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How to Pick the Right Car Insurance Company

Choosing the right car insurance company is tough. Drivers are legally required to have coverage, so companies know they have the upper hand when they are shopping around. Car insurance is an interesting industry because of the sheer amount of companies. The competition between them is what helps keep prices down. It is also what makes purchasing auto insurance confusing.

There are a lot of agents for car insurance Van Nuys has to offer. Some represent multiple companies as a third party agent. Others work solely with one company. It is sometimes better to work with an agent who works with multiple agencies because they are more likely to keep their clients best interests at the forefront.

There are many different car insurance companies offering the legal minimum amount of coverage. It is hard to decide between them. Those that are having this problem should try these three tips to help guide their quest.

1. Consult with the Department of Insurance – Every state has a Department of Insurance. This governmental wing is in charge of keeping track of the insurance companies in the state. Before you decide to go with a certain company, consult its complaint ratios with the state. You may be surprised to learn how many big companies have a bad customer service track record. The government is a great resource because it is unbiased.

2. Use an agent – Every insurance deal used to go through an agent. This isn’t true today. Many companies give customers the ability to purchase online directly from them. Customers can even design their coverage from their phone. Agents are still a valuable resource.Their relationship with the insurance companies helps them find the perfect fit for their clients.

3. Ask body shops – The best way to find out about a company is to talk with people who deal with them on a regular basis. Clearly, auto body shops are a great resource for this. They can tell you which companies drag out the claims process and which make it go fast. It is in a mechanic’s best interest to have their customers use a good insurance company.

If you follow these three guidelines, you’re sure to find the right insurance company for you. It is important to do your due diligence before making your choice. Be sure that you at least get the minimum amount allowed by law.

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