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By: ricky jack

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Monday, 14-May-2012 10:45 Email | Share | | Bookmark
5 tips to buy best Michigan auto insurance

You want to buy auto insurance and wondering how to get one in Michigan. There are lot of auto insurance offers in Michigan, but let me give you some tips which will help you out in deciding which one you should opt for. First, there is lot of confusion in everyone's head, which insurance company is best, which will help you out and when you will need them the most.

1) Consult body shops owners – Consult what local body shop owners say to you. They interact most with insurance adjusters and they can specifically tell you, which company got smoothest claim process. They will have unique perspective on every company and they will even know which companies push genuine parts or second grade parts (just to push the cost down). That’s first step to find best Michigan auto insurance company.

2) Check the JD power ratings – Before settling for any insurance company, you should visit JD Power consumer center will guide you for best Michigan auto insurance companies. They collect data from various resources and rate them according to claim handling, customer support, satisfaction with company reps etc.

3) Check insurer’s financial power – There is 2 ways to check whether insurance company is doing well financially or not. A.M Best and standard and poor’s, both publish financial status of all insurance companies on their website. That’s a good way to check, whether company is in good standing to pay insurance claims smoothly. Though, it doesn’t tell you about their customer representative department or how politely, they handle you as customers.

4) Consider consulting more than one agent – That’s other way to check which auto insurance company in Michigan is best. Agents usually tell you why you shouldn’t pick any other company. They give you all the negative points you require for other companies. After 6, 7 meetings with 3,4 agents, you will have crystal clear idea, which company is best out there. There is no point in making decision in haste.

5) Visit website of Michigan’s insurance department – The biggest positive point of looking at your state’s insurance website is to look at “consumer complaint ratios”. Bigger the ratio, worse a company.

After going through all these points, you will be able to select best Michigan Auto Insurance companies. I totally agree, choosing insurer is not an easy job. It’s a long term decision on your financials.

I have seen so many people screwing up whole thing. Do not hurry; give yourself at least 15-20 days to make decision.

I also know, some of the readers will read this article and never apply these tips. But, since, I put so much effort into writing and publishing this article. Consider, applying at least one or two tips before choosing Michigan auto insurance company. I am sure, you will get some genuine offers and you will not be burned during the claim process.


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