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How Do I Tell Which Insurance Company is Right for Me?
Feb 07, 2020
To make a wise decision consider all the important criteria
There is no one “right” car insurance company for any customer. The auto insurance marketplace is one of the most competitive service industries in the United States.
The right company for you would be one that meets the customer’s expectations for:
- Price
- Coverage and
- Service
Price:
Pricing can be determined by shopping with multiple carriers. There are numerous ways to shop around. A call to an Independent Insurance Agent provides the most efficient way to find your best rate.
Coverage:
Auto insurance coverage is measured in two different ways
- Limits within coverage parts
- IE: Liability, Uninsured Motorist and Personal Injury limits
- Deductibles
- Coverage enhancements provided by the carrier
- Don’t miss this critical consideration. Despite what some companies may want you to believe, there are differences in the breadth of coverage by the base auto insurance contract - and - the enhancements the company offers. Some of those enhancements might include:
- Disappearing deductible
- New auto replacement options
- Other enhancement options
Service:
Today’s service options include considerations such as:
- Do I have an agent that acts as my advocate?
- Check the company rating on your state’s complaint rankings or JD Power rankings
- If I call, to whom will I work with? Does my call go into a pool of under educated customer service reps? Or can I talk with someone who knows my situation and can respond appropriately to my needs?
- Is there a full-featured online interface with the insurance company?
- Does the company provide resources with access to service and informational needs?
Those are some of the considerations one might want to consider for the “right” auto insurance company. However, there is no one right insurance company for anybody.
Most consumers would be well served by any number of competitive car insurance companies. Focus on a carrier that provides a competitive price, coverage and service options.
Would you like some assistance in finding the right insurance company for you? We LOVE to help! Please feel welcome to call us at 607-324-7500, or chat with us using our handing chat feature at the lower right of your screen.
This article may have been originally published at Quora.com.
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