User Review
( votes)Car Insurance Ratings
Shopping for a new Vehicle Insurance Company? Isn’t it great that you can shop for car insurance and get a car insurance quote online? Isn’t it great you can actually find cheap car insurance and car insurance policy information online? Isn’t it great you can even get your car and home insured, and have your entire policy approved and paid for online within minutes? Yet, why isn’t it the overall experience as great as it could be? Simply because there are so many choices, and finding the best car insurance company is about more than just an affordable car insurance policy. How many of us really have the time or desire to fully exhaust all of the possibilities and find more than just a cheap car insurance policy, and know we actually are getting the best car insurance company for our needs? It could take days, weeks – maybe even months to price out all of the different policies from various car insurance companies. Even then, there is more to a decent car insurance company than just price. If it was only a matter of finding a cheap car insurance policy, we’d be done in minutes. So, what else do we need to know?
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What is a Good Vehicle Insurance Company?
Auto Insurance Criteria
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Customer Experience
How satisfied are you with your provider? -
Your Policy Options
What kind of coverage do you have? -
Your Policy Pricing
How much does your policy cost? -
Paying Your Bills
How easy is it to pay your bills? -
Contacting Your Provider
How easy is it to get a hold of your provider?
Making Sense of Car Insurance Ratings
Top-10 Car Insurance Ratings
Credit Scoring for Auto Insurance
Insurance you can’t afford, is never a good choice. We have seen to many people buy higher limits, seaking the “Best Insurance” then not be able to keep the insurance going, and ended up having an accident while uninsured.
You can’t turn on a TV or radio, read a newspaper, or click your way through the internet,; without being bombarded of stories of banks and finance companies being far less quick to loan money. After years where it seemed banks would give a large home loan to anyone with a pulse; those same institutions are under enormous pressure to limit loans to anyone preseved as being a higher–risk.
As lenders increase the selectivness of who meets their new standards, a higher credit score has become a necessity in obtainilng credit period. What fewer people realize is the dramtic impact that your credit score can have on your Auto insurance rates.
“Credit impacts every element of your life,” says Adam Levin, co-founder and chairman of Credit.com, a consumer advocacy website. “The stronger your credit, the easier it is to get the things you want.”
Whenever you’re applying for health, life, or auto insurance, many companies will pull your credit report when you apply for insurance. Progressive, Geico, State Farm and Allstate all run your credit report prior to starting your coverage, and each of them state that they have studies that have linked poor credit with higher claims and or a greater frequency of insurance claims. Insurance companies not wanting to lose money ; yet opporationg in a very competitive markiet place utalize credit scores as a means of selection. — if you’re score is deemed not a safe bet for them, they’ll surscarge your rates. The surcharge connected to a low credit score can be larger than the charge for Drunk driving.
While most drivers intuitively understand, and expect, that speeding tickets, driving under the influence of drugs and alcohol; or a pattern car accidents will increase their auto insurance premiums. However I think the lion’s share of Americans would be surprised to find that a poor credit report can dramatically increase the premiums they pay for automobile insurance.
In other words, one’s credit history, can often have a greater impact on one’s rates than one’s one’s driving history,