Finding the best carrier out there is a daunting task. With so many out there and no real baseline, it really becomes a question of personal preference. It is required that each driver on the road carries insurance, and each person has their own situation that needs to be taken into account when shopping for a policy. So instead of asking which carrier is the best, ask which is best for me? Age, location, marital status, sex, driving record, even a credit score can matter when shopping around for an insurance carrier. Taking all of that into account, a good starting place for the consumer would be knowing what they can afford and what coverage they need. Just calling and asking for a quote will typically result in the lowest coverage possible being quoted unless asked for otherwise. This might sound good at first, but once faced with a claim things may sound different. Inquire about different coverage limits and their prices. Ask how high limits can go, find out what deductibles are offered and talk about medical coverage. Once a consumer has this info they will be much better prepared to make an educated decision. A great tool for consumers is AM Best. AM Best is an online resource that rates insurance companies (along with other industries) on an array of things. This will give the consumer a good idea of where the carrier stands financially, which will be a good indication of how well they run overall. Doing research and checking with friends and family is a great way to ensure that the carrier chosen can provide all of the coverage needed. Another great place to look is a broker. Brokers have an array of companies that they carry and can shop them all at once for the consumer, saving time and stress. A broker will also have a good idea of what each company is about. - The General Liability Insurance CA guy
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