UPDATED: Mar 13, 2020
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Shopping for auto insurance coverage can be a daunting task at times. With all the industry-specific terminology and jargon it can be hard to even know where to start. With dozens of auto insurance providers to choose from, the task becomes much harder.
If you aren’t comfortable choosing an auto policy on your own, you may want to enlist the help of an auto insurance specialist or an expert to help you through the process. You might think of an auto insurance specialist as a broker or an insurance agent who works downtown in an office. Often times, these “specialists” are only trying to make a dollar off of your business.
Continue reading below to learn:
- How to choose the right insurance company
- What kind of auto insurance specialists are there?
- Ways you can look for the right insurance policy online
- How you can use our tool to compare car insurance quotes
How To Choose An Auto Insurance Company
When looking for assistance with choosing an auto insurance company there are a couple of routes you can take.
Your first option is to get in contact with a local auto insurance agent. There are likely a few auto insurance companies right in your hometown that you can go to and/or call. You can look them up in your local phone book or even Google them. These people will definitely know how to help you, but there are strings attached.
Your local insurance agent has one duty, and no, it’s not to get you the absolute best deal on auto insurance. In fact, it’s quite the opposite. An insurance agent’s goal is to get the most money out of you for them and their firm, or auto insurance company.
So before you call up an auto insurance agent, know that you’re likely going to end up paying more than you have to for your auto coverage.
What Kinds of Car Insurance Specialists Are There?
The average person isn’t a car insurance expert. Most people know relatively little about car insurance. That’s okay! There are plenty of car insurance specialists that do know a lot about car insurance. These experts can include agents, brokers, actuaries, adjusters, underwriters, and other professionals involved with the car insurance industry in some capacity.
Here’s a brief overview of how each auto insurance specialist works, including the role they play in the industry.
Agents: Insurance agents are typically the front lines of a car insurance company. They’re the salespeople in charge of interacting with customers. An insurance agent works for an insurance company to generate new business. The agent also helps the client choose a plan that suits their needs. Some insurance agents specialize in selling insurance, while other agents specialize in other aspects of interacting with customers on behalf of the insurance company – like helping existing customers choose the right coverage.
Brokers: An insurance broker acts on behalf of the client – like you. An insurance broker works in a similar capacity as an insurance agent: the goal is to help clients choose a good insurance plan. However, instead of working for a car insurance company, a broker works on behalf of the client. Brokers use their knowledge and experience to assess your needs, then they recommend an insurance policy based on those needs.
Actuaries: An insurance actuary analyzes the possible outcomes of the types of events that can affect policyholders. They use statistical information to calculate risk, then share that information with the insurance company. The goal of an insurance company is to keep premiums competitive while also ensuring the company remains profitable. An actuary plays a crucial role in ensuring the right balance of affordable premiums and profitable business.
Adjusters: An insurance adjuster works on behalf of the insurance company. The adjuster will review your claim. He or she might visit your property to analyze your damaged vehicle after an accident, for example. An adjuster analyzes your claim, then looks at your policy to determine how much the insurance company is required to pay for your claim.
Public Adjuster: A public adjuster is typically hired for home insurance claims with losses totaling $10,000 or more. If you disagree with your insurance company, then you might choose to hire a public adjuster to negotiate with your insurance company on your behalf. Public adjusters don’t typically work with car insurance claims. They get paid based on a percentage of the final settlement offer, so a smaller car insurance claim may not be worth it.
Underwriters: An insurance underwriter uses advanced software to analyze your insurance application. After you apply for car insurance, the insurance company will begin the underwriting process. At this point, the underwriter will begin evaluating the risk (for the company) of insuring the driver.
Finding An Auto Insurance Company Online
The other path you can take is to let us at 4autoinsurancequote.com do the work for you. We have years of experience and expertise in finding auto insurance quotes online for our customers. You can view us as your online insurance specialists. We have reviewed many insurance companies throughout the years and know which ones are the most reputable.
There are a few advantages to using 4autoinsurancequote.com when shopping for auto insurance. For one, it’s going to take a lot less time and struggle. You don’t have to sit on hold, drive to the local office, or haggle with an agent for a good rate. Requesting multiple quotes using our tool only takes a few minutes, and you don’t have to feel guilty for turning down an agent.
You’re also likely to save a heck of a lot of money in the process. When you contact an agent, they have you in their grips, and knowing you don’t have other options, they are likely to charge you more than they need to. And who needs that?
How We Can Help You Compare Quotes
When you enter your zip code in the form above, you’ll get quotes from multiple auto insurance companies, not just one. These companies need your business and will offer you the lowest premium they possibly can when competing with other auto insurance providers.
The quotes you’ll receive have been fine-tuned to meet both your requirements and those laid out by the state you live in.
Again, by entering your zip code above you get all the advantage of working with an auto insurance specialist – without all the hassle.
Additional Resources To Look At