Which Auto Insurance Company Is The Best?

Best Insurance CompanyIn today’s competitive marketplace, the large number of auto insurance companies can make it difficult to unearth the one that suits you best. Comparisons are hard to make, especially when you don’t know what you need to look for. Even when you have a good idea of what you want, how do you find the right provider?

The Best Auto Insurance for You

No two insurance companies are alike in all respects. For your peace of mind and to know that you’re dealing with a legitimate entity, you need to ensure that the insurer you choose is:

  • Licensed in its state of operation. If you’re not sure, your state’s department of insurance should be able to clue you in.
  • Financially stable. An insurance company whose economic footing is less than firm could find it difficult to meet the demands of any claim you might submit.
  • At the bottom of the scale in consumer complaints. The websites of many state departments of insurance publish insurers’ consumer complaint ratios for your information.

Once you have verified the legitimacy of your choices, it’s time to compare differences in auto coverage and rates. This can be a time-consuming chore, but unless you do it thoroughly, you can’t be certain of getting the policy that suits you best.

When Your Driving Record Is Less Than Stellar

Every insurance company on earth bases its rates on risk. The more they fear your policy could cost them, the more they will charge you for coverage. Naturally, those with the best driving records receive the best quotes, but not everyone is that fortunate, and when it comes to counting against you, some prior infractions are bound to hurt more than others.

Accidents and moving violations are close to the top of that list, and a conviction for driving while intoxicated or driving under the influence will land you squarely in the high-risk category. Despite your history, however, obtaining auto insurance can still be possible. You’ll just have to shop around a bit harder and expect to pay a higher premium than you might like, possibly from a high-risk/non-preferred insurer.

If you know for a fact or even suspect that your prior driving infractions could stymie your attempts to obtain automobile insurance or subject you to exorbitant rates, it’s best to review your driving record before beginning your search. This will prevent sticker shock when the companies come back to you with a quote. In the end, your best chances will come when you’ve cleaned up your driving record. In many states, this could happen after three years.

When Your Credit Score Is Lower Than You’d Like

At first glance, it may appear that your credit rating should have nothing to do with your ability to obtain a good rate on auto insurance. Unfortunately, it does. The insurance companies want to know that you pay your bills on time. If you do, there’s nothing to worry about. If you don’t, insurers will consider you high-risk and raise your premiums accordingly.

Before you shop for car insurance, it can help to get a copy of your credit rating to learn what specific transactions, if any, have lowered your rating. Something on there may not be correct. If you can straighten out the questionable items and do whatever else you must to raise your credit score, your insurance premiums should go down.

Getting Your Car Insurance the Smart and Easy Way

Let’s face it: Not everyone has the time or the energy to shop for auto insurance on his own. At All Kinds of Insurance, we do the legwork for you. You can’t hit the road without auto insurance, and to get exactly what you need, you’ll want to work with a broker who knows the insurance industry from the inside out.

You’ll find that broker at All Kinds of Insurance. Our agents take the time to review your driving record and use that information to connect you with the insurer who we know will suit you best. Your history may overflow with accidents and moving violations, but that doesn’t mean you’re out of luck. In addition, no two companies are going to quote you identical rates for equal coverage. When it comes to determining risk, every auto insurer is unique.

You know you need insurance, so don’t wait another minute to start your search. Whether you are high-risk, low-risk or no-risk-at-all, the auto insurance agents at All Kinds of Insurance will connect you with the policy that’s bound to suit you best. Contact us at 702-534-4697 today!