Since there are many factors that go into determining your auto insurance rates, there are many chances to lower your rates, one of which is using an auto insurance comparison website. Other ideas include:

If you change jobs and your drive to work changes or you stop working or you work from home, you should contact your insurance company.

If you have a teen driver and they go to school over 100 miles away without a car then you should be able to get a discount. Continue Reading »

Look at a lot more than just cost, because comparison between companies is meaningless without research on these three topics for each company you are considering:

1. Complaints filed with your state insurance commissioner
2. Payment practices that increase your chances of being sued
3. Miscellaneous topics, such as use of credit scoring to set premiums, denial of medical treatment to their own insureds, insisting on the right to deny the consumer the right to arbitration in UIM claims, etc.

So you heard or saw an advertisement for low cost auto or motor vehicle insurance and you are thinking of making a switch: Do not do it until you have read about and considered all aspects of such insurance coverage. Otherwise, you might have saved a few bucks, but exposed you and your family to inferior coverage-and, in the case of some hard-nosed companies, exposure to being sued, should you ever cause an accident.
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Insurance Company Advertisements Deceive

If some of the millions of dollars spent on advertising auto insurance would be devoted to fair payment of injured insured’s own claims against their own company, we probably wouldn’t even have to make mention of this. However, the advertisers’ portrayal of insurance responsiveness with homey images, friendly messages, beautiful music and promise of quick claims service do not equate to quality when it comes time for payment for personal injury claims following an auto accident.

We know that getting your car fixed promptly is important. Some companies may be more responsive on property damage than others, but that should not be your first priority evaluating insurance service. A day or two wait for your car is nothing compared to being literally cheated out of your legitimate payments, as is the practice of some of the more aggressive companies. See the discussion below and the links provided. If getting your car fixed in the fastest time is the most important thing for you, you can ignore everything that is written in the following paragraphs, because they focus on the bodily injury aspects of auto insurance claims service.

So, our advice is to ignore the advertising images: the insurance industry did not become one of the wealthiest in America by being everybody’s best friend. Understand that these smiling people on television ads are really your adversaries. There are many thousands of reported cases where insured have been forced to sue their own companies. None of these cases has to do with getting people’s cars fixed. Prompt property damage repair is the simplest and easiest part of an accident claim. Instead, these lawsuits against insurance companies all are based on claims that an insurance company did not perform according to the law and in accord with its own contractual provisions.