The price of a policy will be a big factor in determining which auto insurance company gets your business, but it should not be the only factor. There are many characteristics of a good auto insurance company that need to be considered.
Number of years in business and reputation
How long an insurance company has been selling policies and the reputation they have earned will go hand-in-hand. You want to avoid companies you have never heard of before. The competition to sell insurance policies is intense. Much of this is due to the Internet, where the consumer can compare rates and buy the cheapest policy. You can do research yourself, but it is often best to ask family and friends for recommendations.
Buy from an agent that works for the insurance company
There is a proliferation of insurance agents who act as brokers, especially on the Internet. They work with several insurance companies and will take your information and attempt to get the cheapest policy for you. Although this sounds good, when you need assistance from an insurance company or want to file a claim, things can become difficult. If you live in Davis County, for instance, it is better to get a policy through a bear river insurance agent that represents the insurance company. This type of insurance agent is service-oriented because he or she wants to represent a specific insurance company well.
Emergency roadside services
A good auto insurance company offers more than insurance. It will be greatly beneficial to have roadside assistance included with your insurance policy. Make sure that your policy covers the expense of getting your car towed to a mechanic. You will also want a 24-hour toll free number to call if you have an emergency with your car.
A variety of discounts are offered
A good auto insurance company offers lower premiums for such things as your security alarm system. Owners who park their cars inside a locked garage will enjoy discounts as well. If you have more than one car or a recreational vehicle to insure, there is often a discount for multiple polices purchased through the same company. Always inquire about the discounts available.
There are a few companies that have the attributes listed above. These companies offer policies to drivers throughout the county. You can visit your local insurance agent to get additional information.
