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Step 1
Coverage: What coverage options does the company offer and what does each individual option cover?
Make sure you take the time to read all of the fine print. You don't want to sign up only to be surprised by some hidden clause later that was tucked into the fine print. -
Step 2
Cost of Coverage: How much is your coverage really going to cost you?
Are you really getting a good deal or could there be better options out there just waiting for you to find them? - This question can be easily answered if you follow step 6. -
Step 3
Response Time: If you were to have an accident or have to file a claim through the company how long does it take for your claim to be processed? You also want to know how much yellow tape follows the filing of a claim on standard through their company.
Do they have a guaranteed response time in clear cut situations when fault is not in dispute? -
Step 4
Additional Benefits: Do they offer any extra benefits i.e safe driver discounts; loyalty rewards or other incentives that entice you to sign on with them or that will benefit you if you choose to stay with their company for an extended period of time?
These things are important to know. You do not want to get down the road in 5 years and realize you have no discounts or rewards to look forward to for your loyalty and if the company is a good one they should have no problem offering an incentive to their customers who do choose to maintain a long business relationship and safe driving record. -
Step 5
Customer Reviews: What are other customers saying about their experiences with each car insurance company? What experiences have they had? Were they quick to respond? Did they speed through yellow tape on filed claims or was the process time consuming and stressful?
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Step 6
Comparisons: Make a list of pros and cons for each company and decide what aspects are the most important to you. Then, see how they stand up to each other. --Most companies even offer quotes which can save a lot of time when doing your research.
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Step 7
Customer service is another important feature to look at when you are considering a new car insurance company. The way you are dealt with before you become a customer is often going to be better then how you are dealt with once you are a customer so if the reception that you receive during your first contact is less than appealing chances are you need to keep looking. Someone out there is willing to treat you right and offer up good coverage on your vehicle.
Comments
bar10dr98 said
on 12/1/2008 Great info, thanks!
klnygaard said
on 12/1/2008 thanks for info--I think its time to do a litle research! :)
almommabear said
on 12/1/2008 Great tips for finding the right car insurance!
Rockney said
on 11/30/2008 Great information! 5*!