You can visit your state’sdepartment of insurance website and check on the published consumer complaintratios. These ratios are just an indication of how these companies deal with
claims. These ratios show the number of complaints that have been received by
the insurance companies for every 1000 claimed filed. When you have done your
research and obtained a list of auto insurance companies with lower premium quotes,
you need to examine the complaint ratio for each of the company in your list.
Another way you can
choose insurance is by consulting insurers body shops to get recommendations. A
local body shop may provide you with information about the insurance companies
you have in your list. Body shop managers interact regularly with insurance
adjusters and they will tell you of any hassles they go through in claim
processes.
These body shop
managers know which companies have the most hassle-free claim processes. The
claim process affects the way in which body repair works are completed on
damaged vehicles. If a body shop experiences difficulties in dealing with the
insurance adjusters, the same is mostly likely to happen to you as an insurance
policy holder.
In addition, the body
shop managers also know which companies try to push for aftermarket auto parts
instead of genuine original parts or OEM in a bid to cut costs. Moreover, J.D. Power and Associates is an organization that collects data from individual
policyholders and rates them based on claim handling, coverage options,
pricing, and satisfaction with the insurers. You may get useful information
from this organization.
If you are still not
convinced on the insurer to choose, you may consider working with an auto
insurance agent. Working with an independent agent could eliminate some of the
bottlenecks you face when choosing an insurance policy. These agents are familiar
with your insurance needs and will guide you accordingly on the way forward. An
independent agent can determine the less advantageous issues with a particular
company and help you choose another or move to another company.
Additionally, when you
deal with an independent agent, you can change carrier without necessarily
changing the agent and this is why it is important to develop a relationship
with an agent. Choosing the right insurance company at the right price can help
you save money and avoid the barriers witnessed when you make claims. Many
policyholders do not know how the process of placing insurance claims can be
challenging unless they are involved in an accident and want to make a claim.
The process of
initiating a claim can be a daunting to the policyholder and this is something
you can avoid if you make good judgement. You should not be enticed by the low
premiums coverage offered without critically evaluating the customer-relationship
of the insurer with clients.
