#1-Customer Service
When we look to rate an insurance company, we first look at customer service. Everyone needs good customer service. When you have a question regarding your policy, it is satisfying to know that you have a reliable agent or company to assist you. If you call and write and can never reach anyone, then it doesn't matter how much you saved.

#2-Value
When shopping for insurance, you have to compare similar value. Always ask for the identical deductibles, coverage limits and make note of any differences so you can make an intelligent decision when it comes to choosing. When deciding the limits of medical coverage remember that even minor injuries can be very expensive to treat and to adjust to you level of comfort.

#3-Benefits
What benefits do the insurance companies offer the customer back. Examples would be like good driver discounts, multiple car discounts, good student discount, loyal customer discount and more. Find out just how much money you can save by asking the right questions before you decide on your insurance solution.

#4-Response Time
Quickness in responding to your accident can be minutes or weeks apart. 24 hour help lines are very helpful when you need answers. Customer service that is instantly there to help can calm even the most trying situations. Unfortunately, it can take months to resolve something that should be taken care of in weeks. Every claim is unique, but the time to repair your car can be estimated quickly. When your agent reacts in a timely manner, your claim can be processed without delay.

Having adequate coverage will protect you and your assets in case you are at fault in an automobile accident. Shopping around for the best price for the same coverage is only a phone call or click away. Car insurance is much like any service you apply for, many insurance companies have a special for any new customer that will sign up with them. So if you change companies often you can save some money.

Insurance is one of the necessities of modern life. Keeping up to date insurance is not only a good idea it is the law (in some states). The cost of medical treatment has skyrocketed in recent years. Insurance company's take a risk by only charging a small percentage of what they are liable for.

Always make sure your payments are on time and your coverage is adequate to safeguard your personal assets. Vehicles on the road today are costly. Having insurance can cover all medical bills, repair or replace your car as well as the other vehicles in the accident. Always keep your insurance and other important papers in a safe place.

Test Crash

If you are in an accident, you must stop and exchange all information with the involved drivers. Remain calm and call for assistance if is not already on the way. If anyone is injured, call police to file report and wait for rescue personnel and paramedics to help you to make sure no further injuries are inflicted. If the accident caused property damage only, then exchange information about your driver license, insurance, and registration with the involved drivers. If a parked vehicle or other property is damaged, or if a domestic animal is injured, you must locate the owner or contact the police.

Remain calm and call for assistance if is not already on the way. If anyone is injured, call police and wait for rescue personnel and paramedics to help you to make sure no further injuries are inflicted. Print a copy and follow your accident information guide and fill in the blank spaces so you get all the pertinent information before you leave the accident scene.

1. Reflective warning signs  road flares
2. Medical supplies- ace bandages band aids
3. Disposable gloves
4. A few tools - adjustable wrench, screw drivers, duct tape
5. Bottled water-for drinking in case of emergency or for your radiator
6. Have the rim unlocking adapter, so you can get your wheel off when if goes flat.
7. Spare has air and is inflated properly
8. Know how to operate your car jack and where to put it under your car.
9. Disposable camera, pen and note paper
10.Thermal blanket (small silver ones that fold up or compliable.)

An Insurance Company is the actual insurer where as the Insurance Broker is the company representing you with the insurance company. An insurance broker does not pay your claims. The insurance broker will have a customer service representative available to answer your questions regarding your policy and your coverage. When working with a broker you usually get more personal service. Large insurance company's have a hard time competing with the family feeling that smaller company's have. Know your agents name and number and when you need their help, they will remember you too.

Insurance Broker's work for you the client to find you the lowest insurance price quote from many "Insurance company's" to find you the best policy. Insurance brokers are helping millions of people find lower cost car insurance than they could find on their own. Often the well known Insurance company's are the most expensive.

Before your sign off on your insurance settlement (Read this)