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Wednesday, May 23, 2012
nebraska car insurance
With so many different auto insurance companies to choose from, how do you know which ones offer the best services and the best auto insurance rates? There are a number of companies that provide insurance ratings to help drivers and consumers decide on the best insurance for their particular needs. These include such well-known companies as J.D. Power, who provide annual top 10 insurers' lists, and Standard and Poor's, who rate the top companies on their ability to pay out on claims.
In addition, you'll find other organizations that do ratings, such as Consumer Reports and industry associations that rate their own members. Checking out ratings online can give you valuable insight when you're looking for a new auto insurance carrier.
How They Determine Auto Insurance Company Ratings
There are many factors that go into determining the ratings for an insurer. They include price, level of coverage, customer support and service and financial stability. Some of these factors will be more important to you than others, but taken together, they'll give you a good idea of the type of service, policies and prices you can expect from the top auto insurance companies.
Each organization that rates insurers has its own method of gathering information and analyzing it. Most do customer surveys to learn how satisfied a company's current customers are with the service they receive from the insurance company. They may survey auto body and auto repair shops to evaluate the ease and speed with which insurance companies evaluate and pay claims, as well as examining financial records to determine the company's financial solvency to determine the company's ability to pay off on claims filed with them.
Finally, they may do price comparisons of various policy options across multiple companies. Based on those price and service comparisons, a number of organizations publish lists of top 10 auto insurers, most affordable auto insurers and other top insurers.
In addition to company ratings, you should also look for customer reviews and ratings of various insurance companies online. You'll find many websites that invite customer reviews for car insurance companies. Those customer reviews are among the best resources you can find to tell you the kind of service you can expect from the various auto insurance companies.
Finally, auto insurance company ratings can only tell you so much, especially about the cost of a policy. The cost of your premiums is determined by the amount of risk you present to the company, so those costs are very individualized. The only way to determine which company will be the most affordable for you is to submit a request for an auto insurance quote. Many of the same sites that provide insurer ratings also allow you to submit a request for an insurance quote, often from multiple companies at the same time.
Don't choose your next car insurance company blindly. Take the time to look up car insurance ratings online, then do some comparison shopping to find the best price and the best service on your car insurance policies.
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