If you’re shopping around for a new insurance policy, you might want to consider some of the following in making your decision. There are some really good companies out there that you can count on to come through when you’re in a wreck. There are others that are so bad that you’d be better off taking the money you spend on their premiums and burning it for all the good that they’re going to do you.
Consumer Reputation
You can check just about any company out at the Better Business Bureau. Even if you’re using an agent to shop around and find you the best rates, you can use the BBB site to get reports on that agent, quite often. Remember that most businesses will have at least a few complaints if they’ve been in business for long enough. What’s important is how they resolve those complaints. Take complaints seriously, but remember that some people complain about every business they use, as well.
Rates and Coverages
Make sure you take a look at what kind of coverage you can get beyond the state minimum. This is where you’ll find the value that the company offers. Most companies compete to offer very low rates on state minimums, but that level of protection is really not enough. You’ll want to make sure you have enough coverage to take care of collisions when no one was responsible and to cover other expenses, as well.
AAA May Have Deals
AAA has been around for a very long time. This non-profit can sometimes get members very good deals on insurance. Even if you have a great insurance company, the coverage that AAA offers for roadside assistance is usually better, and less expensive, than what most insurance companies would charge. Take a look at AAA and see what they have to offer.
Discount Insurance: You Get What You Pay For
Sometimes, people with bad driving histories will have to go with discount insurance providers who would insure anything and anyone. If you can avoid this, do so. Oftentimes, they’re not at all cooperative when their clients need them and, because of that, you may end up paying out of pocket for expenses that your insurance company should cover.
If your insurance company gives you a hard time about money they owe you, contact a lawyer. An attorney may be able to help you to get them to pay what they owe.
