Whether you are buying your first policy or looking for a better value for your dollar, it is important to get coverage that makes sense for you. Which auto insurance companies provide the best coverage and the best value? How do you know if that coverage meets your real life needs? Many people start with an online car insurance quote comparison, but it can be difficult to compare “apples to apples” when you are reviewing car insurance through online searches.
The Shocking Truth Behind "Big Brands"
The Trusted Choice brand is built on the customer focused integrity of more than 300,000 business owners, agents and employees nationwide. With more local insurance agents than State Farm and GEICO, this network of agencies serves more consumers and pays out more claims
What You Get with a Big Brand Insurance Company
Comparing car insurance rates through a company whose ads you see on TV is one way to get multiple quotes. The challenge is that you are not typically comparing multiple companies. In other words, you may be able to compare various levels of coverage through the same insurance carrier, but at the end of this process some challenges remain.
For example, you may not feel that the company has your best interests in mind. The goal on the other end of the phone line may be a sale and a new customer, not optimal service.
Additionally, you may not be able to determine whether the representative provided the best auto insurance for your needs and your budget.
What You Get with an Independent Agent
Independent agents write policies for multiple insurance companies. As your agent, they will be able to compare car insurance prices, policies and options with you. This means you have more choice and control over your coverage.
What if you have multiple vehicles? Good news! This means you can combine policies and get discounts. Your agent will also have access to a range of additional discounts that can lower your auto insurance costs. Ultimately, you will have a customized policy that is affordable and well matched to your real life needs and risks.
Questions to Ask When You Compare Rate Quotes Online
- Are the deductibles and limits the same on multiple sites and do they match your needs?
- Is the amount of liability insurance appropriate for the real life risks you face?
- Are you comparing the same amount of liability insurance in your price comparison?
- Are you comparing the same amount of collision and comprehensive coverage?
- Are the coverage amounts, limits and deductibles right for you and the value of your car?
About Online Car Insurance Quote Systems
Every quoting system is different, and each insurance company uses its own unique algorithm to get a quote. The accuracy of the estimated quote is based on how much information the online tool requires and how truthful and complete you are in providing answers. For example, if you don’t mention a speeding ticket, your actual quote will be very different from the online estimate.
Online quoting tools differ considerably in the amount of personal information they gather in order to provide your quote. If you want to compare quotes from multiple online tools, you will be entering your contact information into multiple databases.
Comparing Car Insurance Companies
Whether you work with a big brand company or a Trusted Choice agent, your insurance policy will be provided through an insurance carrier.
While comparing auto insurance rates, you can review the benefits of working with the various insurance companies as well. It is also a good idea to compare car insurance companies based on customer satisfaction, or a rating system such as AM Best. If you do need to file a claim, you want it to be with a company you can trust.
Choosing Your Auto Insurance Policy
After comparing auto insurance rates and coverage choices, you and your agent will have found a policy that meets your needs. Before you buy, make sure you understand the details of the plan.
Most insurance plans have restrictions and exclusions. And the amount of coverage you choose is important too. Many drivers are not aware that their policies are not adequate until after an accident, when they have to pay out-of-pocket for vehicle damage and medical expenses. It is vital that you discuss those limitations with your agent, and evaluate coverage options that may help you to weather accidents and the claims process with ease.
When you work with your Trusted Choice member agent, be sure to discuss discount options. You may be eligible for a number of discounts that will help to make your auto insurance more affordable. Contact a member agent today to get started.
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