You need life insurance to provide financial protection to your family in case you should unexpectedly pass away. You need auto insurance to drive legally in your state. And without homeowners insurance, you could face serious financial losses if a fire, tornado or other catastrophic event destroys your home. But when buying these insurance policies, you want to make sure that you’re working with a reliable, trustworthy insurer.
So which insurance agency, then, is the most reputable?
Not surprisingly, the answer to that question is complicated. Simply put, there’s no way to determine which of the many insurance agencies across the country is the most reputable. Many insurers provide top service, excellent coverage and responsive agents. The key is to find the reputable insurance agency that is the best fit for you and your family.
Some agencies, for instance, are known for their customer service. It’s easy to contact your particular agent, and it’s simple to get a company representative on the phone. Others may offer many offices in your community, so it’s easy to stop in and ask questions in person. Still others might do most of their business online, and may have few, if any, brick-and-mortar locations in your neighborhood.
Many insurance providers are known for their low prices. Others advertise themselves as providing the most policy options. Still others will advertise their experience, especially if they’ve worked in the insurance business for decades.
Your challenge is to look at all that the many insurance agencies offer. You then must decide what factors are most important to you. Are you looking for the lowest possible price? Maybe you want an agency that has a large footprint in your community. Maybe experience or a portfolio filled with a wide variety of insurance policy options is most important to you.
The good news is that searching for a reputable insurance agency is a simple task today. Simply log onto an insurance-comparison Web site and you’ll be able to compare quotes and policy types instantly.
There is no easy answer to the question of whether you can get insurance for a car that does not have your name on the title. It really depends on the insurance company and the rules they go by. We all know people that have insurance on a vehicle that is not in their name – but we may not know exactly how they got it.
One way to be sure you can insure a vehicle that is not in your name is to name the person on the title on your insurance policy also. When you give the information to the insurance agency – you can name yourself as the driver. Most of the time this is sufficient to take care of any problems. Of course, you may also want to talk with an independent agent who can compare quotes from several different top providers and find the one that will give you the best rate.
You will want to make sure you have adequate legal coverage on the car before you begin driving. If it is an older car you will probably only need liability insurance and if you owe money on the car you should probably purchase full coverage. No matter whose name is on the title, if the vehicle is involved in an accident, someone will be responsible for the damages to the other car and any injuries to the driver or the passenger. Make sure you can afford a great insurance policy by comparing quotes online.
The best way to answer the question about whether you can purchase insurance for a vehicle that is not titled to you is to speak with an independent agent. This insurance professional can check with several reputable providers to find out what their requirements are and how much a policy will cost. It is always a good idea to compare quotes to make sure you are not paying too much for car insurance.
It can be difficult to determine with absolute certainty which insurance company is the “worst.” However, there are several characteristics of insurance companies that buyers should avoid when shopping around for insurance coverage. First things first, you should research the background of an insurance company by reading the reports submitted by rating companies such as Standard and Poor’s, AM Best, Weiss Ratings, and Fitch Ratings. Each of these rating companies features a comprehensive, user-friendly website that any buyer can visit to get a better understanding of the financial security of a long list of American insurance companies.
In addition to researching the insurance company’s ratings, you should also conduct a general internet search for any lawsuits or complaints that may be following certain insurance agencies. For example, the insurance giant Allstate has had more complaints filed against it than any other insurance company. It has been reported that employees of the company were instructed to lie to customers who filed honest insurance claims, and sent away many individuals who rightly deserved compensation. The CEO of Allstate, Thomas Wilson, has publicly claimed to be more concerned with pleasing the company’s stockholders than its customers.
One of the most effective ways you can determine whether or not an insurance company is honest and dependable is by comparing the experience and information you receive from multiple agencies. Be sure to verify the information given with a credible source online to ensure which is the most accurate. After testing the waters at multiple agencies, you can make your decision based on which agency offers the best value and which one you feel most comfortable with personally. Your insurance agency should be willing to accommodate you, and should be willing to go out of their way to answer your questions and offer multiple solutions. If a meeting with an insurance agent makes you feel uncomfortable or uncertain in any way, it is usually best to go with your instincts and continue searching elsewhere.
There is actually a bit of strategy involved when shopping for the best deal for insurance in Texas. All insurance companies are different and they all have different standards when determining rates and which applicants get the best premiums. It is up to the individual to shop around for the best deal possible.
What Type of Insurance are You Looking to Buy?
Many times an insurance agency will sell different lines of insurance. They may offer automobile, homeowners, life, medical and several other types of policies all under one roof. As a consumer, you may find that a particular company has especially low rates on automobile insurance, but higher than average rates on medical insurance. If you are shopping for car insurance, then you are in luck. If you want medical coverage, it would be to your benefit to continue shopping around.
Before you actually set out to buy insurance, you should define your needs and then do a comparison on the exact same coverage between several companies. Unless all the variables are kept the same, you can not truly evaluate which insurance company is offering the best deal on coverage.
Cheapest is Not Always Best
Just because an insurance company might save you $10 or $20 on your premium does not necessarily mean that you should sign up with that insurance company. Other factors such as customer service and the way claims are handled are very important even though they do not have a direct monetary value. You do not want to have an accident, file a claim and then be kept on hold forever. It is definitely worth paying a little extra for great customer service.