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Saturday, January 17, 2009

Insurance Companies; More Than Quotes

By Susan Tanner

Everyone has to have car insurance. It can be a pain because not everyone can afford their car insurance rates. Many companies have systems and algorithms that can calculate a person's rate based on their risk. This risk is key to car insurance. Just as a driver's calculated risk is important to a car insurance company, a car insurance company's service is important to the customer.

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.

A cheap car insurance quote can be attained from many other companies besides Progressive. Companies such as Allstate have been focusing on providing customers with a cheap car insurance quote in order to gain market share. They do not have the customer service and simple processes when submitting a car insurance claim compared to others, but they do provide many discounts and incentives to customer's that continue their insurance policies with them.

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.

You want a company that will be as helpful as possible when submitting your car insurance claim. The less stress you have the better. If you have to submit a claim, you are already going through a stressful time, and why make it worse with a company that provides poor service?

You can find many companies that can provide you a cheap car insurance quote with quality customer service. This treatment is not for the elite. It is becoming more and more prominent to people of all policy levels, and it doesn't matter whose fault it was. This is a great improvement from the years before.

Over the years insurance companies have been pushing and struggling to lower their prices while maintaining a good image and good customer service. As the industry becomes more competitive with lower and lower prices, your odds of striking gold with a car insurance company improve even higher. More discounts, lower quotes, and better claims are just a start to the new car insurance world - have you looked into it yet?

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