| One of the best ways to identify reliable insurers, | | | | Decide whether you want 20.000 $ coverage per |
| according to us is to contact local body shops | | | | accident or 100.000 $ coverage per accident. |
| that you trust and ask for their recommendations. | | | | Normally, people will try to save money and |
| Body shop managers have unique perspective to | | | | choose a lower coverage. Personally, I would |
| offer, since they regularly interact with insurance | | | | recommend choosing full coverage that would |
| adjusters. They know which companies have the | | | | cover an accident fully. The reason is beacuse the |
| smoothest claim processes, which affects how | | | | price difference between the two are minimal |
| quickly the work can be completed on a damaged | | | | compared to the amount of they cover. For |
| vehicle. And they know which companies are | | | | example, the difference maybe 10$ amount which |
| pushing aftermarket parts, in lieu of genuine | | | | means 120 $ a year; however if you get into an |
| original equipment manufacturer (OEM) parts, to | | | | accident, the insurance policy will pay you maybe |
| cut costs. | | | | 80.000 rather than 20.000. You see the |
| Some insurance companies have chosen to | | | | difference? |
| eliminate the agent and use the mail, the | | | | FOr the general consumer, looking up these |
| telephone, or the internet to sell their products. | | | | ratings is only a formality, since most of the |
| The property and casualty companies are always | | | | well-known carriers are going to be a safe bet. |
| in a battle for market penetration. The insurance | | | | Moreover independent agents would be unlikely to |
| companies have to walk a fine line between new | | | | recommend a company either dubious financial |
| acquisitions and exprende to do business. This is | | | | standing. Still, if you're considering a smaller , |
| important information for the consumer because | | | | unfamiliar insurance carrier, you might consider this |
| they are the ones making the final decision on | | | | research time well spent. Insurance companies |
| who is winning. The best insurance companies for | | | | often provide this information on their Web sites, |
| you may be completely different than one | | | | but if not, you can run a personal search for the |
| preferred by your next door neighbour. Time and | | | | Best onle companies. |
| experience have a way of guiding you to your | | | | Of course we know you have better things to do |
| choice of companies. | | | | with your time than think about car insurance. |
| If you've done your homework, you should | | | | Realistically, most people won't be able to do |
| already have a list of a car insurance companies | | | | everything on this list begore choosing an |
| with the lowest premium quotes. Now get down | | | | insurance carrier. But if you feel that you've been |
| the companies with the lowest (or best) complaint | | | | burned during the claims process in the past, |
| ratios. Then, compare your two lists – the | | | | consider at least one or two of these suggestion |
| companies that rank best on both lists merit your | | | | – you'll thank yourself if you're ever |
| strongest consideration. | | | | involved in another accident. |
| Also decide the amount of coverage you want. | | | | |