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How To Compare Auto Insurance Providers

Having a good auto insurance provider is as important as having a good policy. Nobody wants to work with an unreliable company, which has many customer negative reviews or poor financial stability. Find out how to compare auto insurance providers and make a smart choice.

  1. Hand with money and toy car isolated on white background

    Hand with money and toy car isolated on white background

    Check the car insurance company’s consumer track record. To narrow the option list, you should check which companies are considered the best in your area. Visit your state insurance commission’s website.

  2. Check for financial stability. There are several indexes and websites you should visit. For example, always check the financial ratings provided by A.M. Best to any insurance provider that interests you. Naturally, you would assume that a top ranked website will also have strong financial rating. But unfortunately, there are cases when the financial rating drops and the state’s commission website is not update. Better double check than to sign in with a company not so great.
  3. Compare complaint ratios. For every insurance company you may be interested in, check their complaint records on the National Association of Insurance Commissioner’s (NAIC) website or on your state’s insurance department website. You surely do want to work with an insurance company that doesn’t offer good customer service. NAIC offers customer statistics and you should use them to compare the quality of customer services.
  4. Check for discounts. Before you begin comparing car insurance quotes, make sure you know about your potential car insurance discounts. You can get price breaks for things like bundling home and auto insurance with the same company, good grades, a good driving record, anti-theft devices and anti-lock brakes. Ask each insurance company for any other possible discounts so that you are comparing the lowest possible rates.
  5. Check for extra services. Consider adding optional coverage and compare prices for each service and company.

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