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cheapest auto insurance company

Who has the Cheapest Auto Insurance?

Now and again consumers create false impressions that a higher price tag equals higher value. When it comes to buying auto insurance, many people can be led to believe that better coverage and exceptional customer service automatically come at a higher price.

If this is you, rest assured that there are a number of cheap car insurance companies that deliver an excellent experience and great products, while keeping your wallet at ease, too.

Falling into the trap of thinking that cheap cost means cheap value is easy to do, especially when youre trying to protect an investment as important and expensive as your car. Comparing car insurance  can also seem like an overwhelming process, and if youre not completely sure what youre looking for or what else is out there, you may still end up coming out on the short end of the process (and the paycheck).

The following is advice to compare companies, find the cheapest quotes, and gather who has the best auto insurance that is affordable to your budget and fits your needs:

• For starters, youll want to start in a spot that you may not even know exists. If youre like many people, you probably don even realize that each state has a Department of Insurance. What do you do with this website once youve found it? Harness the power of the consumer complaints data to find out what your neighbors think and what kind of experiences theyve had. Just because a company has a big marketing budget that has been designed to make you feel safe and secure, it doesn mean theyre actually able to deliver on those promises. Knowing how your neighbors experiences went with certain companies will help you make a more educated decision.

• Consider what important to you. In this age of having all information available at your fingertips, you may not realize how much you rely on things like mobile apps for your insurance company. Some of the largest carriers are able to provide you conveniences that other companies haven quite caught up to because of their online platforms or user interfaces. If it important for you to be able to access an app or have access to a customer service representative around the clock, make sure you keep this in mind from the beginning of your car insurance journey.

• Report cards aren just for fifth graders. Make sure you review your potential companies own report cards. J.D. Power. A.M. Best. and Standard and Poor are excellent resources for determining where a company stands amongst its peers.

• When you compare car insurance. using a company that values its reputation of trust with drivers and body shops alike is imperative. Take a look at the report cards to see how companies are rated with customer service, claims processing. and overall satisfaction.

• Take only what you need. Youve heard this from your parents and teachers for your whole life. At some point, we have to admit that those people may have been on to something. When it comes to your automobile, cheapest insurance companies may be the best way to go for people with both stellar credit, as well as those struggling to rebuild their credit rating. If you have a brand new car, youll likely want to protect it to the highest ability that you can. However, many people are over-insuring their cars. Meaning, if your car is paid off and aging, you might want to consider lowering your costs by implementing a liability coverage.

• Ask the car insurance company about discounts. Everyone likes a discount. Insurance companies offer many different discounts to their customers. The trick is they don always tell you about them so you have to ask. Combine your renters / homeowners insurance with your auto policy. This will give you an extra discount and help ensure your rate is a little cheaper. Car insurance companies offer many types of discounts such as good driver, discounts for students, and taking road safety tests. Speak to your insurance agent or company.

No matter what your reason for seeking out a policy that is the least expensive, money matters. Finding the cheapest car insurance company that fits all your needs is imperative. Use these tips to ensure a safe car, ride, passengers, and wallet.

The following is a 2013 research consumer based ratings survey conducted by insure.com that compared insurance companies as rated by customers. Items include: Overall satisfaction, claims processing, coverage options, customer service, and financial strength. 

(Thinking about service, coverage and price. You can use the following table as base as to where to begin your comparisons. )

cheapest auto insurance company