Reputation is an important consideration. An insurance company with an established reputation will not want complaints from customers, since that would affect their business. Customer service would be more important for them than for a low profile company. To find a company with a good reputation, ask friends and relatives if they would recommend anyone. If it's good enough for them, chances are it will be good enough for you too.
You can get a rough idea of what the rates will be by looking at websites that compare car insurance rates. The Internet is a valuable research tool, so you should use it to weed out companies that offer prices that are affordable for you. Spend some time looking at websites that deal with auto insurance prices, and make a list of prospective companies.
Contacting companies directly is the best way to know what their exact rates will be. Be prepared to answer many questions about your driving history, such as whether you have had previous accidents. If you have, then these will affect your insurance rate.
In negotiating a rate with the insurance provider, provide them with details that would help lower your rate. For example, if you do not drive to work, let them know, as you may be eligible for a discount since you drive less, and you will therefore be less likely to be in an accident. Ask about any additional discounts they might offer. For instance, if you are a member of a professional organization or a union, you may be eligible for a preferred rate.
The media is full of stories about vehicle insurance companies, so pay attention to these. If a company has negative publicity, insofar as it gives customers a difficult time whenever they make a claim, then avoid them. Conversely, some companies might receive favourable attention. If this is the case, then you will want to consider them.
In most jurisdictions, auto insurance is regulated. Insurance companies are required to meet certain minimum standards, otherwise they may not operate. Make sure that companies you consider are legal, and preferably are good standing members of a prominent insurance industry association. If they are, then you don't have to worry about them stealing your money.
Price is certainly an important consideration when shopping around for car insurance. Nobody wants to pay more than they have to. But also remember that you get what you pay for. If, heaven forbid, you end up in an accident, you want to be sure that the insurance company you choose will honor their commitments and take care of you.
Article Source : http://www.articlesnatch.com/Article/What-s-The-Best-Auto-Insurance-Company/950146
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