Does it feel like you’ve been looking for the one in all the wrong places? You know, the one.  The one that you’re compatible with.  The one that you communicate with - that listens to you go on and on about that same problem.  The one who’s there for you in times of distress.  The one that you spend so much time searching for.  The one that you can say you truly love.  The one auto insurance company for you.

Okay, so maybe your insurance company isn’t going to be your soulmate, but it’s still important to find the company that is best for you!  There are so many characteristics and attributes to consider when looking for an insurance company that the search can feel endless.  Just like finding the right significant other, there are some important attributes a carrier may have that are better suited to a long and harmonious union. We’ve outlined some of the most important qualities to consider when selecting an insurance company.

1.Stability

No one wants to be with someone who is flaky and inconsistent, and your insurance company shouldn’t be either!  Before choosing an insurer, there are ways to check to make sure that your insurance company is reputable.  Ask an agent about their reputation, poll family or friends to see which insurance companies they prefer, and even do a little snooping online.  J.D. Power, A.M. Best, and Better Business Bureau can offer some insight into the reputation and financial health of the company with a quick online search.

 

2. Fits your checklist

Find the insurance that’s as tall, dark, and handsome as you desire.  You carrier should provide all the things that you are looking for in an insurance policy. Whether you’re looking for a carrier that will let you pay your insurance bills online or one that has outstanding customer service, figure out what you want from your insurance company first. When you compare quotes from different carriers, don’t just look at price, make sure they have all the things you need.  Consider what types and how much of each coverage they can offer in addition to the features that make you more compatible. As your life changes, you’ll want your insurance to be able to adapt to your changing needs. 

Not sure what you’re looking for or where to begin researching what insurance companies you are most compatible with? Don’t worry! Take our quiz to find out what carriers you match with:


 

3. They listen to your problems

Your insurance should care when you have a problem.  A good customer service department and a simple claims service are important features to consider.  If you have to make a claim, you want an insurance company who will work with you to resolve the issue.  No one likes talking to a wall, and you shouldn’t feel that way when you call your insurance company. Your insurance agent can help provide some insight on a company’s claims process, as will online reviews.

 

4. Consider the distance

Some people are fine with a long distance relationship, others are not.  Think about whether you want a local or national insurance company.  There are pros and cons to each.  Consider which one best suits your needs.  A national company may be able to offer more coverage and customer support, but you may not get that friendly home-town knowledge.

 

5. Friend-approved

Have someone outside give you some insight!  Speaking to an independent agent can give you an outside perspective on the insurance company.  They can also help you decide what options are the best for you.

 

6. You can trust them financially

Just like a significant other, you want your insurance to be good to your finances.  Check to see if they have discounts available to you.  Often times, companies will offer multi-policy bundling discounts.  Also see what payment options you have.  You can also usually save a bit of money with a paid-in full discount.  Money is the one of the main reasons for break-ups.  Don’t let money be the reason you’re not together anymore.

Don’t be afraid to date a bit before settling on an insurance company.  Imagine it like the Bachelor or Bachelorette TV show.  They go through a journey to find the right person for them.  Take some time and compare insurance companies before you select one.  You want to make sure that you give the final rose to the right person and you don’t regret your decision later down the line. At the end of the day, we hope you find your InsuraMatch!