Car Insurance Companies – The Secret to Finding the Right One
Car insurance agencies are everywhere. You need them when you go to the police or the DMV (California Department of Motor Vehicles) when getting your driver’s license. They also can help you with other legal or personal needs like registering a boat or changing your address or name, or buying auto insurance. But, what if you are searching for insurance online and you don’t know the big names in the car insurance industry?
You’re not alone. There are so many people searching the internet that some don’t even know there are two national insurance agencies out there! One is the National Automobile Dealers Association, or NADA, which is a trade group representing the interests of the car dealers nationwide. The other is the National Association of Insurance Commissioners, or NACI, which is a smaller trade group of regional insurance regulators. The commission works in the interest of consumers, including you and me, by setting rates and consumer protection rules. Since most states use NADA/NACI to set their insurance rates, you’ll find that most states use NADA/NACI when shopping for a car insurance policy.
If you are shopping from a car insurance company and you don’t know the names of any of the car insurance agencies NADA represents, you are not alone. You might ask the person at the counter which national agencies they are representing. Here’s an easy way to tell them:
– NADA represents all of the major car insurance companies. So if they sell collision coverage, homeowners, renters, and even students’ insurance, they sell NADA products. – NADA sells health plans as well, including medical and dental coverage. – They also sell supplemental accident, liability, and uninsured motorist insurance to their customers.
Your goal is to shop for the right car insurance policy from the right car insurance agencies. And, in addition to driving records, consider other factors. For example, consider the kind of vehicle you are insuring. Is it a truck or is it a four-door sedan? Consider your credit rating also; keep in mind that if you have bad credit, you will pay higher premiums than a driver with a good credit rating.
After learning what type of vehicles will cost more to insure, you need to find out where you can get the best rates. You should do this by using a local agent. Many people turn to the Internet to learn about car insurance policies, but you can save yourself a lot of time and effort if you work with a local agent. The Internet can help you learn about the top five states where you can find the best rates, but a local agent will be able to discuss your individual situation and recommend the best coverage options for your particular situation.
Now let’s take a look at how you can locate a good car insurance company. First, remember to interview or call several car insurance agencies before making a final decision. You want to be sure you are getting the best deal possible on your car insurance. Remember that the local insurance agent is not just looking to make a sale, but he/she wants to provide you with great customer service, so be honest with them about your driving history, what kinds of coverage you require, and your budget.
Finally, once you have narrowed your list down to a few car insurance companies, call each one and ask to speak with an agent. Most agents are happy to talk to you, and many will offer you a free, no-obligation quote. This will give you a good idea of which companies are the best for you and your family. If you take everything into consideration when choosing car insurance, you should be able to find a great insurance policy at a price you can afford.