According to the US Better Business Bureau statistics, a total of 8,568 complaints were filed with the BBB against insurance companies of the US in 2011. With so many complaints filed against insurance companies, it is quite evident that you should be careful when choosing a company for buying car insurance. Just because a company is offering low bid doesn’t mean that you should buy from them. Read this article to know how to find the right insurance agency for you.
Tips to Find the most Suitable Car Insurance Company for You
The first thing to do is to recognize the kind of coverage and facilities you want in an auto insurance policy. Once you jot down your requirements, you should then start looking for a reputable company to find a policy as per your requirements. Following are the five useful tips to find the right auto insurance agency for you.
- Check consumer complaint ratio – The department of insurance of your state may have an official website. Once you visit their website, you can find consumer complaint ratio of all insurance companies of your state. The ratio reveals the number of complaints filed against a company per 1000 claims. This gives you an idea about the quality of service provided by the company. Not to mention, you should compare several companies on the basis of this ratio before taking any final decision.
- Consult local automobile repair shops – One way to know more about an auto insurance agency is to contact with a local body shop. Managers of these shops directly interact with insurance companies. They can provide you some authentic information about an insurance company, such as how quickly the company responds to claims, whether they use aftermarket parts, and so on.
- Compare rate quotes – Nowadays, you can get rate quotes from an insurance company quickly and conveniently through internet. Use this opportunity to get quotes from several companies. When comparing among policies don’t just consider price, the amount of coverage, deductibles and other terms should also be taken into consideration.
- Check ratings – Many acclaimed global market research companies rate insurance companies on the basis of claim service, price, customer satisfaction, coverage option and other factors. The J.D. Power and associates, Weiss, and A. M. are some of the best choices for checking out ratings of insurance companies. One good idea is to visit the websites of these market research companies, and check out rankings of your chosen car insurance companies. Use this information when selecting the most suitable car insurance company for you.
- Look for 24/7 claim service – It is very important to get claim service from an insurance company anytime round the clock. When shopping for auto insurance, you should choose a company that facilitates this service. More importantly, you shouldn’t just take their words on this. Call the company’s claim service department at odd hours during weekends to verify whether they are truly offering 24/7 claim service.
If you consider all these tips when selecting an auto insurance agency, you can surely find the right auto insurance agency for you.