What you should look at when comparing car insurance quotes

Price is the initial thing most people consider when comparing auto insurance quotes. After all, all of us want a good deal, correct?

Of course. But don’t make the mistake of buying solely based on price. Even when you pay a few dollars more, you’ll get yourself a much better package - and be a whole lot happier with the purchase - if you compare these five aspects first.

1. Insurer: Research the carriers you are taking into consideration. Companies like A.M. Best and Forrester’s rate insurance carriers on their financial strength, customer service and trustworthiness. J.D. Power and Consumer Reports feature comments and testimonials on their internet sites about drivers’ real world experience with various insurance carriers. Pay specific attention to responses in relation to claims services.

2. Customer support: Check out the ease of use of both customer and claims support. Is it open 24/7 or solely during certain hours? See whether the insurer has claims representatives in your area or if almost all claims are carried out over the phone. Then choose what’s best for your needs. All things considered, in case you have an insurance claim, you want to feel comfortable about the process.

3. Payment Options: Look into what options are offered for paying for your policy. Some companies are offering monthly or annual payments and a few give you a price reduction for paying the whole amount at the beginning of the policy. It’s also important to understand just what forms of payment they accept such as credit or debit card, electronic check or ACH. Be certain to ask if there’s a discount for making use of one kind of payment versus another.

4. Coverage: Ensure when you compare quotes, you are comparing pears to pears and that each policy you take into account provides you with identical amount of coverage. Pay specific attention to towing and rental-car cover. Rates and privileges really fluctuate here.

5. Special discounts: In the event you are entitled to a discount - AAA, good student, epayment - verify that every company you compare rates from gives you exactly the same discount. Often a few dollars might make a massive difference over the life of an insurance plan.

Don't forget, a bargain isn’t a bargain in case you end up using the wrong insurance company. Before you buy, ensure the company you choose can provide the service and value you expect.

Now you know what to take into consideration when you compare auto insurance rates, let’s make auto insurance carriers compete for your business. In less than 10 minutes, our affordable car insurance website can deliver a multitude of quotes from top-rated insurance carriers - saving you time and maybe lots of money! If you are living in Fl, look at Florida No Fault Insurance

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