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Have you thought about asking for a free auto insurance quote on the internet? Are you concerned because you may not know anything about the company providing the quote? Are you wondering how you can find out about the reputation of the company giving you a quote, especially when it comes to paying out claims? This article will tell you how to find out about insurance companies: their financial stability and how many consumer complaints they receive, how to ask for a quote so you can compare apples to apples, and results of online quotes from eight known auto insurance companies. How to find out the stability of an insurance company The financial stability of a company is rated by A.M. Best and Standard & Poor's. These companies provide an independent opinion of an insurance companies ability to meet its ongoing policy and contract obligations. The A.M. Best rating is expressed as a letter grade from A++ (the highest) to D. It is recommended that you do not work with companies rating B or lower. The Standard & Poor's Ratings range from triple A (the highest) to CC. It is recommended that you do not work with companies rating lower than BBB. How to find out individual policy holder satisfaction with an insurance company Annually J.D. Power and Associates gathers data from policy holders nationwide regarding policy options, pricing, automated phone service and overall satisfaction, with the insurance company providing their insurance. The best rating is 5. How to Find Out the Number of Consumer Complaints The Department of Insurance for each state provides the general public with consumer complaint ratios. This ratio helps the consumer to identify the number of complaints per number of claims filed. A maximum of forty companies are compared. If more than forty insurance companies have complaints, only the forty companies with the most complaints will be compared. It is recommended that the complaint ratio be checked in three or more states to identify specific insurance company trends. A ratio of less than one hundred is better than average. How to ask for a quote so you can compare apples to apples A response to the following information must be decided before asking for an auto insurance quote: *Car make, model, year, current mileage *Deductible amount for collision, comprehension and liability *Coverage for medical *Purpose for using the car *Miles driven per year *Number of designated drivers *Drivers ages What is the result of performing the above steps? The Auto Insurance companies used for this Auto Insurance Quote Review are 21st Century, Allstate, Esurance, Geico, Nationwide, Safeco, The Hartford. These companies were selected based on longevity in the business and their familiarity to consumers throughout the United States. The stability, consumer overall satisfaction (Sat.), policy options (Opt.), price (of premium) and automated phone service rated as follows. J.D. Power and Associates Insurance Co. AMBest S&P Sat. Opt. Price Phone 21st Century A A 3 3 4 2 Allstate A+ AA- 3 3 3 3 Esurance A- n/a n/a n/a n/a n/a Geico A++ 3As 3 4 4 3 Nationwide A+ A+ 3 3 2 3 Safeco A A- 3 2 2 3 The Hartford A AA- 3 3 4 3 The number of consumer complaints for these auto insurance companies rated as follows in the states of Illinois, Minnesota, Missouri, Texas and Kentucky. The Complaint Ratio for Five States Insurance Co. IL MN MO TX KY 21st Century n/a n/a n/a 199 n/a Allstate 55 130 130 165 19 Esurance n/a 212 212 455 0 Geico 33 149 128 132 116 Nationwide n/a 76 76 131 0 Safeco 29 117 117 71 25 The Hartford 29 n/a 454 200 54 The Auto Insurance Quote Sample The following information was used for all quotes: *2006 Toyota Camry 4dr v6 engine LE *50,000 miles *Driven under 9000 miles per year *Used for pleasure *$100 Deductible for comprehensive and collision *$250,000/$500,000 Liability & collision *$10,000 medical *One car and two drivers Auto Insurance Quotes The following six month policy quotes were received from each of the companies listed below: Company Quote 21st Century $237.68 AllState $392.00 Esurance $343.00 Geico $260.10 Nationwide $415.40 Safeco $281.00 The Hartford $375.00 Ways To Lower The Premium Most insurance companies will offer discounts for the following events: * Save driving record for 3 - 5 years * No minor infractions for 3 years *Anti lock devices installed in your vehicle * No DUI for the last 3 - 5 years * License not suspended for the past 3 years *Good credit rating *Car owned rather than leased or financed *A second vehicle is also insured *Other types of insurance is also purchased from them High risk drivers can expect to have a higher premium. Not all insurance companies will insure them. In addition when a high risk driver has an accident, the insured can expect difficulty when attempting to get the vehicle repaired using car manufactured parts. Generally auto insurance companies will pay only for the cheapest parts available. Some insurance companies offer a lower premium for the first year as an enticement to encourage you to get your auto insurance coverage through them. So always ask about the second year premium price.

Getting cheap car insurance for young drivers in not easy and many parents worry about it. Many parents buy expensive car insurance for young drivers because of proper knowledge. Apart from the riskiness of teen drivers, following these 5 tips you will be able to find cheap car insurance. 1. Installing Safety Features Auto insurance companies may first check how safe the car the young driver is driving. Having many safety features in the car is considered to get car insurance that is cheap. Install anti-theft device in your car and try to install other safety device. This is the easiest way to reduce your insurance rates. 2. Having A Good Student Discount Another way to find cheap car insurance for young drivers is having a good score in class. Auto insurance companies offer discounts for those who have an average B or above in class. Young drivers can get discount and save up to 15% by simply just maintaining good grades in school. 3. Attending Driver Safety Courses If you don’t have any safety course certificate then attend motor vehicle accident prevention course. Also try to attend other safety courses approved in your state and provide the documents that you successfully complete the courses and you will get cheap auto insurance from the company. 4. Purchasing Low Cost Or Used Vehicles High performance car usually carries high insurance rates, so avoid buying luxury, sports cars or light cars. If you are going to insure old or used car, car insurance companies may give you the insurance policy that re cheap. 5. Considering Higher Deductibles If your insurance has a higher deductible, you can lower the insurance rates, but you may have to pay more expense after the accident. Cheap Car Insurance Company For Young Drivers Among the thousands auto insurance companies there are few car insurance companies which offer insurance package specifically for young drivers. The best auto insurance company for young drivers is Nationwide. Young drivers have an accident and its simple to consider, but this will increase drivers’ insurance rates 25%-30%. If you insure your car with Nationwide, you can save money and don’t have to pay increased rates by it’s accident forgiveness package. Though getting cheap car insurance for young drivers is tough, but if you follow these tips then you will find the cheapest auto insurance for teen drivers.

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