If you want to work with a new auto insurance company, you will want to put in the legwork to find a company worth working with. You want to find a company that will provide you with coverage and backs you up when you need to file a claim. There are a few different ways you can analyze and evaluate different insurance companies to find the right one for you.
#1: Compare Coverage
One of the most basic ways to compare car companies is to call them and get a quote. Of course, when you get a quote, you will want to keep as many variables as possible, asking for the same type of coverage and the same deductible from each insurance company.
This will allow you to see the difference each insurance company charges for each type of coverage. This will also allow you to look into their policy to see if there are any differences in how robust their coverage is for your needs.
#2: Check with Your State's Regulatory Agency
Each state has a regulatory agency that is used to evaluate and ensure that insurance companies follow the law and treat their customers fairly and justly under the law. Check in with the state's regulatory agency, and find out how the state tracks customer satisfaction and complaints. Many states use consumer complaint ratios to rate insurance companies, which track the ratio of complaints that are filed against an insurance company against a set number of claims. This can be an excellent way to see how the insurance company performs in your state.
#3: Look at Outside Customer Satisfaction Ratings
Next, you can look at agencies that track customer satisfaction ratings outside of the state government. These agencies create a comprehensive insurance company rating based on several factors, such as price, how claims are processed, customer service, and policy options. As a result, they are generally very comprehensive ratings.
#4: Expert Referrals
There are two professionals that work with auto insurance companies frequently and know what they are like to work with — personal injury attorneys and auto body shops. If you know anyone in these two fields, you can ask them what their personal experience in working with insurance companies that service your state. They can let you know what ones are the easiest and most challenging to work with from their perspective.
When it comes to finding the right insurance company to work with, you will want to look beyond the price that they charge you, and look for a company that also has a stellar reputation.
To get started, contact a local auto insurance provider.