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Friday, February 6, 2009

Insurance Companies; More Than Quotes

By Susan Tanner

All legal drivers are required to have car insurance; this is common knowledge. However, in the past most car insurance companies rates may be too high. This leads to illegal, uninsured driving. No matter how good of a person you are, car insurance companies base their quotes and rates off of your risk. A calculated risk is the most important thing to a car insurance company, just as the company's customer service is key to the buyer.

A car insurance's customer service is the key factor in how many customers an insurance company will receive. When a new customer submits his insurance claim, this is the most important area in factoring how the different insurers will treat you. Thus, this area is one of the focuses of all insurance companies.

One example is Progressive, a well known, highly advertised car insurance company. With Progressive it takes less than ten minutes to set up your claim. They provide quick access to repair shops where you have a qualified mechanic to work on your vehicle while providing you with a rental car so you are not at loss for transportation. Now they are trying to catch the eye of customers through offering cheap insurance quotes compared to their history of high insurance costs.

These cheap quotes are available through many different insurance companies. Allstate is another company that has been trying to provide cheap car insurance: Although they do not always follow up with the customer service aspect of the deal. Instead they give other discounts and benefits which is a successful way for them to attract customers.

You should read customer reviews about many insurance companies that are national brands and local brands. You will be able to find those that provide you with very good quotes for a policy you want. This can be a local firm offering you certain rates because you are a local of the area. These reviews can help you narrow down you choice. Again, focus on the claim service.

Make sure the company you choose is extremely helpful. When you submit a claim it is a stressful procedure and having a company that just frustrates you even more does not help the process. Another reason why having good assistance when submitting a claim is vital in having a quality insurance provider.

Finding cheap car insurance with above average customer service is not a hard thing to do. This is something that has improved immensely from the past; as you do not have to be royalty or a high class citizen to get treated decent with your agent. This treatment is now available to everyone.

Over the years insurance companies have been striving to get better rates with better customer service. This has brought along with it competition that only benefits the customers as they fight over one thing - your approval. Car insurance companies are no longer the bad guys; they give better rats and great benefits along with many other things. Look into your insurance company today, do you deserve better?

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