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Pricing is the initial thing most shoppers think about when comparing insurance quotes. After all, all of us want a great deal, right? Certainly. But don’t make the mistake of buying just because of the cost. In case you pay a few bucks more, you’ll get yourself a far better package - and be significantly happier with the purchase - if you compare these 5 aspects first. 1. Insurance carrier: Examine the companies you are taking into consideration. Organizations like A.M. Best and Forrester’s rate insurance companies on their financial strength, customer service and reliability. J.D. Power and Consumer Reports feature opinions and reviews on their websites about drivers’ real-world experience with different insurance companies. Pay specific attention to responses with regards to claims service. 2. Customer care: Take a look at the ease of use of both customer and claims services. Is it open 24/7 or solely during specific hours? Determine whether the insurnace company has claims representatives in your area or if almost all claims are conducted on the phone. After that make a decision on what’s good for you. In the end, if you have a claim, you want to feel at ease regarding the process. 3. Payment Options: Investigate what choices are available for paying for your insurance policy. Some insurers are offering monthly or annual payments and some offer a discount for paying the whole amount at the beginning of your insurance policy. It’s important too, to find out just what kinds of payment they accept such as credit or debit card, electronic check or ACH. Make sure to ask if there’s a price reduction for making use of one kind of payment as opposed to another. 4. Insurance coverage: Make certain whilst comparing quotes, you're comparing apples to apples and that each policy you take into account provides you with exactly the same level of insurance coverage. Pay specific attention to towing and car hire cover. Prices and privileges really vary here. 5. Special discounts: If you qualify for a price reduction - AAA, good student, epayment - check to see that every carrier you compare rates from will give you exactly the same discount. Essentially a few dollars might make a massive difference within the life of a policy. Bear in mind, a good deal isn’t a good deal in case you end up using the wrong insurance carrier. Before you buy, ensure that the provider you select will provide the assistance and value you expect. Now that you determine what to watch out for when you compare auto insurance rates, let’s make auto insurance companies compete for your business. In less than 10 minutes, our affordable car insurance website can deliver several quotes from top-rated insurance companies - saving you time and maybe a lot of money! For those who live in The florida area, check out Florida No Fault Insurance
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