27 Dec Which Auto Insurance Company Is Best?
All drivers must be insured in order to lawfully operate a motor vehicle. The type and level of car insurance you need may vary from state to state. You must follow coverage laws for the state in which you reside and/or the state in which your vehicle is registered. There are a lot of different factors you should consider when choosing a car insurance company. We’ve outlined some of the top considerations for choosing the best auto insurance company for your needs.
Determine the Coverage Requirements in Your State
First, you should determine the auto insurance coverage requirements in your state. In Arizona, all drivers must have proof of financial responsibility when driving a motor vehicle. The minimum coverage limits for auto insurance are:
- $25,000 for one person sustaining bodily injury or death in an accident
- $50,000 for two or more persons sustaining bodily injury or death in an accident
- $15,000 for damage to others’ property
Evaluate Your Lifestyle and Driving Habits
You might also choose to enhance your auto insurance coverage based on your lifestyle, driving habits, and needs. For instance, you could choose to purchase uninsured motorist (UM) and underinsured motorist (UIM) coverage. This coverage pays your medical bills and any property damage costs if you are in a crash with a motorist who doesn’t have liability insurance or whose liability insurance is insufficient.
Create a Budget
Next, create a realistic budget for what you can afford to pay for car insurance. Calculate what your living expenses are during a three-month period and determine how much you can pay for car insurance, car maintenance, gas, car registration fees, and car storage or parking fees.
Check Third-Party Ratings
Use third-party ratings to find car insurance companies that are highly rated for customer service, affordable car insurance plans, responsiveness, ethics, transparency, and trust. This will help you gather unbiased information that you can use to choose the right auto insurance company for you. Some of the top ranked auto insurance companies according to U.S. News & World Report are USAA, Auto-Owners, Nationwide, State Farm, and Geico.
Read Customer Reviews
Customer reviews can also give you a sense of how an auto insurance company operates. Keep in mind that most people don’t like dealing with auto insurance companies, and so they will have far more negative reviews than other companies that consumers use. However, you can look for red flags in reviews, such as a large number of customers claiming that a company uses unfair or unethical practices, illegal billing practices, or false advertising.
Compare Quotes Based on Coverage
Finally, compare auto insurance quotes based on the type of coverage you need. Your premium amount can vary from company to company based on the type of vehicle you drive, your age, your driving history, and coverage options.
At National Auto Collision Centers, we offer reliable, affordable vehicle repairs and can help you handle your claim with your auto insurance company in Tucson, AZ with as little stress as possible. To learn more or schedule an appointment, call our Grant Road location today at (520) 623-4959 or contact us online.