No two car companies are alike - they emphasize their strengths like customer service, better quality, safer vehicles, luxury, or economy. Insurance companies have just as many variations based on their corporate culture which is reflected in how they sell and service insurance. Not all insurance companies are the same.
Customer is Always Right!
There are some insurance companies that go above and beyond to provide the best customer service possible. This is their selling point - superior customer service! There are any number of cut-rate insurance companies who provide the most basic of coverage at the lowest price, but they may be lacking in the customer service department - how good a deal did you get if you can't get a reasonably quick response from your insurance company when you need to make a claim? Check out how other customers feel about the company's customer service - complainers will be loud and many (do an online search) if the company has customer service problems.
We Don't Offer that Coverage
What if the company has a good reputation, but they don't have a wide selection of insurance products? You have a house, car, motorhome and motorcycle, but the company doesn't offer all those products so you can't get a deal on bundling the products. Choose one that allows you to bundle!
I Just Want the Lowest Price!
Insurance companies are very competitive nowadays. You can definitely find one that beats all the others on price. Just be careful that you haven't paid for a bare bones policy when you really wanted full comprehensive coverage. Cultivating a good relationship with your insurance agent can be more important than getting the cheapest deal. Instead, try to think about getting the most bang for your buck - best coverage at the best price.
How do I Choose?
You need to talk to friends, the blogosphere and the companies themselves. Build a picture of the company you want to do business with before committing to coverage. After all, not all insurance companies are the same!
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