If you watch any media or surf the Internet everyday, you probably see loads of ads on car insurance comparison [http://www.autoquotenow.com] by various car insurance companies every day. Don't you have to act smart by not going with the cute, talking animals or perky sales girls or catchy and rhyming jingles? You should rather look for the best deal while buying low cost car insurance. Again while choosing a company; the goal is to see the real information and not the ad gimmicks. For this, you need to do a little research. You should settle with a company you can feel confident about because you have sufficiently studied it.
Price: Price is considered as one of your main concerns while purchasing auto insurance. Various factors in turn decide the price of the policy, such as the type of vehicle you have, your age, your credit score, accident history etc. But these rates can vary greatly from company to company, according to the terms and conditions of the company concerned. In some states, the Department of Insurance publishes a guide, which contains average rates for each part of the state.
Licensing: All insurance companies are not licensed in every state. So you need to research on the company Web sites for a list of states where they are licensed and where they not, only to make sure their services are available to you. This information are also available from your state's Department of Insurance or you can directly call the company and ask them whether they are licensed to issue auto insurance policies in your state or not.
Service: This can not be judged unless you actually become a policyholder, because you will know how your insurance company will perform only after an accident. But there are still a couple of ways to determine whether the company provides good customer service. First you need to see the Better Business Bureau to check if any of the companies licensed in your state have complaints against them. You also can talk to your family members, friends, neighbors, and co-workers. Finally, take a note whether the customer service executive is polite, helpful, and knowledgeable.
Financial Stability: car insurance covers damage to your vehicle, medical expenses, and other financial losses from an accident. Check whether the company is providing all these or not. In order to know this you have to check the financial news to determine which companies are the most financially stable.
Price: Price is considered as one of your main concerns while purchasing auto insurance. Various factors in turn decide the price of the policy, such as the type of vehicle you have, your age, your credit score, accident history etc. But these rates can vary greatly from company to company, according to the terms and conditions of the company concerned. In some states, the Department of Insurance publishes a guide, which contains average rates for each part of the state.
Licensing: All insurance companies are not licensed in every state. So you need to research on the company Web sites for a list of states where they are licensed and where they not, only to make sure their services are available to you. This information are also available from your state's Department of Insurance or you can directly call the company and ask them whether they are licensed to issue auto insurance policies in your state or not.
Service: This can not be judged unless you actually become a policyholder, because you will know how your insurance company will perform only after an accident. But there are still a couple of ways to determine whether the company provides good customer service. First you need to see the Better Business Bureau to check if any of the companies licensed in your state have complaints against them. You also can talk to your family members, friends, neighbors, and co-workers. Finally, take a note whether the customer service executive is polite, helpful, and knowledgeable.
Financial Stability: car insurance covers damage to your vehicle, medical expenses, and other financial losses from an accident. Check whether the company is providing all these or not. In order to know this you have to check the financial news to determine which companies are the most financially stable.
SHARE
