Auto insurance can be one of the most expensive purchases a driver makes for their vehicle, which is why those interested in a policy should do their research and compare car insurance quotes to find the plan that works for them.
Almost every state’s Department of Insurance website contains consumer complaint ratios for all of the insurance companies in the area, allowing users to see how many complaints an insurer has received. In addition, state websites usually provide basic rate comparison surveys, allowing interested shoppers to see what insurers may charge and helping them determine the best car insurance for their financial situation.
Find and compare complaint ratios for their state
If a consumer is unable to find complaint ratios for their state, he or she should look up the complaint ratios published by other states to see if there is a certain company receiving bad reviews across the board.
J.D. Power and Associates also publishes auto insurance reviews based on data collected from individual policyholders across the country. The review spans coverage options, prices, claims handling and customer services experience, giving consumers an idea of how various companies may treat them as a policyholder.
Car insurance comparison websites can provide several insurance options
A car insurance comparison website like CarInsuranceQuote.com is another step that can help consumers compare car insurance policies. Independent agents or comparison websites in particular are key, as they usually represent several different companies, meaning they do not have a vested interest in recommending a particular insurer. Furthermore, the website said agents are aware of problems or complaints associated with particular providers, allowing their customers to receive accurate car insurance comparisons from a neutral third party.
Your car insurance premium may depend on the vehicle you drive
Vehicle models have a huge impact on potential auto insurance rates. New automobiles with a variety of features will cost more to cover and are likely to require more insurance to protect against costly repairs or replacement in the event of a collision. Insurers have a rating system devised by the Insurance Services Office for every car on the market, with ratings spanning 1 to 27 – the higher the number, the more expensive the premium.
Your location can influence auto insurance rates
Location also has a massive influence on potential auto insurance rates. A recent report found that Louisiana has the priciest rates in the nation, with average premiums costing about $2,510 in 2010. Urban areas often have higher insurance rates due to heavier traffic and the higher potential for vehicle theft, something car insurance shoppers should keep in mind if they are concerned about prices. The website reported that Maine had the lowest premiums last year at an average of $903, closely followed by Vermont, where the annual cost came to $968.
Compare car insurance rates by investigating all of the different options at CarInsuranceQuote.com.