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What should you consider when purchasing car insurance?

2/1/2016

 
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. 
Yoshiko Flora link
4/2/2019 11:11:58 pm

My sister told me over the phone yesterday that she just bought a slightly used car for her son's 21st birthday gift this year. Knowing that her son just got his license, I will take note of your tip to look for an insurance policy that has a good rating by Moody's and A.M. Best. Doing this will reassure me that they can get his dents and scratches fixed immediately when he drives it a few months from now.

Ellie Davis link
12/12/2019 01:47:24 pm

I loved that you mentioned you need to consider finding an insurance company that fits your needs before thinking about the price. My brother bought a car recently, and we are looking for advice to find the right car insurance. I will let him know about your recommendations to help him choose the right car insurance company for his car.

wade joel link
7/23/2020 11:55:34 am

It's interesting to know that you need to consider purchasing the liability coverage that makes sense for you. My wife and I are thinking about buying our first car, and we are looking for advice. I will let her know about your recommendations for choosing the right insurance coverage to help us.


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  • Home
    • News
  • Contact
    • Client Testimonials
  • About
    • Our team >
      • Christi Whalen
      • William T. Zimmer
      • Dave Hinkley
      • Carla Stauffer
      • Alex Zimmer
      • Jodi Newman-Schliefert
      • Betty Piper
      • Shauna Randall
      • Sara Burton
      • Shannon Aikman
      • Shannon White-Michener
    • Our Partners
  • Services
    • Personal Insurance >
      • Auto Insurance
      • Motorcycle Insurance
      • Homeowners Insurance
      • Renters/Condo Insurance
      • Personal Watercraft
      • Umbrella Insurance
    • Commercial Insurance >
      • Property Insurance
      • Business General Liability
      • Business Auto
      • Worker's Compensation
    • Life Insurance
    • Health Insurance
    • Retirement Plans
    • Group Insurance
  • Payments/Claims
  • Blog
  • Insurance 101
  • Legal Statements
  • Holiday Closing Schedule