Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 28, 2020

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Key takeaways...

  • Buying car insurance is not a one-size-fits-all process
  • Where you live, your driving history and even marital status can impact your premiums
  • Car insurance policies are measured by the details in the coverage and not just the premiums

The purchase of auto insurance is a very important decision and one which every consumer should take very seriously.

In the event of an accident, car insurance coverage will help you prevent financial losses, secure medical treatments and provide liability protection but you need to make sure you have more than just cheap premiums.

Ready to find affordable car insurance? Enter your zip code above and start comparing quotes for FREE!

Table of Contents

Myth #1 – Cheap Car Insurance

A lot of consumers shop for new car insurance similar to a new pair of shoes, however, this is far from the right way.

Car insurance premiums are only one factor in choosing an auto insurance provider and simply comparing car insurance company quotes by premiums will never help you find the best coverage.

Think about all the other factors which play an important role:

  • Types of Coverage
  • Your Policy Limits
  • How fast are claims processed?
  • Is the company open 7 days week / 24 hours?
  • What if I need a rental car – can I get one?
  • How much will I have to pay out of pocket?

Car insurance policies are measured by the details in the coverage and not just the premiums.

Anytime you look just for cheapest car insurance odds are you will probably end up with nothing more than a small blanket of coverage and still have great personal liability exposure in the event of an accident.

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Myth # 2 – All Car Insurance Companies are Equal

Never assume this. While it’s important to compare car insurance company quotes you need also to compare the reputation of car insurance companies.

There are some of the more popular names who offer less than stellar service when it comes to handling claims while some of the smaller companies excel. Other comparisons are the use of technology.

While Geico or Progressive will allow you to submit a claim online some of the larger companies still request a visit to their office.

People start by comparing car insurance company quotes just to find a range of providers to learn more about.

Myth # 3 – Customer Service is Always Open

A critical misunderstanding of car insurance companies is that you can always reach someone to talk to about your claim. Let’s put it this way…

Customer service and the claims division are often 2 different departments.

Most people will never file a claim.

Most people only call customer service to inquire about a policy change and pay a premium. Where is the test of a car insurance company here?

Anybody can write a check and staff people to answer questions without having to pay out a dime.

The customer service department is important but you need to ask any potential car insurance company how well the customer service department interacts with the claims division.

If you call the 24 hours toll-free number at 8 pm will you be told to call back during normal hours for the claims divisions?

People often confuse this so a good idea may be to ask around for car insurance company recommendations from people who have actually

What’s the best way to compare car insurance company quotes?

Obviously, the premiums will be an important part but until you understand car insurance its almost like shopping blind.

The most important step to securing the best car insurance company quote is to learn about the types of coverage, understand policy limits and car insurance discounts.

When you have a solid foundation of these three items the best car insurance company quotes will soon follow.

Start car insurance comparison online today – Simply enter your zip code below and get FREE car insurance company quotes nationwide.

References:

  1. https://www.nationwide.com/how-much-is-car-insurance.jsp
  2. https://www.geico.com/information/aboutinsurance/umbrella/
  3. https://www.geico.com/
  4. https://www.progressive.com/