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How to Find the Right Auto Insurance Company

With the huge number of insurance companies on today's market, all offering almost the same products and charging almost the same prices, it's sometimes hard to pick the right one for your needs. Since all companies look the same, how can you pick an insurer out of the crowd? This article will assist you in finding the right car insurance company.

Get the list of the top rated insurers

First and foremost, you will have to get a list of insurance companies ordered by ratings. JD Power, for instance, is an independent marketing company that surveys large batches of customers on their satisfaction and current opinions on certain insurers. Their car insurance ratings system is based on a series of factors like variety of offerings, price, billing process and availability of customer support.

Analyze the rating factors

You will then need to set your priorities. No company will probably excel in everything – those who have top notch support may have higher prices, the cheapest ones may be sluggish with their billing process or have hidden costs and so on. See which factor is the most important to you and where you can compromise.

While price is always an important factor, the availability of their support department is equally crucial. If your car breaks down in the middle of the road at 2am there has to be someone you can call right then and have roadside assistance get to you as soon as possible.

Even though often overlooked, payment options are also important. A lot of insurance companies, for instance, charge a nominal fee of $5.00 or more for processing the checks you mail in. Even though five dollars may seem insignificant, these little commissions pile up over the lifetime of an insurance policy. If you switch to, let's say, EFT payments you will be charged little to nothing, not to mention that payments are automated and you won't have to remember to write a check every time premiums are due.

Look up prices

Once you have ordered the list on your favorite rating factors, it's high time you got the actual rates for your desired policy. Most insurers offer a simple online interface where you can get a quote in a matter of minutes once you type in your details. Make sure you fill in those forms as accurately as possible, or the quote will be inaccurate.

Don't assume that the car insurance company that got the best price rating will be the cheapest for your needs. No two drivers are the same, so prices may vary depending on car models, your age and your driving record. Consult the top few companies rather than only one.

Remember that you may be eligible for some discounts, even when they are not displayed on the website. Some insurance companies will offer you better rates if you own a certain credit card or are a member of a club. Contact the insurer and ask what kind of rebates they offer.

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