You got your car insurance renewal letter in the mail or in your email. You’re appalled at the increase in premiums, and you aren’t sure how to budget in the added cost. Your first thought may be to search for the cheapest car insurance rates you can get, but price isn’t the only thing to look at when choosing a provider. Here are some considerations when you want to find a new auto insurance agency.
Claims Service
The old saying about how you never know how good your insurance is until you have to use it is true. You want to know you’ll be taken care of and claims handled quickly if you’re involved in an accident, whether you’re at fault or not. It’s a good idea to check out online reviews and the Better Business Bureau, but realize they only tell half the story. Most people won’t take the time to write a review unless they have a complaint, but it’s still good to read what they have to say.
You can also check out reviews from reputable car publications like JD Powers and Edmunds.com. Other sources like NerdWallet provide information on all kinds of financial products, including insurance.
Modern Technology
More providers of car insurance are using apps or online claim filing. It provides convenience to customers who are busy and still need to get information quickly. Online access is often easier and less restrictive than making a phone call.
It’s also just as important to know what the app can do. Some provide basic functionality such as giving you information about your policy while others allow you to pay your premiums or check on claims through an app. The app should be easy to use and not time-consuming or most people won’t bother with it.
Ease of Access to a Person
Even though technology offers convenience, sometimes there’s just no replacing the ability to talk to a live person. Your insurance provider should be a phone call away. If you have to jump through a bunch of hoops and listen to long menus on the phone to reach their desk only to go to voicemail, it can leave you feeling frustrated and alone.
If you have a direct number to reach your agent or even the ability to reach them via email, it can make the process a lot easier. You also want to consider how quickly they return your call and how much information they can provide when you have a question.
When shopping for car insurance in Utah, you want to consider all these factors and not just price alone. Ask friends and family about their experiences with auto insurance providers to determine which agency will meet your needs. While cost of premiums is a major concern when choosing your car insurance provider, you want to find an agency that will work for you when you have a question or need to file a claim. Do your research before you select your new auto insurance provider.
