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Like for example in my truck is insured with Carmouche Auto Insurance which is a local insurance company in my city, so is it just as good as say Geico or Allstate, even though its local. Can you all give me your advice, and pointers? Thanks

2007-04-28 17:40:54 · 7 answers · asked by Anonymous in Cars & Transportation Insurance & Registration

7 answers

I have been on the receiving end of auto insurance for 30+ years. (autobody repair)
Most companies big or small will repair your car as cheaply as they can get away with it. The best that I have dealt with is State farm. They are about the only one that doesn't insist on using cheap parts made in taiwan.

2007-04-29 06:00:10 · answer #1 · answered by Anonymous · 0 0

The primary ways to rate car insurance are cost and service. Cost is fairly obvious as long as you are careful to compare same coverage policies and there are no missing things going "gotcha" in them. The latter is part of service and comparing service basically means looking at published surveys of customer satisfaction and at reports from state insurance boards and the Better Business Bureau. Consumer Reports is one source of the former. In those reports Allstate, for example, is more costly and less helpful than State Farm with both being national. Getting a rating or report on a local company is more difficult although the BBB should have something. However, it is likely that what Carmouche is selling is a relatively standard product by a lesser known company that primarily deals with independent agents rather than having its own as State Farm and Allstate. One clue is how you file a claim when you are away from home. One of the advantages of dealing with a national company is if you feel the local people are screwing you around, you can work your way up the chain of command because that is messing with the national reputation. If you sue, it is going to say John Doe vs Allstate not John Doe vs. Unknown Wholesale Insurance Company selling through Carmouche.

2007-04-28 17:57:06 · answer #2 · answered by Mike1942f 7 · 0 0

the insurance company you have may be a broker so they buy insurance from a larger company and then sell it to you at an increased rate. Each person is different. Your insurance rate will vary based on driving history, accidents and tickets, age sex, credit score, total coverage be it 100,000 or 1,000,000, and deductible. The only thing you can do is call every company and find out which is the cheapist for the best coverage. For the deductible think about getting in an accident, how much money could you come up with if its only 100 ro 200 dollars then that is the deductible amount you should get. It is hard to say if your insurance company is better than a large chain. Even the large chains are inconsistent. I have nationwide and have had 2 accidents that were handled very quickly, i got my money and no hassles. My inlaws have nationwide, had 1 accident and it was a huge mess and it took them 3 weeks to get there money. Insurance is required so you are kind of stuck and the insurance companies know that. they are there to make money not to make you happy.

2007-04-28 17:48:21 · answer #3 · answered by searay092003 5 · 0 0

1

2016-09-24 23:26:55 · answer #4 · answered by Cornell 3 · 0 0

Although some people think you should rate insurance companies on the cost and level of service, I completely disagree. In my opinion you should choose your insurance company based upon cost and how well their coverage meets your needs. For example, Geico doesn't offer GAP insurance or new car replacement whereas 21st Century and Allstate do. Geico doesn't offer coverage for aftermarket parts (like tinted windows) whereas Allstate will. So if you have a new car with aftermarket items, who would you want to insure it? Or let's say you're arrested for DUI and are bailed out...Allstate offers $300 towards the bond whereas other carriers don't offer anything or a lower amount towards it. As long as the coverage provided meets your needs and the price is right for you, stay with who you are with or make the switch. But here's something else....Geico, Allstate, and all the other nationwide carriers are better positioned to address the laws of the state your accident happens in and facilitate repairs quickly; your local insurance company may not be and may have difficulty conducting investigations, handing your vehicle repairs, and applying the negligence laws of the state to your accident. So unless you don't have any special needs or never plan on driving your vehicle out of state, stay with who you are with.

2007-04-28 18:18:34 · answer #5 · answered by bundysmom 6 · 1 0

Here is a short and easy answer.
Because they are big, they have a lot of money availible to pay for an accident, make sense, huh?
but, if you are buying liability only, then it wont matter. Cuz, if someone else hits you, ur insurance co cannot help you legally, because they have to spend at least $1 in order to get involve by law. You have to chase their insurance co for the money. If you rear ended someone, doesnt matter, the other guy will chase the money from ur insurance co anyway, not you, you dont have to care, since you wont get money.
But for full coverage, Big co is better. Because they wont go cheap when it comes to fix ur car. Better mechanic, better components and not used. Small co pays cheap, and takes long.....

2007-04-28 18:02:44 · answer #6 · answered by steak5959 3 · 0 0

Loyalty does not recommend a element until eventually your insurer has an twist of destiny forgiveness coverage. in case you try to regulate coverage, they're going to ask about any previous injuries and could cost you an higher proper classification, regardless of in the experience that they under no circumstances paid a cent. you're in a "possibility" type by using declare you made to Allstate.

2016-12-05 01:16:53 · answer #7 · answered by ? 4 · 0 0

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