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In Cheap Car Insurance Blog you will learn How to choose the best place to get the lowest car insurance quotes and local cheap car insurance Online.
Each car owner will have their own unique way to find the lowest cost car insurance. There will be different factors most drivers will need to work with. Some of these can include the state you live in, your age, the type of car being driven and your credit history. However, there are several areas all drivers can pursue to find the lowest prices on auto insurance. We will review the most important, maximizing discounts, finding the lowest auto insurance company, arriving at the right coverage and leveraging your driving profile. If you search for low car insurance rates, low car insurance quotes and online insurance quote car you are in the right place

Saturday, January 21, 2017

Why Customer Service is Important

Why Customer Service is Important

There is very little talk about why you should consider customer service when looking for a car insurance company.  If you sign up for a new policy on the internet, you may go several months without thinking about the type of company you signed up with.  Eventually, this will change quickly the day you run into problems on the road.  This could be from someone hitting you on the road or even an accident when your parked car is hit.  At this point, it will be more evident as to why the customer is important with your car insurance.

Not All Companies are the same

There are many variables as to why you will see differences when comparing customer service.  One of the primary factors relates to the resources that are dedicated to serving customers.  This can translate to how many trained; experienced customer service representatives are available to answer phone calls.  If a company is experiencing a high level of turnover, you may be stuck with someone who can’t effectively help you with your problem.  A good starting point to evaluate customer service is how many resources is an insurance company dedicated to servicing questions and claims.  What other areas can be looked at?

How your State Insurance Office can help

With car insurance being regulated by state insurance offices, there frequently is valuable information your state insurance website will provide on insurance companies registered to do business where you drive.  Whenever a car owner files a complaint against an insurer, it will typically end up at the state insurance office.  Also, the state will monitor how each company is following the regulations for fair practices.  If an insurer is not compliant, the insurance office will keep track of these violations and frequently will post a summary of the total violations of each company on their website.  By spending a few minutes on your state insurance website, you can get an idea of who customers are complaining about and which insurers are not following the rules of the state.

Look at the Business Model

Another good way to see which company will provide solid customer service is to look at the type of business model they are operating under.  Generally, you will see 2 forms of an operating model.  The first is a direct sales model where the insurance company will sell insurance directly to the customer.  A good example of a direct business model can be seen with Geico.  Geico operates with a few local business offices and is able to keep their overhead down because of this.  Most of their support will come over the phone, and you will not deal with a direct sales agent for your account.  The second type of business model is where you deal with an agent directly.  This is typically the person who signed you up for your policy and is the person you can speak with if there any questions.  Examples of these companies are Allstate and State Farm.  These companies will typically have a local dedicated agent assigned to support you.  If you have an effective agent, this is an excellent way to make sure you are being served effectively.  Make sure you understand how your insurer is set up to help understand how you will be supported.

In Summary

In summary, it will help to spend extra time looking at the insurance company you plan to go with.  A company like State Farm and Allstate may be a good choice if you want an established agent that is familiar with your policy.  If want to save money on your premiums and take a chance on customer service it may make sense to go with a company operating under a direct sales model.