Who is the Best Rated Car Insurance Company?
One of the most important times to comparison shop is when you are selecting your car insurance. But how do you get past the hype of the commercials and really find out which company has the best rating?
Rely on Reliable Sources
While insurance companies would love you to believe that they give you a clear picture of their competition, the truth is that you are only seeing their version of the whole picture. Using unbiased reports from places such as Consumer Reports will give you a much clearer picture of how insurance companies actually stack up against each other. Several times a year thousands of consumers are polled for data on several different levels – from simple customer service to the rates for various kinds of vehicles and drivers.
Your Mileage May Vary
Every consumer is different, though, and what is rated the best car insurance company overall may not be the best car insurance for you. If you fall into a certain demographic – such as homeowner/parent/over 30 years old – you may find that a company rated high overall is actually not suited for your particular situation. Looking for more targeted reports is one option, but you may do better by conducting your own informal survey among your friends, and find out who is happy with their insurance and why. If you are veteran or a civil servant you may qualify for specialized insurance programs, and it’s worth checking into.
The Map is Not the Territory
In the end, the only way to really know what insurance company is best for you and your vehicle is to rate them yourself. Call each company, or go online, and get not just a rate quote but also a clear description of the other benefits and coverages provided by the company. Decide if perks like roadside assistance are important, choose your deductible, and you’ve got the perfect insurance for yourself.
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