No matter how many car insurance company reviews you read, choosing the right auto coverage can feel tricky. With almost 6,000 insurance companies in the United States, you might also feel overwhelmed. In this chapter, we’ll be your car insurance guide to help you narrow your options and choose the right company.
At David Pope Insurance, we don’t expect drivers to select a policy without being informed and comfortable. If you need guidance buying car insurance today, we’re waiting to help you.
Ready to shop for an insurance company? Follow these steps:
Although insurance companies look a lot alike, they do not all offer the same coverages, and they may feature varying deductibles. Figure out the type of coverage you need and what you can afford before you start shopping so you don’t waste time with insurers that can’t meet your requirements.
Decide what type of insurance provider you want. For example, do you want to work with an independent agent or a captive agent? A captive agent sells insurance for one company. An independent agent works with various insurance companies and can help you consider a range of options.
Start by looking for top-rated insurance companies in your area. Consider each company’s reviews, customer experiences and company profile. Once you’ve found a few local companies with positive reputations, add them to a list.
Insurance prices vary a lot between companies, so you’ll want to contact each insurer on your list to get a quote. Aim to obtain at least three quotes from three different insurance companies to compare prices.
Once you’ve found an insurance company that seems like a good match, contact the agent and ask questions. Consider the following as you speak with them:
It’s important you feel comfortable asking your agent questions because they’ll be the one you turn to if you need assistance with a policy-related issue, update or question.
Before you meet with an agent and sign a policy, compile a list of questions to ask. These might include:
Make sure you go over the fine print with your agent and understand any extra costs.
As a vehicle owner, you need auto insurance to protect you, your passengers and your favorite set of wheels. With the right coverage, you can enjoy Missouri road trips or driving anywhere in the country with much greater peace of mind — not to mention a less stressful daily commute.
At David Pope Insurance, we know the options can seem overwhelming when choosing the right insurance policy. We also understand you might have a lot of questions, and we encourage you to ask away. As a local, family-owned insurance provider, we’ve been helping Missourians find affordable auto insurance plans for over a decade. We shop around for our customers to locate the lowest rates on the market while providing the coverage they need. We also offer home, commercial and life insurance, so you might think of us as your one-stop shop. To learn more about our services and how we can help, please contact us today.