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How To Choose Auto Insurance

If you are shopping for auto insurance, it is easy to fall into the trap of simply looking for the lowest rates and signing on with a company with a rock bottom price. However, there is a whole lot more to consider when you are looking at the total package of what makes a good auto insurance company,

Sponsored Results For: and one of the things you need to examine is auto insurance claims and how each company handles auto insurance claims. Below, find three questions to ask each auto insurance company before you sign on the dotted line.

1. How do you process auto insurance claims? Some companies require you to call during limited business hours, while others require a fax. Still other companies respond to auto insurance claims 24 hours a day, seven days per week, even sending an agent out to evaluate any repairs needed on the spot. Be sure you are comfortable with the methods by which the company handles auto insurance claims.

2. What rules and regulations surround your auto insurance claims practices? Make sure that all the information you need is clearly available, and not lost in some fine print. Some companies require telephone notice of any accidents or damage within 24 hours, some are more flexible. You will want to choose a company that is very up front about what it requires on your end for auto insurance claims.

3. How quickly do you respond to auto insurance claims? When your car has been damaged or is even undriveable, you want to know how long it will be before you can have it back. Ask each auto insurance company what their turnaround time is on the typical claim, so that you are prepared and aware of your situation should you ever need to make an auto insurance claim.

Obviously, there is more to consider than just price when you are shopping for auto insurance. Many people do not even think to look into how their auto insurance claims will be handled until a time comes when they need to make a claim. Make sure that you are not in for any unpleasant surprises down the road by taking the time to ask the questions about auto insurance claims above before you make a decision.

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