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Just the Facts: How to Compare Auto Insurance

If you've recently purchased a vehicle and need insurance, you're probably wondering where you turn. You may have heard how easy it is to compare auto insurance online. Comparing providers on the web can save you time and money, and you'll have access to most of the providers that serve your local area. Keep in mind that there are several things to compare when considering multiple companies. Here are the most important.

Rates and Coverage

Do online car insurance comparisons based on the type and amount of coverage being offered. If a company offers a cheaper rate than others, make sure you'll get the same amount of coverage. Compare auto insurance while taking into consideration the liability and various amounts of collision (if applicable). Also consider what the rates will be with or without comprehensive coverage.

Compare Auto Insurance with Available Discounts

While most providers offer some discounts, the type of discounts available may vary from one company to the next. If you or your teen son/daughter has had driver's training, you might get up to 10 percent off your rates just for this. Auto insurance comparisons often reveal which provider caters to young drivers, married drivers, those with high risk factors, etc. Discounts can help decrease rates only if you fall into the "low risk" category for that particular provider. So even if a company is already offering a lower rate than most, do still ask about discounts. Other discounts may be available for auto safety and anti-theft features on your vehicle, multiple policy coverage, excellent grade point average for students, and other factors.

Compare Auto Insurance Carrier Financial Ratings

There are a number of fly-by-night companies, so it's good to compare the financial standing of providers. The financial rating of a provider reveals the strength of the company based on its financial standing in the marketplace. A well-established company is more likely to pay its claims than one that's in financial trouble. You can easily check ratings through popular websites such as Standard & Poor or AM Best. Each provider gets a rating, with A+ being the top rating for a company that's very strong financially. Look for carriers with at least an A or B rating.

Claims Process

When you compare insurance, auto providers usually differ in how they handle claims. Become familiar with the filing process, how long it takes to get a claim approved/denied, under what grounds would a denial occur, how to file the claim (by phone, mail or online) and other aspects of filing claims.

Compare Auto Insurance Online Reviews

Check customer reviews to find out how well the company handles customer service and claims. Look for sites that have a lot of reviews so you can do a fair auto ins. comparison. Better Business Bureau is a great place to start if you want to know how many complaints the company has had and how the complaints were handled.

Check these main features during your automobile insurance comparisons to make sure you're getting reliable coverage from a trustworthy provider!

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