Prior to jumping on-board with just any insurance company out there, it is vital you do the proper amount of research to ensure you get the best company auto insurance for your situation. Getting quotes and looking up information online is the first place to start. But calling to get your questions answered is a must when the list of providers has been narrowed down to a few.
The first question you want to ask is what kind of plans and policies they offer. You would be surprised to learn that each company auto insurance provider has their own plans with discounts, rates and details differing from one another. There is no sense in signing on with a company that doesn’t offer exactly what you are looking for.
What kind of support does the company offer? Often times you need your insurance company at the worst of times. When the time comes that you get in a serious accident or fall victim to vandalism, you want to know the insurer is ready and willing to step up and take action to protect and serve you.
Rates can be high no matter what company you opt to go with. However, many company auto insurance providers do offer discounts that can help ease the burden of an outlandish monthly bill. Ask each insurance agent you speak with what kind of discounts they have available. Are there safe driver discounts? Do new customers qualify? What about seasoned customers?
The great thing about the internet is you can quickly jump from one company’s web site to the next. But when you do decide on a company that offers what you’re looking for at a price that is reasonable, it is nice to know there is local support when need be. Ask an agent where the closest business or office is to your home so you can stop in when need be.
You will want to figure out what kind of payment options the company offers. Just know the more options available the better. You don’t want to get stuck having no checks and an expired credit card and the company doesn’t accept cash. From cash and checks to automatic withdrawals and credit cards, find a company that accepts multiple forms of payment.
The final question that deserves an answer from each company auto insurance provider is its track-record, its reputation. Get referrals the company and follow up with them if possible to hear in person what they feel about the insurance agent. New, start-up companies are not necessarily bad, but it is risky to put your trust into a company that is just getting going. The safer bet is to go with a company that has years of experience and a lot to back up their claims.