Choosing a Car Insurance Provider

Choosing a car insurance company can be a daunting task. The right company should have great customer service, reasonable prices, reliable claims handling, and a good business rating.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Many different companies are competing to become your insurance company
  • You can find the best insurance company for the best rate
  • Do your research, and ask questions
  • The process may take a little bit of time, but in the end, it is always worth it

Many institutions rate car insurance companies. No matter your point of view, it is easy to find out which car insurance company can be considered the best in the market. It is important to know what policies they offer, and what the difference is between one provider and another.

Why should you pay a high premium for car insurance when you can have the same insurance and coverage from another company at a better price?

At the end of the day, we are looking to save as much as we can, so it is important to be able to start saving with the insurance premium first.

A car insurance company needs to be strong financially to be able to handle your insurance issues with the professionalism and care that is required. That is why it is important to understand why some of these companies have been rated so highly and considered so reliable and why some of them have not.

Start comparison shopping today by entering your zip code in our FREE tool above!

Reviewing a Car Insurance Company

Most rating companies assess the following aspects about insurance companies:

  • Claims handling – The response from the customers to how capable the company is in handling the billings and payments for the insurances
  • Customer Service – The way the company handles the policy offerings and how they try to give its customers the best deals
  • Reasonable prices and benefits – Make sure you have the right coverage at the right price
  • Financial ability to meet obligations – Make sure your company is in good financial health

The companies that take care of their customers and contact them on a regular basis are considered to be the best, car insurance companies. Those that have some favorable deals, but, however, are not so good when it comes to customer satisfaction, are not so popular. Always be careful and do what you can to avoid bad situations.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

How to Find the Best Car Insurance Company

While researching the market for the best car insurance companies there are a few questions that you should ask:

  • How quickly do they process the claims that they get?
  • What is their financial reputation?
  • How long have they been in the car insurance market?
  • Is the company outsourced or is it a family company that believes in service and relationships with their customers?
  • Do you have any personal experience with the company or the car insurance company?
  • Do you have any friends or family members that already have car insurance with the company? Can those friends or family members give you a better guide on the company’s capabilities?

Other Important Issues

The past performance of a company will give you a clear understanding of what the company is all about, and how it has been able to handle insurance issues. It is also very important to understand their financial stability.

It is also critical to understand their financial stability. companies like A.M. Best, J. D. Power, and other independent rating auditors rank insurers on their financial ability to meet obligations. You might even try popular magazines like Forbes.

It is always important to investigate a company before choosing them as your insurance company.

You don’t want to find yourself in the position of paying a premium for a service, and, then, when the time comes for you to claim, find that the company is playing around with you because they do not have the capacity to pay for your claim.

Look for a company that has a good history and think about doing business with them.

It is critical to find a car insurance company who can give you the best rates in the market. However, it is also important to make sure that the company is a reliable source.

They should have a good reputation and the financial back up that every car insurance company needs to have to make sure that your claim can be covered promptly.

There are other simple ways of finding out how the company works and how it takes care of its customers. You can contact the company directly (either personally, by phone, or by other means) and ask them different questions about how they function and what they have to offer.

A professional and efficient company will get back to you as soon as possible, and will not hesitate to give you all the information you require. They will do this whether they are being benefited by it or not, as they understand the meaning of customer service.

When seeking a car insurance company look for an affordable and competitive rate based upon quote comparisons, a good customer service record, and a financially strong company.

Start the process by using the free tool provided on this page.

Enter your zip code and you’ll get car insurance quotes from several top car insurance companies today!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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