Car insurance is one of those things you have to have, and hope to spend as little money on as possible. Wait! Before you sign on the dotted line with a company who offers you the cheapest premium possible, you should know there’s a lot more to it than that. You want a policy through a company you can trust. You need a Texas car insurance carrier who is easy to get ahold of and treats you with respect. Of course, the price should be reasonable enough that you can actually afford to pay it! So, how do you find this perfect company? Begin by considering the following:
#1 How much is this going to cost long-term? Buying car insurance is more complicated than just finding the lowest price. Your premium is the amount you pay the insurance company each month in order to keep your policy active. Your deductible is how much you will have to pay out of pocket after a crash or other incident before the insurance company pays the rest. The higher the premium, the lower the deductible. If you need as low a monthly premium as possible, know that you’ll end up paying more out of pocket later on before you meet your deductible and your car insurance kicks in.
#2 How long has this car insurance company been in business? You want a Florida car insurance company with a long history of reputable service. An established track record is something that you must be looking for when choosing an insurance company. After all, you’re paying them every month and you need to know they’ll hold up their end of the bargain should you need payment after a crash or other incident.
#3 What kind of service do they offer? The cheapest car insurance in the world isn’t going to do you much good if you can never get ahold of them to make a claim on your policy. When you call their 1-800 number, do you sit on hold forever? Even better, do they have an online portal or app so you don’t need to call at all? When you do make a claim, do they pay right away or are there frustrating delays? These are very important factors to keep in mind.
#4 Do they have complaints made against them? You may be asking how you would know the answers to the questions asked in bullet point number three if you’re not yet a customer. The answer is to search the internet for reviews from current policy holders. If someone feels they aren’t getting good service from them, you can bet they are making complaints! Although no one pleases every single customer every time, a volley of complaints of a similar nature should not be ignored.
Pronto Insurance is ready to answer all of these questions for Florida drivers like you because we are confident that we’re the right choice!