Another factor to take into consideration is the quality of service you receive from an insurance company. While all auto insurance companies want you to believe that they are as good, or even better than the next company; that is simply not true. There are drastic differences in overall service, claim handling, and personality of individual companies. One company may offer exceptional claims service, but perhaps it is very difficult to actually get in touch with the companies claims department; while another company may have terrible claims service, but their claim department is easy to reach.
One must ask themselves, Is it worth paying lower premiums to receive a lower quality of service, or am I willing to pay a bit more to ensure that my service is exceptional? Don’t misunderstand. Just because a company offers lower premiums, does not necessarily mean that companies level of service will be lacking. Great service can come at any price.
The most important item to remember while searching for lower premiums is to do your homework. Talk to your family, friends, and co-workers. Ask them where they are insured, and if they are pleased with their insurance company. Remember, not all insurance companies are created equally, for instance, a company that runs completely over the phone or internet will have different costs than a company that employs full time agents. That is because the cost of doing business is different for each of those companies. This brings the question again, What services do I value in my insurance company? Do I want the package Company A offers or that of Company B?
Low rate car insurance is in the eye of the beholder. Simply put, different services are worth different amounts to different people. So find the company with the services you desire and let the games begin.