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UPDATED: Mar 13, 2020
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Although having auto insurance for your vehicle is essential, it may also be a costly expense and investment. However, finding cheap auto insurance rates can sometimes be a challenge especially with the many auto insurance advertisements that are bombarding the newspapers, the airways and the internet. Finding FREE online car insurance made easy by using our FREE online car insurance tool!
When you are looking for car insurance, you should be aware of some of the problems that consumers encounter. You should also consider some important guidelines to help you get value for your money as well as quality customer service.
Major Complaints with Car Insurance Providers
Much dissatisfaction with insurers often occurs when a policyholder is involved in an accident or the car is stolen and a claim has to be filed. Some of the problems may include:
- Claims that are rejected
- Slow process and delays to settle claims
- Feeling claim payouts are unfair and unsatisfactory
- Inferior quality in repair work
- Lack of choice in selecting repair shops
- Increased rates and premiums following an accident
Other common complaints experienced by consumers are poor customer service and a lack of concern, compassion and personal attention, billing issues, policy options and high premiums.
Tips for Selecting a Good Car Insurance Provider
Many factors may influence your decision in choosing the insurer from which to buy your car insurance. These may include recommendations from family and friends, pricing and premiums and advertising and marketing materials.
To help you make informed decisions, you may find a good car insurance provider by doing some research, which involves using a number of different sources to gather quality information on customer service and consumer satisfaction.
Some Helpful Guidelines you Should Consider
Getting the consumer complaints ratios from your state’s department or commission of insurance website. This may help you to screen out insurers with poor customer service ratings. If this information is not available for your state, you may also browse the website of other states.
Using consumer reviews from market research and product review companies that provide reporting and opinions on several car insurance companies based on customer satisfaction and company performance.
Visiting automotive, insurance and consumer social media networks such as blogs, forums and discussion boards to get an idea of customer complaints and satisfaction.
Speaking with managers and workers of auto repair shops to get suggestions on insurers who have favorable records on settling claims promptly and fairly and who use quality parts and accessories for repairs.
Examining the financial strength rating and stability of insurance providers as this helps to ensure that the companies are able to honor claims to policyholders. The insurers with ratings of good to superior are indicative of a strong financial position
Visiting the websites of brokers or independent agents to get comparative information, including ratings, policy details and rate quotes on several insurance providers.
Key Characteristics of a Good Car Insurance Provider
With the many car insurance providers competing for your business, it should be noted that not all insurers are equal in the services and products they offer. Some important features that you should look for in a good car insurance provider are as follows:
- Affordable pricing and flexible policies with a variety of options such as collision liability, comprehensive coverage, property damage liability and emergency roadside service.
- Attractive benefits and discounts for good driving, accident forgiveness, insuring multiple policies and vehicles, safety features and corporate affiliation.
- Efficient customer service and the timeliness, convenience and ease in reporting and handling claims.
- Timely and flexible billing methods to include multiple payment options and frequencies
- Easy and accessible options for contacting the insurer and getting rate quotes, including online, telephone, licensed agent as well as offering free comparative quotes.
- Responsive and professional attitude when handling accidents and roadside assistance. This may include towing, car rental reimbursement and quality repair services.
Finding Competitive Car Insurance Quotes
Since auto insurance premiums may be expensive, pricing often plays a critical role in selecting a good car insurance provider.
However, bear in mind that the lowest or the highest premium rates do not necessarily translate to reliability and the best customer satisfaction. You should get quotes from different insurers so that you can compare the rates as well as the policy details.
Visiting the websites of multiple insurance companies and brokers is one of quickest, easiest and best ways to shop around for car insurance quotes. Giving adequate information is recommended, as the more personal details you provide the better you are likely to receive accurate rates.
An important feature of selecting car insurance is rate comparison shopping. This may help you save up to hundreds of dollars over a year as well as offer more value or coverage for your money.
Reviewing your car insurance ever few years is an exercise in which you should engage since rates and policy details may change. Review some new car insurance rates by entering in your ZIP code!
Having valuable information on the features of a good car insurance provider as well as tips on getting the facts is helpful in saving you from disappointment, frustration and losing money. Find out about all different companies by putting in your ZIP code and receive FREE online car insurance quotes!
It is also a positive start to getting affordable insurance along with good customer satisfaction. As soon as you identify your auto insurance needs, you should do your homework and gather relevant information to weed out poor performing insurance providers.