How Do You Compare the Services Offered by Cheap Car Insurance Companies?


Quick Answer

Compare the services offered by cheap car insurance companies by considering the opinions of consumers on a state regulator’s website, and research an insurer’s financial health and customer satisfaction on reputable third-party publications, advises Bankrate. Get insights from car body shops on an insurer’s practices to determine the best deal available, recommends Edmunds.com.

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Full Answer

Gauge the level of customer satisfaction insurers provide by checking consumer reports offered by firms such as J.D. Power and Associates. The reports detail aspects such as claims handling and the overall customer experience, says Bankrate.

Visit a department of insurer’s site in a given state and peruse the consumer complaint ratios for car insurance companies to determine service quality. The ratio indicates the number of complaints that consumers lodge in every 1000 claims they file, says Edmunds.com. Companies with the lowest ratios and insurance rates merit a customer’s consideration.

Consult with local auto body shops, as their interactions with insurance adjusters lets them know the claim processes of various insurers, which affect a car’s repairs, states Edmunds.com. Body shop managers know which insurers attempt to cut corners, such as pushing for aftermarket parts, to reduce repair costs on cars. Weigh a car insurance company's financial health on sites such as A.M Best to gauge the company's ability to settle customer claims.

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