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How to Choose a Top Car Insurance Company

Bovo Law Feb. 15, 2010

Sometimes an individual will become dissatisfied with their old car insurance company and will start the process of looking for a top car insurance company to replace the old one. When this is the case, individuals will not only want to know how to choose a top car insurance company, but also how to smoothly do the transfer from the old company to the new one so that they do not have to pay two car insurance companies at once.

Normally the transfer will be done at the end of the term for the old policy, so that the new policy is written to activate a day or two before the old one expires, with the old company notified that they will not be renewing for the next term. This means that individuals will normally have about three months from making the payment on their old policy to research and find a new one to get in place at the end of that time. Some individuals may pay monthly, every six months or yearly, so they would have to do the same thing or see if their insurance company will pro-rate the money on the old policy.

Where to Look

When looking for a top car insurance policy, individuals will often check car insurance company comparisons. These can be found in different magazines as well as online at different websites which allow users to input their basic information and will give them a list of different car insurance companies with the quotes to go with them. This allows individuals to compare pricing and also car insurance plans in order to choose the one that is right for them and their family.

Another place to look for a top car insurance company is to check the state’s department of car insurance since they will often have car insurance companies and the ratio of customer complaints that have been listed with them for each company. In addition, body shops are another great place to get a feel for the quality of customer care given by a car insurance company since body shops have to deal with car insurance companies on a regular basis. They will usually be able to tell customers which companies seem the easiest to deal with and have the least amount of complaints from the customers.

J.D. Power and Associates is another resource that individuals should check when searching for a top car insurance company to switch over to since they collect information from car insurance policy holders across the country so that they can list out the findings from that research. They tell what the overall customer satisfaction is with all different areas of the car insurance coverage experience, from pricing to claims.

The foregoing article was written by the author based on experiences she has had. This article is not stated as a legal opinion or as fact but instead is stated as opinion of the author.