer service quality and hold times by picking up the phone and calling customer service as if you were already a customer and wanted to ask a question on your policy. Be reasonable. A company does not necessarily have bad service if they do not answer right a way. If it takes within the range of two minutes, that not bad. Keep in mind that some carriers out there will take up to half an hour to answer the phone. When they do answer, kindly let them know you want to be a customer of theirs but you want to know if they have a grace period for paying your payments late. That’s always good to know too.
2. To determine if your company has quality claims assistance, ask a friend who had this company before and have them tell you about their claims experience. If you do not know anyone with that experience, you can visit your state’s department of insurance to check if a particular company has an extensive complaint record. Of course an extensive complaint record will mean that not too many customers turn out satisfied. Make sure the company you’re dealing with is based in the United States and not overseas.
3. AM Best is an independent company which issues companies a financial strength rating in the form of a letter grade, A++ being the best and so forth. Most quality companies will have an above average financial strength rating.

Now that you know how to find a quality auto insurance company, where do you start?

OnlineAutoInsurance.com allows you to compare auto insurance quotes online from multiple companies with one simple process. Choose your company by price, brand, service or financial strength. You can even get car insurance quotes and buy your policy online.