I am planning to get my own auto insurance for the first time. What is the best company I can go with?
Posted on Mar 30, 2008 under Insurance Information |Not only am I looking for good coverage but the most affordable for a starting out 22 year old. Thanks!
March 30th, 2008 at 8:19 am
There's no one size fits all best company, and not all companies write in all states.
Your best bet is to call an agent in your area, or three, and get a bunch of quotes. Likely, they'll all be in the same ball park.
March 30th, 2008 at 8:19 am
There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
March 30th, 2008 at 8:19 am
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March 30th, 2008 at 8:19 am
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