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Choosing the Best Car Insurance Company

Written by Michele Wilmonen. Posted in Research Last Updated: 01/24/2015

Price isn’t the only thing to look for in the best insurance company.

best car insurance company

Quality, not price, will show you who the best car insurance company is.

Everyone wants to end up with the best car insurance company in the industry. But how exactly do you know who that is?

Is it the insurance company with the best advertising? Nope.

Is it the insurance company with just the best price? Nope.

Finding the best car insurance company is going to take research and you asking a lot of questions of the person you are getting a quote from. Here’s what you should be looking for to find the best car insurance company.

Coverage

The amount of coverage you can get from an insurance company and the coverage counseling that you get from the insurance company or one of their agents is extremely important. We don’t just have insurance because it’s required; we have insurance to protect us and our financial assets.

The best car insurance companies are the ones that will sit down and talk to you in depth about your financial situation and suggest coverage that is best suited to prevent a financial disaster in the event of a major car accident. The best insurance companies will also offer limits that are high enough to prevent you from maxing out your coverage on a car accident. Because once the coverage is maxed out, you are personally responsible for paying for everything after that out of your own pocket.

Repair Experience

The true test of who the best car insurance company is happens when there is a claim. The best car insurance companies will offer you the following:

  • An option to use their repair shops or choose your own
  • Offer repair shops that are reputable
  • The assurance that if your repairs break or are not done correctly that they will make it right

What’s Not Covered

The best car insurance companies out there offer insurance coverage for everything and anything that can damage you or your vehicle.

Thought that all insurance companies did that already? Unfortunately, there are still insurance companies out there that don’t pay for damages that are caused by uninsured motorists, cars that are stolen, damage caused by animals, or damage caused by natural disasters.

So before you agree to purchase coverage from an insurance company, make sure that there are no coverage gaps in their policies.

Customer Reviews

An easy way to see who the best insurance companies are is to read customer reviews. While there are no perfect insurance companies out there, the best car insurance companies will have more positive reviews than negative reviews.

Check out our huge collection of customer reviews on almost every car insurance company in America here and find out just who is the best car insurance company.

How to Do the Car Insurance Comparison

Written by Michele Wilmonen. Posted in Research Last Updated: 01/16/2015

A good car insurance comparison will take longer than 15 minutes.

car insurance comparison

A good car insurance comparison will halo you find the best price for the coverage you need.

Whether you are looking for a new insurance company or not, it is good to do a car insurance comparison between insurance companies at least once a year. By doing this once a year it will help you see how much you are paying for insurance compared to other companies, so then you can decide if you want to keep paying what you are to your current insurance company or if there is another company you can get the same coverage with for less.

At the same time you are doing your car insurance comparison take a look at the coverages that you are paying for on your current car insurance policy. The coverages that you have may no longer offer you the best protection or you may be paying for coverage that you don’t really need anymore.

So before you start contacting other insurance companies to compare rates, contact your own insurance company to see if you need to change up your current coverages to be completely protected.

Have Your Information Ready

Before you start contacting other insurance companies make sure you have your most current declarations page in front of you. This is the information you get each time your car insurance policy renews or you make a change. It will have all of your coverages broken down by price, which is what you need to know before you start comparing what other insurance companies charge for the same coverages.

If you and your insurance agent or insurance company have decided that you need to update your coverages, have a breakdown of all the new coverages and their prices available then.

Track The Different Offers

Remember as you are contacting different companies during your car insurance comparison to keep track of the information you get. You need to track:

  • Specific coverages and their prices
  • Any odd requirements or exclusions
  • Monthly payment fees
  • Cancellation penalties
  • Length of coverage period (6 months or 1 year)

Find Sources with Multiple Car Insurance Comparisons

To save yourself a whole lot of time and trouble, try to get as many quotes from one source as possible. For example, contact an independent agent rather than an exclusive agent. With an exclusive agent you will only be able to get a quote from the one insurance company that they represent. With an independent agent, you will be able to get quotes from multiple insurance companies all at once.

If you prefer to do things online, use our quote aggregator on the home page. Enter your information once and you will get multiple quotes for your car insurance comparison with minimal work.

3 Ways to Find Cheap Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 01/09/2015

Cheap car insurance is a lot easier to find than you think.

cheap car insurance

Cheap car insurance is a cool way to save money.

Cheap car insurance is something that all drivers wish for, but think that they will never find. The truth is though, that it may be hiding right under their nose and they just don’t know it.

#1: Cheap Car Insurance from Discounts

Never assume that your insurance company is giving you all of the discounts that you qualify for. Yes, it is their job to make sure that your policy is rated properly. But, it is your job to make sure that you aren’t getting overcharged.

To make sure that you are not getting overcharged, contact your insurance company and have them go over all of the premium discounts they offer. If you aren’t getting some of them, make them tell you why you don’t qualify. If there are some they don’t list off, ask them about them.

The most common discounts insurance companies offer include:

  • Good student discounts
  • Multiple policies discounts
  • Multiple vehicles discounts
  • Good driver discounts

#2: Cheap Car Insurance from Lowing Coverage

Although not usually recommended, you can automatically find cheap car insurance with your current policy by lowering your coverages. You can do this by changing any of the following:

  • Cancel towing coverage because you already have it through AAA or another source
  • Cancel rental car coverage because you have multiple vehicles
  • Increase the deductible on your comprehensive or collision coverage
  • Remove comprehensive or collision coverage because your vehicle is worth less than what you are paying to keep insurance on it

Before you decide to remove or lower any of your coverages though, talk to your car insurance agent first. They can advise you on the best changes to make that will lower your premium, but still keep you protected.

#3: Cheap Car Insurance from Looking Around

Looking around and getting quotes from different insurance companies is the easiest way to find yourself cheap car insurance. All insurance companies have different rates, different rating criteria for its drivers, and different discounts – meaning that they are all going to charge you something different for the same exact coverage.

This also means that if you don’t call around or use a website (like Car Insurance Guidebook) to find out what all of the different companies charge, you are never going to find which company is going to be able to provide you with cheap car insurance.

Ohio SR22 Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 12/24/2014

Ohio SR22 insurance is also referred to as a SR22 bond in the state.

Ohio SR22 Insurance

Keep your path clear to no longer having to have Ohio SR22 insurance by following the state requirements.

In Ohio, SR22 insurance and a SR22 bond are used interchangeably to mean a special “high risk” insurance coverage that you may be require to have if you are caught doing something illegal while driving. This type of insurance only covers the individual that must have it and offers at least the Ohio state minimum requirements of 25/50/25 ($25,000/$50,000 bodily injury liability coverage and $25,000 property damage liability coverage).

Why Would You Need Ohio SR22 Insurance?

An Ohio SR22 bond is usually needed because you have been caught doing the following:

  • Driving while intoxicated
  • Driving under the influence
  • Driving without car insurance
  • Driving recklessly
  • Any other illegal driving action that will get your license suspended

However, just because you have been caught doing one of the above don’t assume that you will have to go out and get an Ohio SR22 bond. You will be specifically told if you need one by the authorities, and if they don’t say anything then you are off the hook.

Meeting Ohio SR22 Requirements

To meet the Ohio SR22 requirements, you must contact an insurance company to have them file the SR22 paperwork with the Bureau of Motor Vehicles for you. An insurance company will file this paperwork for you after you apply for an Ohio SR22 insurance policy/bond with them and pay for it.

How Much is SR22 Insurance in Ohio?

The cost of SR22 insurance in Ohio will vary from one insurance company to the next. So don’t settle with the first insurance company or agency you get a quote from, call around to get multiple quotes before you decide. You never know which company is going to be the one to offer you’re the cheap SR22 insurance you are looking for.

How Long Do You Need to Meet Ohio SR22 Requirements?

You will be required to have an Ohio SR22 bond for 3-5 years. The amount of time will depend on what you did to be required to carry the SR22 insurance in Ohio in the first place.

If you allow your SR22 insurance to cancel with your insurance company, they are required by law to notify the state that you no longer have it. The state will then contact you in regards to the new penalties and fines that you are now responsible for. Your time period of being required to have an Ohio SR22 bond/insurance policy will also more than likely be extended if you allow this to happen.

Pennsylvania SR22 Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 12/24/2014

Pennsylvania SR22 Insurance is not required in the state.

pennsylvania car insurance

There are is Pennsylvania SR22 insurance for drivers to worry about.

While the State of Pennsylvania does require that it’s drivers carry car insurance in order to drive, there is no required Pennsylvania SR22 Insurance if you get in trouble behind the wheel.

However, do not take this as the state giving you a free pass to do whatever you want behind the wheel. They still have plenty of other penalties and fines to take the place of not having SR22 insurance in Pennsylvania.

Car Insurance Guidebook Unravels the Car Insurance Mystery

Unless you work in the car insurance industry, the topic is probably a mystery to you. The words deductible, comprehensive, collision, liability, premium, loss of use and bodily injury are all gibberish when they reach your ears.

Unfortunately, insurance is something that you are required to have by law if you want to drive. Because of how confusing it is many people go around in almost an insurance daze while they get car insurance quotes from the auto insurance companies that they have heard of. In reality, they are completely lost as to what they are actually buying.

Instead of looking at what each insurance company offers in the terms of protection for both themselves and their car, they are instead looking for cheap car insurance. Finding the cheapest car insurance coverage makes having to buy the required product all that much less painful, but misses the whole point of having insurance.

Learning about insurance through your insurance agent or websites like Car Insurance Guidebook will give you the upper hand when you looking for car insurance. You can take your knowledge and not only find the best price for insurance, you can use it to find really great insurance to protect you and your assets. Then you aren’t stuck settling for just average car insurance that can hurt you financially if you ever need it because there isn’t enough protection.

For example, when looking for insurance the car insurance rates are just the first of many factors that need to be taken into account when you are shopping around for car insurance. You also need to take into account the type of vehicle that you are driving. Many people don’t know this.

Are you driving around a vehicle that is a new sedan and can be protected under any blanket insurance policy? Or do you have an old car that you fixed up that needs special protection and could be better covered under classic car insurance?

Don’t just assume that when you compare car insurance that it will be a one-size-fits-all policy. This is where the insurance knowledge will come in handy; you will know what you need to protect yourself and your vehicle.

You will understand what your insurance agent is talking about when they use insurance terms and you will actually be able to make an informed decision. This is much better for you instead of the “nod and smile” approach people take in their insurance agent’s office.

Also just like your life changes your insurance needs will change. This year you may just need to learn about the best deductible to have. Next year you may need to educate yourself on car insurance for young drivers. As the years pass, motorcycle insurance may be something you will need to know.

Many wise people say that you never stop learning, so take their advice and educate yourself on the insurance that you spend a lot of money on and can’t get away with not having.