"10 steps to make sure that" if you read our articles, you should be able to find a good idea and how to purchase low-cost strategy for a large number of auto insurance. But how do you make sure that you have been signed and the company is reliable? When I say "Reliable" We are talking about how to deal with clients, insurance companies, the most important thing is how to deal with your claim?
To answer this question we have two insurance professional counseling: Dennis Howard sponsored insurance funds, consumers give the pension insurance and Doug Heller, a consumer protection and consumer rights, Network of California. the taxpayer and consumer director (I-CAN) among supporters. Both sides have some ideas for auto insurance consumers have decided to make sure that moving towards investment trust and connection with the payment in full.
1) to the state Department of Insurance website. While you may not be familiar with, say, every country has security department. Most agencies have published a number of. "Value for the Consumer Complaint" on their website, all insurance companies selling policies of the country. This ratio shows how many complaints an auto insurance company for compensation claims for 1000.
Two experts advise consumers to use the speed of the complaint of security that may occur on the screen. "This does not mean that they are a big name would be" good neighbors. "Or something" in their hands. "Heller said.
If you do your homework, then it has the lowest auto insurance companies must offer premium listings. Now save the relationship lowest complaint. (Or best) and then compare the two companies - the ranking lists of the best companies the right to be considered strong.
If you can not find the ratio of complaints of your state, I suggest you check the speed of a complaint issued by Heller in other countries, the proportion of poor people in the country must be a state that is not meant to be. same thing - business practices may be different insurance remember, the United States, however, the general trend, if the insurance company received many complaints from many others that you can participate in the company on the site of the I-cAN to connect. connected to the insurance sector and contacts for each country.
In addition to this website, the insurance sector will provide the basis to explore comparative rates (for example: as stated on the website that you use) without having to fill out all of your insurance company can give you a rough idea might be interested in the frame. finance
2) a body shop is recommended to have insurance. First, consistent with how best to monitor the insurance company you trust, Howard and you trust their advice to contact for collecting body parts. Body Shop Manager has provided a unique perspective because they regularly interact with insurance regulators. They will affect the functioning of the company can be done to the damaged car and knew that the process was smooth some of the more creative pressing equipment manufacturer (OEM) parts, aftermarket parts. Sales to cut costs
3) JD determine the ranking JD strong in countries and companies that combine data collected from policy holders of each individual and depends on the funding options for the special price of processing their claims. he met with representatives of the company and the overall experience. Coating method doctorate of jurisprudence feeling of zero energy user, it allows you quick access to the mainstream media, JD Power released its annual survey of major insurers - Mika Erie and finished almost at the top of the timeline. three years Business is also a Howard recommends: "In my free agents to seek knowledge about the products and their need to actually perform any company able to sell Erie report calls for Mika it. try to find a way to cover that. To see him. "
Consider the financial strength of 4) Insurance companies determine the final we will see the credit rating of the lowest in the morning and the Standard & Poor 's (S & P) rating of financial stability of the company. Insurance and published - the ability of insurance companies "share" to pay claims. (Related to the customer and the company has nothing to do).
Since most of the service providers as a safe alternative for consumers looking for just this kind can be assessed, the company's financial situation can not be recommended as suspicious. If you are considering a little familiar with the insurance company, we can consider this study as well as insurance companies often provide this information if your own site. But you do not, you can run a search website in the morning and the lowest of Standard & Poor (S & P) Group.
The best score is expressed as D, some companies may be assigned ratings of E-Commerce + (indicating dilution of the Company's regulatory measures) (TOP) letter grade F (clearing) and S (Stop) in. some cases, it will require at least one stage of B + rating for the company.
Rating Standard & Poor 's (S & P) during the CC from AAA (the highest) In addition, the acquisition of some companies and the meaning of NR (under the supervision of the director) R rating. "not rated." The order may change, positive and negative. Just keep in mind that companies rated BBB or more.
5) or mixing or not? Consider the work of the Telephone and online customer service representative - it will be used for all insured institutions. But now, car insurance and other insurance companies easier, Keiko, etc. This allows you to direct insurance. Most of the major players. But still, a national network of local agents - even if you use the web site of the company, State Farm and Allstate insurance, you will be assigned a local agent continued.
There are two types of agents.
A) such as AAA, Allstate and State Farm sales company (NYSE represented a captive insurance companies as the main provider) policies through captive agents.
B) The independent agent is also known as the agent who represents several insurance companies so you do not have an interest in the sale of a specific company policy.
He represented the people in the big advantage is that he has a vested interest to keep you happy. So be aware of the situation and advise you on the right strategy. Howard and facilitate the use of agents, it is recommended that you do not rule it out. "Direct suppliers But this is my personal preference is to create an agent, especially a policy that is free, independent proxy you .... The company is aware of at least one advantage - .. to help people. the other is moving, you can change service providers without changing consumers broker hopes to develop a relationship with a company representative. ".
Agents can build a good working relationship that you see when you buy car insurance, Heller is the first of the two insurance companies have similar offerings. But because the agency was strong, he was a little further suggested that the other "You should study other options," he said.
However, he warned that "Do not say you do not need a proxy may consider the pressure and think that a broker or agent or broker for online research. - You can find a better deal directly with the company."
Independent agents sometimes charge fees for their services. But, you can negotiate You have to come to an agreement in writing before you buy it at any price. Seeking in the United States (the Big "I") or a professional insurance agent (PIA) insurance agent to verify independently.
We know that you can do with your time than to think about car insurance. In fact, most people can not choose any insurance company on this list before. If you have a suggestion to consider at least one or two autumn burning sensation in the final bill - if you are involved in an accident, so thank you.
