By Greg Haehl
How is the average insurance buyer ever going to determine
which car insurance company is the best? That sounds like a
nightmare instead of a shopping comparison. Insurance agencies
are located in every major city and suburb in America. These
agencies are either independent agents that represent several
insurance companies or exclusive agents that represent one
company. These are insurance companies that use the agent
distribution as their method of marketing their products.
Some insurance companies have chosen to eliminate the agent
use the mail, the telephone, or the internet to sell their
products. The property and casualty companies are always in a
battle for market penetration. The insurance companies have to
walk a fine line between new acquisitions and expense to do
business. This is important information for the consumer
because they are the ones making the final decision on who is
winning. The best insurance company for you may be completely
different than one preferred by your next door neighbor. Time
and experience have a way of guiding you to your choice of
Things to Consider….
1. Insurance Agent – The car insurance agent has been the
single most successful means of insurance distribution in
insurance history. The neighborhood agent has ties to the
community and is easily accessible. That is a great value to a
great many people especially with people who want person to
person advice and counsel.
2. Direct Distribution – This is the name that we will give to
the insurance companies that sell you insurance with 800
telephone numbers or through the internet and mailing
They sell direct to you and you are serviced by them through
customer service call centers. The direct distributor claims
have lower rates because they have eliminated the agent.
Once you determine how you want to be serviced then you can
begin a search for those types of insurance companies. AM Best
is a rating guide that you can find in your local library that
gives you the financial strength of each insurance company.
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