Auto insurance providers aren’t what you’d call “a dime a dozen” but there are an awful lot of them out there. If you’re the type of person who’d much rather deal with a dedicated car insurance agent you can actually look in the face than the next available representative, you might need to shop around. Here’s a short checklist that offers tips on picking the car insurance company that’s right for you.
- Ask around. Even today, where just about all the information you could ever use is available online, word of mouth still reigns supreme to connect with quality auto insurance providers. If you’ve talked to your family and friends and still want a professional opinion, contact a local auto body shop and ask their opinion. They work with car insurance companies all the time and should be able to give you an insider’s perspective.
- Find an independent agent. Not every car insurance agent works for a specific insurer – some act as brokers by pairing up prospective customers with insurance companies. An independent agent will be in a far better position to pair you up with the insurance company that’s right for you, rather than someone who’s employed by the car insurer whose job it is to convince you to do business with them.
- Don’t be afraid to break a few hearts. The fact is, insurance companies are in the business of competing for your business. To that end, you should never sign a contract with any insurance agent unless you’re completely satisfied with the coverage and the rate you’ll be paying. You have the right to walk away at any time during discussions, even if it pains the agent sitting on the other side of the desk. Not being afraid to part ways amicably is part of finding the insurance company that’s right for you.