Choosing car insurance can be difficult. Believe it or not, the cost of car insurance is only one of many factors you should consider when deciding which company to go with. Even if you find cheap auto insurance, it may not be your best option. Here are some things to consider when shopping for car insurance.
Make Sure they Cover Your State
A good place to start looking for a car insurance agency is your state’s department of insurance. You can find listings there of all the providers that are licensed to sell insurance in your state of residence. If you try to find cheap auto insurance quotes first, you may end up wasting time on a company that doesn’t even sell coverage in your state. Usually the list will be on the insurance department website, but you can contact the department if it’s not.
Decide Between Local and National Companies
This is largely a matter of personal preference. If you go with a big name insurance chain, you may not be able to visit your insurance agent in person as often as you’d like, or at all. If that’s a factor for you, it may be better to consider a local company, or at least a company that has a local branch.
Comparison Shop Between Providers
Get several quotes and try to find the one that offers you the best service for the lowest price. Remember, the cost of car insurance shouldn’t be your top priority, but it’s still a factor. Figure out the highest cost of car insurance you can afford, then find the best company that fits into that price bracket. Make sure to ask about any possible discounts while you’re shopping quotes. You can never know what you qualify for until you ask.
Get Other Opinions
You can check insurance company ratings and financial standings through organizations like J.D. Power and Associates, Standard and Poor’s and A.M Best. You should also ask friends and family what’s worked for them and what hasn’t. Be sure to check online reviews as well.
What car insurance search methods have worked for you! Let us know in the comments!