| Every car owner knows how important it is to have | | | | are reliable is by asking around in your local body |
| car insurance, but how do you go about finding out | | | | repairs shops. It's best to ask those that you know |
| which insurance companies are reliable? When using | | | | and can trust. This is because these repairs shop |
| the word reliable, it is meant in the terms of how | | | | managers have a lot of dealings with car insurance |
| these insurance companies treat you as the paying | | | | loss adjusters. By having regular dealings with car |
| customer. More importantly, how will they deal with | | | | insurers they know which ones have the best claims |
| you when it comes to filing a claim? | | | | processes which will dictate how quickly your car |
| One way of doing this is by going online and taking a | | | | repairs are done. They will also know what |
| look at your state's department of insurance website. | | | | companies push for genuine parts replacement and |
| Most people do not even know that every state has | | | | those that go for aftermarket parts which reduce |
| a department of insurance. On these websites, you | | | | the cost of repairs. |
| will find a list of all the insurance companies that are | | | | Maybe this all sounds too time consuming? Then you |
| eligible to sell car insurance in that particular state and | | | | could try using an agent. In days gone, by this was |
| most do publish what is known as a consumer | | | | the only way in which you could purchase car |
| complaint ratio. This will let you know how many | | | | insurance. Unlike today when you can call direct or |
| complaints any one insurance company has had per | | | | get an online quote. A lot of the big names in car |
| 1,000 claims that have been filed. This is a good way | | | | insurance business still hold onto their networks of |
| that you can use the complaints ratio against any | | | | local agents. |
| potential insurance company your thinking of using. It | | | | There are basically only two types of agent- the first |
| doesn't go hand in hand that just because the | | | | being the independent agent and they are usually |
| company may be a big player in car insurance they | | | | called brokers. These brokers will deal with many |
| will be easy to deal with. | | | | different companies so they do not have anything to |
| After you have done your research and drawn up a | | | | gain from pushing for one company over another. |
| list of those companies that you may consider doing | | | | The other type of agent is known as a captive |
| business with, you then need to make a list of the | | | | agent. These agents will deal with only one insurance |
| ones that have the least complaint ratios. Take your | | | | company so you will not get any comparisons to |
| two lists and compare the companies that come out | | | | work with. |
| on top of both lists are those that you should | | | | Choosing the correct or most reliable insurance |
| advance with. | | | | company is a time consuming process, but anyone |
| Another useful thing about using these sites is that, | | | | that has had a hard time in the past will know that a |
| they will often give you a basic rate comparison | | | | little time spent on research can save you a lot of |
| surveys results on which insurance company based | | | | headaches should you have the misfortune to have |
| on your finances you may like to do business with. | | | | to make a claim. |
| Another potential way of finding out which insurers | | | | |