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