1) Go to your state insurance of the site. Even if you’re not with him, his status, and each Member State has an insurance policy. Most departments have Web sites, and much to publish “reports of consumer complaints for all insurance companies, according to the policy in their state. This report describes how many complaints a company has obtained car insurance complaints for 1000.

The two experts recommend that consumers with complaint ratios on the screen outlook insurers. “Precisely because they have a big name does not mean that there is a” good neighbor “or do you have in your hands,” says Heller.

If you have done your homework, you must already have a list of companies in the motor insurance premium from the lower prices. Now, with the records of the lowest (or more) complaint ratios. You could then compare your two lists – the best ranking of the companies listed on both lists merit strong.

If you have no complaint of the relationship between state to state, Heller recommends increases the appeal of other states. Note that a single insurance company in May practices differ from state to state – as in a relationship does not necessarily mean that the situation is well in your state. But the general trends. If an insurer receives many complaints in several other states, you probably do not want, in this company. I-CAN The website provides links and contact information for all insurance department.

We also recognize that the department of insurance Web sites often offer the share of the basis for the comparison of the investigations. This allows you an approximate idea of what interested the insurer on a financial basis, without having all your personal data (such as, for example, if you need one of the online sites).

2) recommend that the insurer of body repairers. One of the best ways to identify reliable insurers, according to Howard, is the contact with the workshops that you trust and ask their recommendations. Body-managers have a unique perspective to offer, and they interact regularly with the insurance companies. They know that business better representation of the processes that affect the speed with which work can be divided into one vehicle damaged. They know that the companies involved, as a genuine Original Equipment Manufacturer (OEM) of the premises, to reduce costs.

3) Check the JD Powers. JD Power and Associates collects data from owners of the police of the country and depending on the type of coverage options, costs, claims, meeting with representatives of businesses and the general experience. A quick visit to the JD Power Center gives you an impression of how the main players in the battery. JD Power publishes an annual survey of the leading automobile manufacturers insurers – Amica Erie and completed the first three years. There are also companies, which recommends, Howard: “Erie is independent, which is very good about the product. I like his approach for dealing with complaints. Almost all other companies, a complaint and an opportunity to cheat. Erie and Amica check and try to find a way to do this. ”

4) Considering financial ratings of insurance companies. As an inspection, you can use the AM Best and Standard & Poor’s. Both companies publish financial ratings of all insurance companies – the “action” by the insurance of the ability to pay a complaint (not related, as a company with its customers).

For consumers in search of these references is a pure formality, since most airlines are known to a safe value. In addition, the independent, it is unlikely to recommend companies whose reliability is doubtful. However, if you are a small insurance unknown, you can search for the lost time. Insurance companies often offer to web sites, but if not, you can search the AM Best and Standard & Poor’s side.

Best hours are rating in a letter grade of A + + (highest) to D. Some companies are awarded in May opinion E (indicating the measures to regulate the creditworthiness of the company), F (in liquidation) and S (suspension). In any case, it is sufficient with at least a grade B +.

The Standard & Poor’s from AAA (highest) DC. In addition, some companies rates R (under regulatory supervision) and NR, which means “not rated”. The letters may be a trademark or a fact. Just think of at least BBB-rating.

5) Still confused? Drawing, with an agent. I used that all the vehicles of an insurance agent, but now, insurance and automotive industries Esuri, GEICO and others you can buy the insurance directly – by a customer service representative by phone or online. But many great players have their national networks of local actors – even if you have State Farm and Allstate Web site gives you a local.

There are two types of agents:

a) The staff of the prisoners only one insurance company (as the big carriers AAA, Allstate and State Farm sell policies through captive employees).

b) staff independently, also known under the name of a mediator, of several insurance companies and therefore has no interest in a policy of selling the company.

The biggest advantage of having your own agent, that person has an interest in, happy. Therefore, you can deal with your situation and lead to a reasonable. Howard promotes the use of resources and the recommendations: “Do not exclude suppliers, but my personal preference is a means, preferably an independent representative, the police on your agent for you …. regardless deliberately less favorable conditions, with a [ and help you in switching to the other]. You can change carriers without their agent. I urge consumers to develop a relationship with you. ”

The prospect of a good working relationship with one can help you to make a decision: If Heller bought car insurance for the first time, two insurers have a similar event, but was slightly more than an hour, as agent has been strongly recommended by a friend. “You should not always be equal to say, without other options,” he said.

But he warned, “I never feel pushed by a broker or agent. Take the time for talking with an agent or broker and your online research. You do not by an agent – may be a better agreement with a company the company directly. ”

The independent, which may charge a fee for their services, but you May be able to negotiate. You must refer to a levy, in writing, before a purchase. Search people by the independent Insurance Agents of America (Big “I”) or Professional Insurance Agents (PIA).

Of course, we know that you have better things to do with the time to think, to the motor vehicle insurance. In reality, most people are not able to do everything possible to do what on this list before you have a safe. But if you believe that you have burned during the for compensation in the past into consideration, at least one or two of these suggestions – I thank you, if you are in another accident.