How to Find the Best Car Insurance Companies and the Best Rates

Average car insurance rates in the United States have declined in the last few years, but most of us are still paying $1400 to $3700 a year to insure our vehicles. With prices this high, we want to find the best car insurance companies with the best rates. Here’s how to do it quickly and easily.

Find the Best Car Insurance Rates

Insurance rates can vary by hundreds of dollars from one company to another, even for the same coverage. This is why it’s so important to shop around for the best auto insurance rate.

The Internet can help you quickly get rate quotes from numerous companies. Using an insurance comparison website, you can enter all your vehicle and driving information on one form and receive quotes from a number of insurance companies (see link below).

Find the Best Car Insurance Companies

Once you have quotes from several companies, how do you choose the best car insurance company? Your instinct might be to just grab the company with the cheapest rate. And while this might, in the end, be your choice, you need to also make sure the company is going to provide you with good service.

To evaluate insurance companies, follow these tips:

* Check your state’s Department of Insurance website. Every state has a website maintained by the Insurance Commissioner that lists licensed agents and companies and each company’s complaint ratio. You can select your state from the National Association of Insurance Commissioners (NAIC) website.

* Check ratings from companies such as J.D. Power and Associates, A.M. Best, and Standard & Poor.

* Evaluate each company’s communication efforts. Is there a local agent you can call with questions? Is there an 800 number you can call? Is the website informative?

* Evaluate each company’s payment policies. Do they offer payment plans and online payment options? What are the penalties for late payments?

Best Car Insurance Companies

Looking for the best car insurance companies? Here’s how to find them.

Best Car Insurance Companies

If you’ve read my previous car insurance articles in EzineArticles.com, you know how to get a great rate on your car insurance. But how do you know the insurance company you purchase your insurance from will be reliable? And how do you know that company will give you good service and pay your claims on time?

Thanks to the Internet there are a number websites that rate insurance companies. Here are four of the best …

J.D. Power & Associates (jdpower.com)

J.D Power & Associates website provides company ratings based on the opinions of people who actually own insurance policies with those companies. Ratings vary from five circles (their highest rating), to two circles (their worst rating).

This site gives you a good idea of how a company treats its customers, prices it’s policies, and pays its claims.

Your State’s Department of Insurance Website

Every state has a department of insurance website, and most states publish a list of complaints that have been filed against insurance companies. Complaint ratios tell you how many complaints have been filed against a company for every 1,000 claims. This is a good barometer of how well a company pays its claims.

If your state doesn’t publish complaint lists you can visit California’s department of insurance website (www.insurance.ca.gov), or New York’s department of insurance website (www.ins.state.ny.us) to get this information.

Epinions (epinions.com)

Epinions publishes ratings and reviews from customers who’ve had dealings with insurance companies. Here you can get the inside scoop on how a company handles its claims and treats its customers.

A.M.Best (ambest.com)

A.M. Best rates insurance companies based on their credit rating and financial strength. These ratings give you a good idea of a company’s ability to pay its claims. Ratings vary from A++ to D.
Best Car Insurance Rate.

Best Car Insurance Company – Finding the Right Company for You

As there are many insurance companies operating in the market these days, finding the best car insurance companies need proper knowledge and practice. You should also know about the present insurance market to find an affordable insurance package for your vehicle. However, with the help of the internet technology, you will be able to do it without much hassle. There are numerous sites available on the internet, which will provide you the quotes of different insurance companies. Therefore, your only task is to compare the quotes, select a package that suits your needs, and budget. Moreover, you should also make sure that the company you are selecting would be able to provide you the right package, which suits your needs and budget.

When you are searching for the best car insurance company, some of the important factors come into play. All insurance companies have their own merits and demerits. Therefore, you should first focus on this aspect. However, you will be able to do it easily with the help of internet. As most of the companies have uploaded their official websites on the internet, you just have to log on to them for gaining more information on the different packages and deals they provide. Moreover, when you visit the official websites of a car insurance company, you will also come to know more about their ranking and reputation in the market, which is also an important factor to obtain the best service.

Moreover, comparing the insurance quotes will help you to find the right company and package that suits your needs and budget. As most of the companies are providing their insurance quotes online, you can compare the quotes for finding the right deal. Most of the sites that will provide you quote that will give you more information on the benefits and features they provide. Therefore, your first task is to find at least five to six insurance quotes that suit your needs. When you are looking for these quotes, make sure you are taking it from a genuine website. This will ensure that the information you are obtaining is genuine.

Even though if you are looking for the cheapest car insurance company, it is very important to know more about the quality of the services they provide. When you get into the official website of the company you are selecting, you will be able to find the customer reviews. Reading these reviews will help you to know more about the quality of the services provided by the company. Other aspects like the premiums, overall cost of the insurance, duration, eligibility etc also plays an important role in obtaining the right package. You can also check whether you are eligible for any special deals and packages when you are looking for the insurance companies. The condition as well as the model of your vehicle also plays an important role in obtaining the best insurance package. Having this basic knowledge will help you to find a good package for your vehicle.

How to Choose the Best Car Insurance Company

Choosing the best car insurance company could be overwhelming. There are several insurance providers which claim to be on the top of the market. To single out the best one, you need to define or identify what you are looking for or what you want from an insurance company.

An auto insurance business would usually look at several things to calculate your fees. It would be based on the driver’s record, age, gender, the type and number of vehicles which will be insured, and the location or place of residency. So don’t be surprised, if your sports car costs more than the neighbor’s family van.

If you are not confident with your knowledge in insurance and unsure of your decisions, then you could get an insurance agent. If getting an agent is out, then here are some tips that could help you in choosing your car insurance.

1. Identify your needs.

You need to know if the state has a minimum liability coverage. It would depend on you if you want to add other coverage with this minimum state requirement. There are different coverage offered in different companies so make sure you are aware of these.

2. Shop for an auto insurance company.

Don’t just pick one company. Look at the policies of other insurance companies. Research on the history, ratings and standards of the insurance companies. One thing you don’t want to do of course is to spend money for a B-class company that has a record of claim complaints.

3. Check with previous customers.

There are several independent websites where customers get to rate and provide their feedback on insurance companies. You could also ask friends, colleagues, and family about their experience with their own insurance provider.

4. Understand the policies.

Before you sign anything, make sure you are fully aware of the coverage and what is stated in the policy. Exhaust all possible questions with the insurance provider before you sign. There are also several websites that offer a list of questions that you could ask your provider, to make sure you are not missing out important details of your policy.