Friday 24 April 2009

Shop Around For the Right Auto Insurance Quote

When it comes to an auto insurance quote you cannot ever get too many. You do not want to discover after you have an accident that you chose the wrong company for your needs so be smart when it comes to looking for the right insurance quote.
Just as you comparison shop when you buy groceries and big ticket items, the same must be said for your car insurance. Shop around! Get one quote and then take the time to get another and another. You are well advised to get at least three auto insurance quotes.
There are plenty of insurance companies that will allow you to compare quotes online which means you don't have to do the legwork but can instead just put your fingers to work typing!
If you get in touch with your state insurance department either by phone or by looking them up online, they should be able to provide you with some insurance quotes for a selection of different companies.
Another important point when it comes to looking for affordable quotes is that you should get quotes from a variety of different kinds of insurance companies. In other words, not all companies are the same and you should be aware of this.
For example, some insurance companies sell through agents who are employed by them while others go through independent agents who deal with policies from a selection of different companies.
Some insurance companies sell to their consumers over the telephone and/or by way of the Internet whereas others require that prospective consumers visit them in person. Be aware when searching for quotes that the price may be related to the method that is used to sell insurance.
Price is not the only important part of an auto insurance quote. You want to be able to communicate with the company in an efficient manner and you want honest and reliable service. You also want to know that when you have a question it will be answered in a prompt and professional way. In the same way, you want evidence that the company handles claims in a fair manner.
When it comes to finding the right auto insurance, ask around. Word of mouth is an excellent way to start your search for an auto insurance quote that will be most appealing to you. Talk to loved ones, friends, work colleagues, neighbors and your state insurance department (as previously mentioned).
The state insurance department should be able to provide you with consumer complaint ratios of different insurance companies. Another excellent source to find auto insurance is consumer magazines. If you are concerned about the financial viability of the insurance companies you are looking at then take the time to research them through independent rating companies.

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