Jeff Obama : How can I chosse the right insurance company and get the low auto insurance quotes?

Response : The question which is utmost in the mind of all persons for low auto insurance quote is the choice of the insurance company, rather than low car insurance rate.

I would like to show you the ways of  finding out the right insurance company.  Your state insurance department might also provide comparisons of prices charged by different insurers.  (State insurance department phone numbers and Web sites can be found here.)

A smart persons would also like to Check the financial health of insurance companies with rating companies such as A.M. Best (http://www.ambest.com) and Standard & Poor’s (http://www.standardandpoors.com/) and consult consumer magazines, at all times especially in the recession.

However here are a few points which I would like to bring to your mind  before you decide on the chicken or the egg (the insurance company or the car insurance quote).

  • The greatest comfort about auto insurance and general insurance companies is that the policy is normally issued only for a span of  one year and so it is not going to be a matter of  your pension funds or your life savings going down the drain if the company goes bankrupt.
  • Insurance companies in all states are highly regulated and hence, even if the company is sold out to another insurer the clientele  is transferred to the new insurer.
  • It is mandatory for insurance companies to maintain a reserve ratio.

Based on the above facts, I strongly feel that it is necessary to find a stable company, but it is more important to find a compnay who renders good customer services. You can ask your friends and relatives to refer you to one because of their good customer service. Some insurance companies do direct marketing and some sell through an agent. The agent should be one who is ready to talk to you and answer your questions.

However, I think you are more smart if you get the correct pricing for your insurance – low and cheap premiums would be the key that I would suggest since you are paying less for the same risk. Get different quotes and compare them. It’s best to shop around and find out what is available and the options available. The prices vary from company to company. The right quote for you is the key to your savings, if you get this you will naturally have got a low auto insurance rate!

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Filed under: Need and Choice for Auto QuotesReview Car Insurance Coverage

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