Instant Auto Insurance...Secrets You Must Know!

Have you thought about asking for a free auto insurance quote on the internet? Are you concernedbecause you may not know anything about the company providing the quote? Are you wonderinghow you can find out about the reputation of the company giving you a quote, especially when itcomes to paying out claims?

 This article will tell you how to find out about insurance companies: their financial stability and howmany consumer complaints they receive, how to ask for a quote so you can compare apples toapples, and results of online quotes from eight known auto insurance companies.  

How to find out the stability of an insurance company  

The financial stability of a company is rated by A.M. Best and Standard & Poor's. Thesecompanies provide an independent opinion of an insurance companies ability to meet its ongoingpolicy and contract obligations. The A.M. Best rating is expressed as a letter grade from A++ (thehighest) to D. It is recommended that you do not work with companies rating B or lower. TheStandard & Poor's Ratings range from triple A (the highest) to CC. It is recommended thatyou do not work with companies rating lower than BBB. 

 How to find out individual policy holder satisfaction with an insurance company Annually J.D. Power and Associates gathers data from policy holders nationwide regarding policyoptions, pricing, automated phone service and overall satisfaction, with the insurance companyproviding their insurance. The best rating is 5.  

How to Find Out the Number of Consumer Complaints  

The Department of Insurance for each state provides the general public with consumer complaintratios. This ratio helps the consumer to identify the number of complaints per number of claimsfiled. A maximum of forty companies are compared. If more than forty insurance companies havecomplaints, only the forty companies with the most complaints will be compared. It isrecommended that the complaint ratio be checked in three or more states to identify specificinsurance company trends. A ratio of less than one hundred is better than average.  

How to ask for a quote so you can compare apples to apples  

A response to the following information must be decided before asking for an auto insurancequote:

 Car make, model, year, current mileageDeductible amount for collision, comprehension and liabilityCoverage for medicalPurpose for using the carMiles driven per yearNumber of designated driversDrivers ages What is the result of performing the above steps?  

The Auto Insurance companies used for this Auto Insurance Quote Review are 21st Century,Allstate, Esurance, Geico, Nationwide, Safeco, The Hartford. These companies were selectedbased on longevity in the business and their familiarity to consumers throughout the United States.The stability, consumer overall satisfaction (Sat.), policy options (Opt.), price (of premium) andautomated phone service rated as follows. 

 J.D. Power and Associates  

Insurance Co. AMBest S&P Sat. Opt. Price Phone  

21st Century A A 3 3 4 2Allstate A+ AA- 3 3 3 3Esurance A- n/a n/a n/a n/a n/aGeico A++ 3As 3 4 4 3Nationwide A+ A+ 3 3 2 3Safeco A A- 3 2 2 3The Hartford A AA- 3 3 4 3  

The number of consumer complaints for these auto insurance companies rated as follows in thestates of Illinois, Minnesota, Missouri, Texas and Kentucky.  

The Complaint Ratio for Five States  

Insurance Co. IL MN MO TX KY 

 21st Century n/a n/a n/a 199 n/aAllstate 55 130 130 165 19Esurance n/a 212 212 455 0Geico 33 149 128 132 116Nationwide n/a 76 76 131 0Safeco 29 117 117 71 25The Hartford 29 n/a 454 200 54 

 The Auto Insurance Quote Sample  

The following information was used for all quotes:

 2006 Toyota Camry 4dr v6 engine LE50,000 milesDriven under 9000 miles per yearUsed for pleasure$100 Deductible for comprehensive and collision$250,000/$500,000 Liability & collision$10,000 medicalOne car and two drivers Auto Insurance Quotes  

The following six month policy quotes were received from each of the companies listed below:  

Company Quote  

21st Century $237.68AllState $392.00Esurance $343.00Geico $260.10Nationwide $415.40Safeco $281.00The Hartford $375.00  

Ways To Lower The Premium  

Most insurance companies will offer discounts for the following events:  

Save driving record for 3 - 5 yearsNo minor infractions for 3 yearsAnti lock devices installed in your vehicleNo DUI for the last 3 - 5 yearsLicense not suspended for the past 3 yearsGood credit ratingCar owned rather than leased or financedA second vehicle is also insuredOther types of insurance is also purchased from them  .

High risk drivers can expect to have a higher premium. Not all insurance companies will insurethem. In addition when a high risk driver has an accident, the insured can expect difficulty whenattempting to get the vehicle repaired using car manufactured parts. Generally auto insurancecompanies will pay only for the cheapest parts available.  

Some insurance companies offer a lower premium for the first year as an enticement to encourageyou to get your auto insurance coverage through them. So always ask about the second yearpremium price.

      

Is It a Good Idea to Get a Free Auto Insurance Quote Online? Yes! Do It Now.  

It is a good idea. You have nothing to loose and much to gain. There is no charge to get a freeauto insurance quote, except for the time it takes to ask for the quote. Do it today. You can find outfor yourself how your current auto insurance premium compares to other auto insurance companypremiums.

If you are interested in securing a safe online quote, visit my website athttp://www.findoutmorequickly.com/auto_insurance_quote_review.html. You will find out otheritems of value as well.