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First, shop carriers. Your insurance company will be evaluating what kind of customer you are. But what’s their reputation? What have you heard from friends or relatives who’ve filed a claim? Does your state keep a record of complaints? Check with the office of consumer affairs or office of insurance.

There’s definitely an awful lot of information online to do some comparison shopping. To compare insurance policies and quotes, visit 21st Century.com.

Check with your state insurance department to make sure the company you’re ultimately going to deal with is licensed in the state in which you live. You can reach each of the states through the NAIC Web site at: www.naic.org.

If your state keeps information or logs complaints, what’s the company’s record? While it’s not an exact science, if a company has a high complaint ratio, it’s a red flag. If you’re considering several companies and one has a high complaint ratio, it might push you toward one of the other choices.

Go with a company that has a good financial rating. Check how A.M. Best Co. ranks your company at www.ambest.com.

Start shopping today and get the best rate CLICK HERE!

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