Why Your Insurance Company Matters

If you have been faithfully paying your insurance premiums year after year and have never had an accident or filed a claim, you might think that your insurance company is as good as any other insurance company. That may or may not be true. Until you actually need to file a claim and deal with the insurance company, there is little reason to question how good your insurance company really is.

Once you need to file a claim you will find out just why your insurance company matters. The following are some reasons why you should be very selective when choosing the right company for your insurance needs.

Customer Service

Like any business that provides a service, the more accessible they are, the easier it is to contact them when you have a question or a problem. Whether you have a question about your policy or want to talk about increasing your coverage or adding a new policy, having a caring and helpful broker across the desk from you or a friendly voice on the phone makes all the difference in the world.

Handling of Claims

Is there anything worse than filing a claim after having an accident and having to wait three months for your insurance company to issue a check so you can get your car repaired? Everything from how quickly an insurance company handles a claim to how much they award you for the damages to your vehicle indicates just how client-friendly that insurance company might be.

Renewal Time

When it comes time to renew a policy, does your insurance company always bump up the premium by a few dollars? Even if you have never filed a claim, many insurers choose to add a little to their bottom line at your expense. Look for an insurance company that rewards loyalty and a good record by either not raising the premium or actually giving you a little discount.

Compare Insurance Quotes for Service as Well as Value

Compare Quotes Today!When it’s time to compare insurance quotes because you’re buying a new home or car, or you’re doing a periodic review of your insurance policies, it’s important to look at a number of aspects. First and foremost, you should consider how much an insurance policy costs in terms of monthly premiums and deductibles in regards to the coverage provided. But when you’re buying home and auto insurance, it’s also important to investigate what quality service each insurance carrier provides. And though this might seem like an impossible task if you’re not currently a policy holder with the company you’re looking at, it’s really not that difficult at all.

How to Investigate Quality of Service When You Compare Insurance Quotes
Once you’ve received your free quotes from a reputable insurance comparison website like AgentInsure, go to the websites of the different insurance carriers. Spend some time navigating each website to find out what types of assistance and information it offers. Does it have clear information about different types of policies? Are there informative articles, news updates and blogs? Is there a Frequently Asked Questions page? Is there a secure login option for clients who want to access their accounts online? Are all necessary phone numbers listed, and does the website offer the option of a live chat with a customer service representative? Once you’ve seen the websites, try calling each company’s customer service line to see how quickly and efficiently your call is handled. Last, but not least, go to the Better Business Bureau website and read the consumer reviews for each insurance carrier to find out how other customers rate them.