How to Compare Car Insurance Companies

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There are lots of resources at your disposal to compare car insurance companies. (Photo: @achirathep via Twenty20)
Getting a headache sorting through all the car insurance companies out there? Whether you’re purchasing insurance for the very first time or looking for a better deal, comparing car insurance companies can be confusing. From the sheer number of companies to sift through to varying policy options and rates, it’s easy to be overwhelmed.
You may be tempted to fill out an online form and simply select an insurance company based on the lowest price. Or, perhaps, a catchy commercial or social media ad swayed your opinion. While this may be the easy route, it won’t guarantee that you get the coverage you need.
Go beyond just the dollar amount and take the time to compare insurance companies. When making your comparisons, follow these simple steps.

Comparing Car Insurance Providers

Step 1: Research each company. Take a look at the company itself. How long have they been in operation? Review its rating with the Better Business Bureau (BBB) and locate any sources of reviews about the company, such as customer complaints or potential lawsuits against the company.
For example, State Auto has an A+ on BBB, but it has mostly negative reviews. Reading these reviews can give you valuable insight into how a company treats its customers.
Going even further, take a look at a company’s stock ratings to determine where their business is headed. A steady increase in revenue shows that a company is more likely to be in business when you need them the most.
Step 2: Don’t stop at two. While only two companies are needed to make comparisons, research as many companies and offerings as possible. Look at local and regional insurance providers, as well as major national providers. Regional companies may have additional benefits and discounts that are more suited to where you live.
Step 3: Request a quote. A big component of comparing car insurance companies revolves around price and what they offer. Quotes can be obtained online, over the phone, or in person in local offices. Regardless of your personal preference, it’s easy to request a car insurance quote.
Step 4: Look at all the extras. Many insurance companies provide additional offerings with their insurance policies, from roadside assistance to discount programs and even help with travel planning. Depending on your vehicle use and lifestyle, spending a few extra dollars on your insurance policy could result in other long-term savings.
Step 5: Ask around. Beyond computer algorithms, nothing can provide a better real-world comparison than personal reviews. Ask friends, family members, and coworkers what insurance companies they use and why. Take their negative and positive experiences into account when making your final decision. An additional resource is J.D. Power, which rates auto insurance companies by region using five factors: Interaction, price, policy offerings, billing process and policy info, and claims.
As you can see, comparing car insurance companies can be an involved process — but it can pay off in a big way! If you want to easily and quickly try comparing car insurance, use Jerry.ai, a free service that will compare rates in 45 seconds and help you find the policy and rate that’s best for you.
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