Selecting the best auto insurance company – best rates and best customer service
People use different criteria for choosing an auto insurer. Some base their decision on the opinions of friends, some on marketing and advertising promotions, and others simply on the cost of premiums.
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Typically, new auto insurance buyers tend to choose the lowest cost provider, assuming that most providers are essentially the same. As they become more experienced, and after having made a claim or two, they become more wise to other factors that determine a good car insurance company. Let’s be clear, all insurance companies are not alike.
Eventually, most automotive insurance buyers place the most importance on how companies treat them after filing a claim. Low premiums become much less important if a company won’t pay when they should, or immediately raises rates after an accident.
What’s the problem?
Many thousands of auto insurance customers are happy with their insurers. A significant number of people have been with the same insurance company for 15 years or more. However, other customers don’t find their companies very satisfactory. The most frequent complaints that customers have with car insurance providers are:
* Refused claims
* Slow settlement process
* Unsatisfactory payout on claims
* Feel forced to use insurer’s repair shop
* Poor repair quality
* High premiums
* Company raised rates after accident
* Lack of personal attention or compassion
* Billing, policy, and other non-claim issues
Unfortunately, most of these problems don’t surface until after a claim has been filed, when it’s too late to find another company. That is why it is important to do your homework before selecting an insurance provider.
If you have been involved in an accident and are being sued or are not satisfied with your insurance company, you may need to get help from an accident attorney. See our article: How to Find an Auto Accident Lawyer.