It is no exaggeration to say that motorists are spoiled for choice when it comes to US auto insurance companies. There are at least a hundred of them licensed to sell policies in most states. You can see a few of them offering amazing deals to our visitors on the platform above. So, what would you be looking for and how are you going to choose the most suitable policy for your circumstances?
There are always three sides to finding the best auto insurers. You need to get the price and coverage right and be able to have confidence in the company. You may need to wiggle around a bit to get exactly what you need. You don’t want to pay high premium, cut corners in the coverage or get insured by a company with suspect reputation.
Is the Price Right?
When you start looking around for a policy you should get a few quotes first. This is the step you start finding out about US vehicle insurance providers. Let’s face it; most of us have tight budgets to work with. When a quote comes well over our budget it becomes almost irrelevant which car insurer provides it because we cannot pay for it.
Let’s go back and remember the first sentence. You have plenty choices to be worried about dumping one or two expensive carriers right at the start because of high quotations. The price difference would be a lot more visible when you don’t have clean driving and claim history. The best car insurers are known to prefer good drivers and offer much higher rates to bad ones. If you really want to be insured by one of them you may want to clean up your act in the next year and get quotes from them again. You can find the cheapest auto insurance companies per driver type on that post.
Hopefully, quotes will not be all over the place and confuse you. What you should be aiming is to get a few carriers that are in your price bracket and lines up along nicely, only few hundred dollars separating each quote. Then, you know it is time to move on to checking coverage.
Is the Coverage Good?
sIf you provided them the exact same details, the policies that are quoted for should be similar to each other. Still, you should check that everything you need is provided for and there aren’t any heavy conditions attached to some of the cheap car insurance quotes. In the same way, note the companies that offering several extras as well as providing the cover requested. For example, free accident forgiveness and rental reimbursement coverage would be nice.
Can You Trust the Brand?
If you have about three similar quotes with the right level of coverage you are in a perfect position to choose. Therefore, you should keep getting quotes until you are in this position or fully satisfied with at least one quote. It is natural that one or two names will pop at you. US auto insurance carriers are big at promoting their brands on TV, media and online that you are bound to be familiar with some of the names.
However, you may have your own reservations about the type of car insurers you want to be insured with. Companies like State Farm, Allstate, Progressive, GEICO, Farmers, Liberty Mutual, Nationwide, Travellers are some of the largest US car insurance companies. Esurance, Safe Auto, Auto-Owners Insurance, USAA and a few others may be preferred because of unique benefits they offer. There are too many carriers to list here.
Every motorist would have some idea which are the most reliable automobile insurers in their opinion. Size of the auto insurer is usually one of the criteria in auto insurance company comparison. Larger companies generally have nationwide presence. Also you can find a gem of a company if you are looking for a local provider that helps the economy where you live. It is your money and you should have a say about who gets it.
What People Say?
Another good way of finding out about the best automobile insurers is to look at what other people say about them. If you are using an independent broker he/she would be able to enlighten you about them. You can ask around and try to find out if people have good or bad experience with any particular carrier.
Furthermore, you can check online to find reviews and reports on vehicle insurers. Companies like AM Best, Standard & Poor’s and Moody’s offer financial ratings on mainly the largest carriers. You have to keep in mind that they only rate larger ones and therefore not seeing a company rated by them doesn’t mean the firm is not financially sound.
One of the best ways of comparing car insurers is to find reviews and look at their claim history. Your state insurance department publishes the complaints received on licensed providers. Again, larger companies are more likely to receive more complaints due to number of policies sold. What you should be looking for is the number of complaints per 1000 policies sold.
Regularly various websites publish customer satisfaction reports that are great to judge a provider. Quite often you will find one or two surprises among companies topping the customer satisfaction ratings. Pay attention to who rate car insurance providers and what they are based on. Independent reports are valuable sources of information compared to advertisements.
What Do You Think?
Personal circumstances and preferences should always be taken into account. You are likely to make a different decision when money is no issue compared to someone who is already struggling to pay the cheapest premiums. However, you shouldn’t be scared of wanting a good level of coverage thinking that the quotations will be too high. You would be surprised to see that the premium gap between a great policy and basic one is not as wide as you think. And you may be further surprised to see that one of the leading auto insurers offer you the cheapest rates.
A common problem people have when purchasing car insurance online is that they don’t look at their options carefully. Large numbers of policyholders are happier to stay with the company they know instead of venturing to find cheaper, better and more reliable alternatives. That would be a mistake to make that hurts your wallet. Most experts would tell you that you should always shop around before buying or renewing your policy.