Choosing a car insurance company is one of the most important decisions that drivers can make. You must be certain that you choose insurance that covers you properly based on your vehicle and driving habits, but you also want to have a reputable insurance company.
In an earlier article, you learned how to identify the cheapest car insurance companies that offer the most competitively priced services. But what other factors should you consider to find reputable insurance providers that you can trust to give you the kind of service that you need?
Discount Opportunities For Drivers
Although tips on saving money on your car insurance have been covered in other posts, each insurance provider has their own unique way of actually providing customers with discounts so they have a chance to be the cheapest car insurance company available to you.
For example, Progressive offers its Snapshot discount program, where you can choose to plug a monitoring device into your car that records driving practices such as how often you brake quickly, how far you drive, and how often you drive late at night.
Based on these factors, you get a personalized discount rate that can save you money if you practice good driving habits. Nationwide auto insurance offers a “Vanishing Deductible” program that allows drivers to shave $100 off their deductible for every year of safe driving, up to a $500 credit.
Other car insurance companies provide discounts for good habits away from the road. For example, some companies will give discounts to high school and college students that get good grades, or are affiliated with certain civic groups.
You can learn more about these discounts in articles to help young drivers choose insurance. When you are thinking about your insurance company, make sure to consider their unique discount opportunities so that you can choose a provider that gives you the chance to minimize your monthly car insurance bill.
No matter how long you have been driving, picking a car insurance company can be challenging. While many drivers shop only based on cost, there is more to choosing a car insurance provider than finding the cheapest car insurance company.
Do your research and compare car insurance quotes so that you can choose a provider that not only gives you a fair rate, but also offers all of the traits you desire from your automobile insurance company.
The best way to determine whether or not you will be happy as a customer of a particular insurance company is to find out what their current customers think. There are numerous resources available that help rate popular insurance companies, such as MSN’s 2013 survey of customer satisfaction amongst insurance providers. These large surveys will provide a broad picture of some of the more popular insurance providers.
Another way to find out about insurance companies is to talk to drivers that you trust. Ask around at school or work and see what people say about choosing an insurance company. They will be more than happy to give you firsthand stories of having success with their insurance company or troubles that they have experienced with them.
Think about what type of systems you would like to use to check on your insurance policy. Although some of the large providers like Allstate and other big companies might not be able to give you the individualized customer service that smaller insurance providers do, they will be able to provide you with the technological benefits of 21st century auto insurance such as being able to check your policy online or use apps that will work on a smartphone or tablet.
In most cases, these companies will also have longer service hours, meaning it is easier to reach people on the phone when you have a question about your policy or need to report an accident.
Working With An Agent
Another important thing to think about is whether or not you would like to deal with an insurance agent. While some insurance companies have moved away from working with agents, many others support agents all across the country because they allow representatives of a large company to interact on a personal level with customers.
Also, an agent can help you with specific auto insurance needs that you have. For example, an agent will be able to help you choose a policy that works for you based on your driving profile, such as providing you advice on how to pick a policy if you are a college student that will spend some time away from home for parts of the year.
Some people value the personal interaction that they have with an agent that is based in their neighborhood, so consider whether or not this is an important aspect of your insurance provider when choosing a company to work with.
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