Find The Best Auto Insurance

How Can You Find The Best Rate For Your Auto Coverage?

Know What You Want

• Good Coverage
• Affordable Premiums
• Helpful and Friendly Customer Service

Ask and Compare

• Compare at least 3 different companies to make sure you have options.
• Ask family and friends what companies they use.
• See what specials they offer customers.
  • Safe-driver discounts
  • Multi-Coverage discounts – home/auto/renters

Do Your Research

• Make sure the company is licensed to sell auto insurance in your state.
  • Find them on the Department of Insurance website.
• See what others have to say about the business.
  • Better Business Bureau
    • Gives businesses a grade from A+ to F.
    • Find out how long the company has been in operation.
    • View customer complaints that may or may not have been resolved.
  • Social media is also a place that you can find customers either complaining or praising companies and how businesses responds to customer comments.
• Find out their financial standings:
  • J.D. Power

 

Your rate could sky rocket or drop if any of these things happen:

• Vehicle
  • Cars with better safety features may lower your rate.
• Where You Live
  • High-crime areas may increase rates, where low-crime areas may decrease rates.
• Age
  • Adding a teenager will increase your rate, but as they get older and show responsibility the rate will likely lower.
    • Some companies offer discounts for teens who take driver safety classes or have good grades.
• Getting Married
  • When you get married, you will probably merge two insurance policies into one.
  • The marriage also shows responsibility which may decrease your rate.
• Traffic Violations
  • Speeding and parking tickets will increase rates.
• Filing a Claim
  • Generally when you file a claim -especially if it’s your fault – your rate will go up.