What should you consider when purchasing car insurance?

There are several things you should consider when purchasing car insurance that your independent insurance agent can help you with. Here are a few:

• Purchase the amount of liability coverage which makes sense for you
• Select the optional coverages you want
• Decide which company to purchase insurance from
• Don't base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance

​While price is something that is tempting to focus on, companies differ on coverages and services offered and provided.

For example, companies that have adopted a more online style offer services on their websites like making changes to policies or claims services. Even further, some companies are adopting apps that let you view policy documents and make changes.

Finding an insurance company that fits your needs is just as important as the price.
Other traits to keep in mind when looking at companies is their financial health, if a company is struggling with finances there might be trouble when it comes time to pay for claims.

There are also huge differences between the big dog companies and the small town companies. Sometimes the smaller companies can relate to niche markets around their area better because they have local ties.

Another good thing to look at is company reviews and ratings. These days online reviews are becoming a popular judgement tool. There are also companies that solely review companies and their financial standings, which are;

• Standard & Poor’s
• Moody’s
• A.M. Best
• Fitch

Keep in mind that these companies each have their own systems that they rate on and measures may vary between the companies.

​What it comes down to is that you need a company that is reliable, knows the type of coverage you need, has great customer service whether it’s calling, emails or applications for your devices, and lastly in your price range.