There are many philosophical debates that create controversy. For example, how many times have you heard people argue over which came first, the chicken or the egg? The answer is probably too many to rely on one or both hands. Today’s topic can also spark debate. Should you choose a car insurance provider based on price or service?
Depending on who you ask, you’ll likely get a whole host of different answers to this question. This is because each option has advantages and disadvantages. So, before choosing an insurance provider because of price or service, make sure you have weighed the good and the bad. Then you can rest easy knowing you made a smart decision.
Online research journals
One of the first things you should do when looking for a new insurance provider is to research companies online. For example, if Allstate has piqued your interest, search for Allstate insurance reviews via Google, Bing, or another search engine. But, of course, you can also use other names like Geico or Progressive to see what people are saying.
You can also visit the Better Business Bureau website or Yelp.com to determine what an insurer brings to the table. It may not be possible to learn everything you want from testimonials. However, some people might talk about price, while others talk about service. Therefore, it’s a great place to start mulling over the pros and cons.
Obviously, one of the biggest benefits of buying car insurance based on price is that the company can save you money. Some consumers just like to be frugal and don’t want to pay more than they should. Meanwhile, others are working and working and working, trying to make ends meet. They live paycheck to paycheck and have to find cheap car insurance to make sure their budget can handle the load.
In for money
Shopping by price could get you in trouble, as you might end up with a discounted insurance company. The rate will undoubtedly be low, but the agency may also have pitfalls. Common complaints that tend to follow these insurers include:
- High deductibles
- The policy excludes friends and family
- Poor to poor customer service
- Weak coverages
- Limited car repair coverage
So if you want to avoid headaches in the long run, it might be a good idea to look at factors other than price when looking for an insurance provider. Then you will find a company that meets all of your coverage, service, and cost requirements. Just keep in mind that sometimes you get what you pay for and nothing more when shopping by price.
Easy claims process
Do you like customer service and a simple claims process? If so, find an insurer that exceeds in these departments. When you are injured in a car accident, the last thing you need is a representative with you. You also don’t want to be taken advantage of if your car is beaten up, mangled, and undriveable. So, do yourself a favor and check if a company is up to snuff when it comes to customer service and a straightforward complaints process before handing over your business to them. You’ll be glad you did if an accident ever comes into play.
Various discounts available
Do not be afraid of high prices. Many insurers offer their customers discounts to help them save. So even if the quote you receive seems high, it doesn’t necessarily mean that’s the total you’ll pay in the end. Many of the top insurers reward their customers for different reasons. For example, State Farm, Geico, Allstate and others offer discounts on defensive driving.
Then, providers like Travelers, Nationwide, and Progressive offer low mileage discounts. And who can forget Liberty Mutual with its safe driver discount or Farmers and its accident-free discount? The thing is, you can probably get a great deal from almost any insurer, thanks to discounts. Therefore, ask local or online agents what their respective companies can do for you in this regard.
The amount you save will vary depending on the insurance company you use. However, these examples should give you an idea of what to expect. At Geico, policyholders can get up to 10% off applicable coverage for taking defensive driving courses. Meanwhile, after completing six hours of defensive driving, Allstate customers can get up to ten percent off. Or, if you take out several policies with the same insurer, a discount of up to 25% could be right for you.
Ask your friends and family members for their opinion
If you can’t find the information you’re looking for to decide whether you should choose an auto insurance provider because of price or service, don’t underestimate the use of word of mouth advertising. Connect with people you trust and ask about their experiences with particular insurers. You can discuss several topics, including price and service, with these people to get an idea of what the business is all about.
A few words of conclusion
Choosing an auto insurance provider can be tricky and difficult. Naturally, you want the best service at the best price, but aligning those two things can be easier said than done. However, with a little ingenuity and effort, you should have no problem becoming insured with one of the best insurers in the industry.