Do Your Homework - AUTO POLICIES, TX
Ask ten friends what they want in an insurance company and more than half will say "good price!" One or two will say "best company!" There may be a loner or two that chime in with "best customer service and availability!" You see, we all value different things when it comes to our own personal, customized needs.
Some folks like to be left alone to the research online, then enter payment info and go about their merry way. Others like to "shop" their coverage yearly or every policy period, looking for the best possible price. Then you have the "relationship seekers" who literally want to know exactly who is taking care of them, their needs, and their assets. Once you get 'em, you got 'em as long as you continue to serve their needs.
Regardless of which of those customer segments you fall into, be sure you do some research prior to getting online, making those calls, or visiting your local insurance agent's office. The most awkward moment is usually when I ask my potential customers "What amount would you like for us to pay in the event you caused a major accident with injury and perhaps death?" Silence fills the room or the other end of the phone for a brief moment, and then I get "Well, what do you mean?"
If you do your comparisons up front, you'll have an idea of what the legal limits of liability coverage are in your state and why it is you may want to purchase more than that, depending on what you stand to lose in an at-fault accident. You will know more about how each company stacks up against others and which ones you should stay away from; which ones have the best claims departments and customer service centers after hours.
Not everything should be solely based on how inexpensive it is for you to purchase. #yougetwhatyoupayfor
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