Idaho Insurance Coach

Rating models used by the major companies all take credit into consideration. Not all rating models will treat your situation the same way. Some will be more favorable to you than others. It really is that individualized. Get multiple quotes from credible companies. Don't waste your time with companies you don't want to be with.

If you decide to go with a company represented by agents, you might ask yourself the following questions:

• Is the agent willing to meet with me for an annual review?
• Is the agent willing to help you with claims?
• Is the agent willing to meet with new drivers in your household?
• Does the agent know and understand his own company's policy language?
• Is the agent looking out for your best interest?

As for the choice in companies, here are a few things to consider:

• Is the company licensed across the county or is it a small regional company? If you are with a small regional company, you may have to switch companies if you move to a different state.
• Is the company financially stable enough to handle severe weather events (hurricanes, tornados, earthquakes, etc.) and economic downturns?
• Does the company offer competitive premiums?
• Is help accessible? Can you get help after hours? Can you make online payments? Does the company offer a cell phone app?

Not all companies are the same when it comes to handling claims.

• Why not ask for a referral. Talk to body shops and restoration companies and find out which companies do the best job taking care of their policy holders.
• Check out what consumer reports has to say about auto claim handling.
• If you do have a claim, are you restricted as to which body shop you can use?
• If you hear, “That claim is not covered!”, can the agent back up the company with the policy language that clearly explains why the claim is not covered?