Before purchasing auto insurance from any specific provider, determine reliability of the provider. This is essential to be sure of receiving your claim amount if need arises. Choosing the best auto insurance provider rests on various factors:
Customer dealings: Talk to customer service staff of your insurance provider. If you receive prompt and responsible replies to your queries, you can expect necessary and efficient customer service in your time of need.
State Insurance Department: Before choosing auto insurance provider, check state insurance department for licensed and reputed insurance providers in your state. State insurance web sites publish consumer complaint ratios for all insurance companies. This gives you an idea of the number of consumer complaints received in response to claims filed.
J.D. Power Ratings: J.D. Power and Associates collects details from individual policyholders regarding coverage, costs, claims handling, customer satisfaction, and others. Accordingly, they award rating to specific insurance providers.
Check on these ratings before purchasing insurance from any provider. Similarly, check financial ratings of auto insurance providers through ratings published by A.M. Best, Standard & Poor’s, and similar others.
Body Shops: Local body shops can recommend suitable auto insurance providers as they regularly interact with insurance adjusters. This gives them an idea of best auto insurance providers offering simple and smooth claim proceedings and companies offering cheap spare parts in place of genuine company parts too.