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How to Find a Reliable Car Insurance Company

Date posted: 06/30/2012

by Melissa Crumish on
in Insurance

1188 How to Find a Reliable Car Insurance Company

You do not want to discover after an expensive car collision that your auto insurance provider can only pay you every other week, $6 at a time in rolls of nickels. There are plenty of fly-by-night insurance carriers festering on the Internet these days, suckering in unsuspecting customers with false claims and promises.

To avoid getting duped, do some research on the car insurance companies you’re considering. It may take a few hours of your time, but a small price to pay for the comfort of peace of mind.

Car Insurance Company Shopping Tips

Ready? Good. Here’s what to do:

  • Visit a body shop and talk with the mechanics. Body shop workers deal with auto insurance companies on a daily basis. They know which companies treat their customers with respect and are quick to pay claims.
  • Contact your state’s Insurance Department. This agency closely monitors state-based insurance companies. Ask to see the complaint records of the car insurance providers on your list. Avoid any provider with an inordinate number of complaints.
  • Check with the Better Business Bureau. Inquire if any claims have been filed on the companies you’re considering.
  • Try talking with an agent, paying close attention to the agent’s mannerisms. If the agent acts curt or disingenuous, scratch that provider off your list and move on. If the agent acts this way during an introduction, imagine how he or she will act when you file an accident claim.
  • Look into the car insurance company’s financial ratings. You can research from a number of websites, including J.D.Power, Standard & Poor, and Fitch Ratings.
  • Be leery of any relatively unknown company, especially ones offering exorbitantly low insurance rates. The better known companies might cost more, but with the higher rates come trust and assurance – two qualities that cannot be underestimated.

Did we overlook any tips on finding a reliable auto insurance company? Share you wisdom. Leave a comment below!

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