Finding The Best Car Insurance Company

When buying car insurance, it is important to look at the price tag

, but also the carrier and the coverage. As with any product, the great deal you got is quickly forgotten when you realize what you are paying for is not what you expected.

The classic saying, "It's too good to be true" applies to car insurance payments as well. If the premium seems too low, be sure you are getting the coverage you are looking for.

Research the Insurance Company

Check out the agent who will be managing your account, advises the California Department of Insurance. Do you know and trust them? Also look into the insurance provider itself. Is it a well-known and established company? Does it have the financial assets to pay its claims? To find out you can obtain background and financial information on an insurance carrier from your state's department of insurance.

Ask a Lot of Questions

When talking with an auto insurance agent, don't be too shy to ask a lot of questions. Along with learning what coverage is provided and what it costs, make sure to ask about how claims are processed. Too often, people don't are unfamiliar with the claims process until they are forced to make a claim. Knowing ahead of time ensures you choose an insurance provider whose claim process is most convenient and appealing to you.

Find Out What Others Think

Ask friends, neighbors and family who they are insured with and whether or not they like the service they receive. Often, they can provide personal examples of what was lacking and what they liked when they had to file a claim.

See If You Can Get Discounts for Bundling

If a car insurance provider also offer home insurance, life insurance, renter's insurance, disaster insurance, a personal umbrella plan, etc., see if you can get a discount for signing up for multiple services. You may be able to see a significant savings on all your insurance policies when using a single company versus buying each one separately.

Find out About the Peripheral Benefits

Many car insurance companies will also provide services such as roadside assistance, free towing, and rental car services. Make sure you factor in the value of these add-ons when comparing one insurance company to another.

Make Sure to Shop Around

Call a couple of the largest car insurance companies (State Farm, Allstate, Nationwide, SAFECO, etc.) and then check with a couple independent agents and phone-based carriers, such as GEICO or Amica, just to make sure you've adequately researched your options.

by: Don Tate

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