Don't Ignore These Things While Buying Coverage
It's easy to focus on the "major" issues such as premium rates and coverage limits while shopping for auto insurance. Those are important things that you shouldn't ignore, but there are other issues connected with your insurance company that you should consider too (even though some are easy to forget). The next time you are shopping for coverage, keep these three things in mind:
The Geographical Accessibility of the Carrier
Many motorists want to deal with a carrier or agent that they can physically visit. Some controversial issues are best solved with face-to-face discussions rather than through emails or phone calls. This is especially important for the big carriers that have a nationwide geographical presence but may not have an office in your local neighborhood. You shouldn't have to travel halfway across the country to speak to a "live" person when you have a weighty issue to discuss; it will be costly.
The Claim Process
Apart from meeting state insurance requirements, you also buy auto insurance coverage so that one day it can compensate your car-related damages. That's why you need to know how easy it will be to get this compensation from your insurance company. The claim process needs to be fairly straightforward and short so that you don't end up chasing your compensation endlessly. Don't just rely on what the company says about its claim process; research what other clients say about it to get the true picture. Contact the local insurance commission for statistics on claim refusals by the carriers you are evaluating.
The Quality of Customer Service
During your long (hopefully) association with your chosen carrier, some issues will inevitably arise that require customer service involvement. For example, you may need a clarification on your coverage exclusions or an explanation on why your claim is taking longer than usual. If that happens, you don't want to be frustrated by emails that go unanswered, calls that don't get picked up or customer representatives that promise heaven but deliver nothing. Therefore, confirm that your chosen carrier has an impeccable customer service you can rely on in terms of need.
Hopefully, these issues will help you enjoy a better relationship with your next car insurance company. These are the same things you need to consider when switching coverage. Talk to an insurance agent to help you with the evaluation of these services so that you don't end up sacrificing these salient issues at the expense of low rates. Check out websites like http://www.unitedsecurityagency.com to learn more.