Auto Insurance Ratings – Tips to Find a Company That Offers Good Car Insurance Ratings

An auto insurance rating, whether you are an existing insurance customer or not, can give you important information about the financial situation of the company and it’s level of customer service so that you can decide if a carrier is worth considering. Besides, we can only judge auto insurance by the quality of the company that provides it.

You definitely want to look at more than just one rating when researching an auto insurance company. Authentic customer reviews compiled from a number of dependable sources are the best way for the rating company to determine the actual quality of service for a carrier. You might also consider researching through a number of sites so that you will have many different avenues of comparison. If you go through each review slowly, you will learn quite a bit about how the company handles problems, how they treat their customers, and how the company strives to give people what they need. Other aspects to look into would be willingness of a company to work with the individual needs of their customers, value of insurance for the money spent, and both the speed and the quality of service. Your chances of signing up with the carrier that is best for you is greatly improved the more you study the ratings and get a comprehensive view of various companies by reading a through a wide variety of input. Keep doing this regularly so you can stay on top of new developments.

Don’t forget about the many discounts that are available; many companies will deduct these from your total purchase. Doing this gives you more advantages and benefits. Make sure when talking to your agent you inquire about qualifying discounts. This will help you to save even more money.

Considering how the world economy is going, finding the cheapest reliable auto insurance rate for you and your family is now more important than ever. This is not to say that you should ever sacrifice proper protection for you and your loved ones just to get a better deal. With so many carriers vying for your business, it’s literally impossible to know if you have truly picked the most honest and reliable auto insurance company out there. Just do the best decision you can from the information you have researched.

Compare Cheap Car Insurance – Tips on How to Get the Lowest Car Insurance Quotes

When it comes to comparing the free car insurance quotes obtained online, most car owners just compare prices. Yes, it is important that you walk away with an affordable price, but cost is not the only factor you should consider when seeking cheap car insurance.

Once you have all of your cheap auto insurance quotes in an easy-to-compare format, which most comparison websites automatically compile them into; it is time to examine the coverage.

Get Enough Coverage: Sometimes, opting for your state’s minimum requirements for auto insurance is not enough. A newer car, one that you owe more money on, needs additional protection. Cheap car insurance is nothing but a waste of money in the end if you do not get the coverage you need.

Check the History of the Company: In today’s economy, many businesses are quickly folding like a deck of cards. You do not want to pay for a year’s worth of car insurance only to have the company close in 2 months. For that reason, check their financial rating. Next, place a call to insurance company and ask any questions you can think of. Your goal is to test the customer service provided; it better be good! You can also read reviews online to see what current or former clients have to say.

In short, it is more than possible to find cheap, quality auto insurance. However, you cannot base your decision solely on price because this can be a costly mistake. Request free insurance quotes online and compare quality of service, coverage, and price. By doing so, you not only get affordable car insurance, but the best value for your money.

Cheap Car Insurance: Factors that Affect Your Car Insurance Rates

When it comes to auto insurance rates, who you are determines what you pay.
Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.

While you can’t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.

Factors you CAN’T change that impact your auto insurance rates:

Your age

Dick Clark and Sophia Loren notwithstanding, aging is unavoidable. And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents.

Gender

Whether it’s the mothering instinct or fewer NASCAR fantasies, women statistically make safer drivers.

Marital Status

Ok, you can change this, but there have been no reports of people marrying simply to lower their insurance rates.

Factors you CAN change that impact your auto insurance rates:

Geography

Where you live matters.For instance, those living in rural America are far less likely to have a collision or a stolen car than those living in a city. But, sometimes even just moving across the street can change your rate.

Driving violations

Speeding tickets, running red lights, failure to yield, etc. all count toward your auto insurance rate.

Your vehicle

If you must have that cherry red Corvette or the Ferrari Testarossa, be prepared to pay for it. Your insurance premiums will be higher.

Accident claims

While you can’t change the past, keeping your slate clean and free of accidents will hold you in better stead than lots of fender benders.

Credit rating

That’s right — many insurance companies view having a poor, or even no credit history as suggestive of higher risk.

Occupation

A little easier said than done. Believe it or not, insurers have found correlation between your occupation and risk. Makes sense that the pizza delivery guy could be a higher risk!

Other factors that go into determining premiums:

Miles driven per year

Distance to work

Occupation

Years of driving experience

Business use of the vehicle

Whether or not you currently have auto insurance

Theft protection devices (often results in discounts)

Multiple cars and drivers (another opportunity for discounts)

Overwhelmed?

It can be more than a bit confusing when trying to decide the best and most affordable coverage for your vehicle. Like anything else, get good advice and comparison shop. With the Web at your fingers, you have all the information and power to get the best deal.

Please note that this description/explanation is intended only as a guideline.

For more information about auto insurance please go to: Insurance.com

Insurance Company Complaints – Top 10 Companies of 2012 With Least Number of Complaints

The New York State Department of Insurance (DOI) recently released the 2012 Annual Ranking of Automobile Insurance Complaints. The report is issued to help consumers find the automobile insurer that best meets their needs.

This report analyzed data collected from 2010 and 2011. It ranks companies doing business in the State of New York. However, as New York is a heavily populated state, with both big cities and big urban areas, the report can be considered a good representation of insurance company performance nationwide.

Use this report to see where your present car insurer ranks. You MAY want to switch insurance companies after reading this article.

2012 Auto Complaint Listing (best rank at top, more complaints as you go down)

1. Kemper Ins.
2. Progressive Northwestern Ins.
3. Great Northern Ins.
4. Merchants Preferred Ins.
5. Main Street America Ins.
6. Unitrin Auto and Home Ins.
7. Utica National Insurance of Texas
8. Old Dominion Ins.
9. Encompass Indemnity
10. Unitrin Preferred Ins.
11. Commerce and Industry Ins.
12. Encompass Insurance
13. America Automobile Insurance of Hartford
14. TravCo Ins.
16. Economy Premier Assurance
17. Barkers Standard Ins.
18. Travelers Indemnity
19. 21st Century Ins.
20. Nationwide Affinity Ins.
21. Ameriprise Ins.
22. Charter Oak Fire Ins.
23. Encompass Home and Auto Ins.
24. Electric Insurance
25. Nationwide Mutual Fire Insurance
26. Republic-Franklin Insurance (Utica)
27. Citizens Insurance
28. American Modern Home Insurance
29. Hartford Accident and Indemnity
30. Encompass Property and Casualty
31. 21st Century Premier Insurance
32. Nationwide Property and Casualty
33. Massachusetts Bay Insurance
34. Unitrin Advantage Insurance
35. Central Mutual Insurance
36. Associated Indemnity Corporation
37. Response Worldwide Insurance
38. American Bankers Ins.
39. National General Ins.
40. Vigilant Ins.

Conclusion

NONE of the major national companies whose ads you see on TV made the Top Ten!! The only one to break the Top TWENTY was 21st Century! There is only one other major national company in the TOP 40, and that is Nationwide.

What should that tell you?

If your present auto insurer is not shown on this list, maybe they don’t sell insurance in New York. But it likely means that their number of complaints is worse than the #40 position!

Consider this next statement carefully, my friends.

The only thing that matters about your insurance is what happens when you submit a claim. Claims are about KEEPING PROMISES. When the insurance companies don’t keep their promises, the state Departments of Insurance gets lots of complaints!

The DOI report is issued so you can make an informed decision about which insurance company you choose. Choose wisely!

If you experience an automobile loss of any kind, you’ll need to know how to handle your insurance claim so that you maximize your recovery. Learn how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, check out the website shown below in the Resource Box.