I don’t think there is one site that can give you the best auto insurance review. I say this because the factors that are considered in making reviews changes over time. Sometimes months, sometimes days.
One factor that is included in almost all reviews is how fast a company processes claims. Do they release claims immediately or do they wait until you fill out forms in triplicate? Aside from the speed of claims processing, the rate of claims actually released is also considered. For example a company may process claims in less than 24 hours but they are likely to deny it in the end due to a number of excuses.
There are a lot of sites that can help you in your quest for reviews. One of these is the aptly named “Automobile Insurance Review.” Instead of just one person reviewing a company, what they do is gather opinions from different customers. Each customer that is registered on their site gives their own personal comments as well as a star rating. I warn you though not to put trust in their ranking entirely. Read the comments first and see if you agree. The comments will also give you different perspectives on the company.
Another site that you may want to consider is “Car Reviews.” Like with AIR, they don’t have one best auto insurance review. They also gather different reviews by customers. Unlike AIR where you need to choose a specific company first before being able to see a review, in Car Reviews, you get to see the name of the company, how many reviews have been made and their average score.
Take for example AAA Insurance Company. In its website, AAA has three reviews with two of them giving the company one star and the remaining one four stars. In the other website, you can immediately see at a glance that 49 people have reviewed AAA and it has an average of 2.08 out of 5.
So which of the two gives the best auto insurance review? The answer is its up to you.
However, if you are the complete opposite of a driver with good driving records and you’ve been involved in too many traffic accidents and violations, your auto insurance premiums will suffer. It will definitely increase beyond your imagination.
To be specific if you are the kind of driver who drives aggressively, who tends to over speed, or you drive even while impaired or often uses his or cell phone while driving, then chances are you may just see an increase on your auto insurance premiums. Because these four driving behaviors are those that would likely affect your driving records negatively thus increasing your auto insurance premiums.
Meanwhile, the most known moving violation and regarded as the most fatal is over speeding. This driving behavior is frequently done by drivers who are running late for work, or overwhelmed by their new auto, or those who just enjoy over speeding. In general, auto insurance carriers may increase your premiums by as much as 50% for just a single over speeding ticket within a three year period.
Also, if you are operating your auto even if you’re not in a good condition to drive (if you’re sleepy or you are drunk) then you’re just waiting for a disaster to happen. A driving while intoxicated (DWI) or driving under the influence (DUI) conviction will increase your auto insurance premiums twice, thrice, or four times the original auto insurance premiums you’re paying. Plus, you will be automatically categorized as a high risk driver and be charged with auto insurance premiums that are solely for high risk drivers.
Lastly, the National Safety Council sees using your cell phone while driving as one of the growing dangers on the roads today. Multi-tasking should be avoided while you are driving.
Just avoid those driving behaviors and I’m sure you’ll get the best auto insurance. For more information on how you can save on your auto insurance, ask your auto insurance agent or shop for auto insurance quotes.
One factor that is included in almost all reviews is how fast a company processes claims. Do they release claims immediately or do they wait until you fill out forms in triplicate? Aside from the speed of claims processing, the rate of claims actually released is also considered. For example a company may process claims in less than 24 hours but they are likely to deny it in the end due to a number of excuses.
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There are a lot of sites that can help you in your quest for reviews. One of these is the aptly named “Automobile Insurance Review.” Instead of just one person reviewing a company, what they do is gather opinions from different customers. Each customer that is registered on their site gives their own personal comments as well as a star rating. I warn you though not to put trust in their ranking entirely. Read the comments first and see if you agree. The comments will also give you different perspectives on the company.
Another site that you may want to consider is “Car Reviews.” Like with AIR, they don’t have one best auto insurance review. They also gather different reviews by customers. Unlike AIR where you need to choose a specific company first before being able to see a review, in Car Reviews, you get to see the name of the company, how many reviews have been made and their average score.
Take for example AAA Insurance Company. In its website, AAA has three reviews with two of them giving the company one star and the remaining one four stars. In the other website, you can immediately see at a glance that 49 people have reviewed AAA and it has an average of 2.08 out of 5.
So which of the two gives the best auto insurance review? The answer is its up to you.
What Driving Behavior Affects Getting The Best Auto Insurance Rates
In most cases, if you have a good driving record that means you may also enjoy paying for the best auto insurance rates. Auto insurance companies believe that a driver who has good driving records is a safe driver. Thus, if you are safe driver that means lower chance of getting involved in accidents and traffic violations so lower chance of filing for auto insurance claims.However, if you are the complete opposite of a driver with good driving records and you’ve been involved in too many traffic accidents and violations, your auto insurance premiums will suffer. It will definitely increase beyond your imagination.
To be specific if you are the kind of driver who drives aggressively, who tends to over speed, or you drive even while impaired or often uses his or cell phone while driving, then chances are you may just see an increase on your auto insurance premiums. Because these four driving behaviors are those that would likely affect your driving records negatively thus increasing your auto insurance premiums.
Meanwhile, the most known moving violation and regarded as the most fatal is over speeding. This driving behavior is frequently done by drivers who are running late for work, or overwhelmed by their new auto, or those who just enjoy over speeding. In general, auto insurance carriers may increase your premiums by as much as 50% for just a single over speeding ticket within a three year period.
Also, if you are operating your auto even if you’re not in a good condition to drive (if you’re sleepy or you are drunk) then you’re just waiting for a disaster to happen. A driving while intoxicated (DWI) or driving under the influence (DUI) conviction will increase your auto insurance premiums twice, thrice, or four times the original auto insurance premiums you’re paying. Plus, you will be automatically categorized as a high risk driver and be charged with auto insurance premiums that are solely for high risk drivers.
Lastly, the National Safety Council sees using your cell phone while driving as one of the growing dangers on the roads today. Multi-tasking should be avoided while you are driving.
Just avoid those driving behaviors and I’m sure you’ll get the best auto insurance. For more information on how you can save on your auto insurance, ask your auto insurance agent or shop for auto insurance quotes.
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