Auto Insurance Ratings – Tips to Find a Company That Offers Good Car Insurance Ratings

An auto insurance rating, whether you are an existing insurance customer or not, can give you important information about the financial situation of the company and it’s level of customer service so that you can decide if a carrier is worth considering. Besides, we can only judge auto insurance by the quality of the company that provides it.

You definitely want to look at more than just one rating when researching an auto insurance company. Authentic customer reviews compiled from a number of dependable sources are the best way for the rating company to determine the actual quality of service for a carrier. You might also consider researching through a number of sites so that you will have many different avenues of comparison. If you go through each review slowly, you will learn quite a bit about how the company handles problems, how they treat their customers, and how the company strives to give people what they need. Other aspects to look into would be willingness of a company to work with the individual needs of their customers, value of insurance for the money spent, and both the speed and the quality of service. Your chances of signing up with the carrier that is best for you is greatly improved the more you study the ratings and get a comprehensive view of various companies by reading a through a wide variety of input. Keep doing this regularly so you can stay on top of new developments.

Don’t forget about the many discounts that are available; many companies will deduct these from your total purchase. Doing this gives you more advantages and benefits. Make sure when talking to your agent you inquire about qualifying discounts. This will help you to save even more money.

Considering how the world economy is going, finding the cheapest reliable auto insurance rate for you and your family is now more important than ever. This is not to say that you should ever sacrifice proper protection for you and your loved ones just to get a better deal. With so many carriers vying for your business, it’s literally impossible to know if you have truly picked the most honest and reliable auto insurance company out there. Just do the best decision you can from the information you have researched.

Cheap Car Insurance: Factors that Affect Your Car Insurance Rates

When it comes to auto insurance rates, who you are determines what you pay.
Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a minivan around the suburbs.

While you can’t change your age and some other factors, there are things that you can do to keep insurance premiums as low as possible.

Factors you CAN’T change that impact your auto insurance rates:

Your age

Dick Clark and Sophia Loren notwithstanding, aging is unavoidable. And while you may be a mature-looking teen or a youthful octogenarian, the oldest and the youngest drivers are far more likely to have accidents.

Gender

Whether it’s the mothering instinct or fewer NASCAR fantasies, women statistically make safer drivers.

Marital Status

Ok, you can change this, but there have been no reports of people marrying simply to lower their insurance rates.

Factors you CAN change that impact your auto insurance rates:

Geography

Where you live matters.For instance, those living in rural America are far less likely to have a collision or a stolen car than those living in a city. But, sometimes even just moving across the street can change your rate.

Driving violations

Speeding tickets, running red lights, failure to yield, etc. all count toward your auto insurance rate.

Your vehicle

If you must have that cherry red Corvette or the Ferrari Testarossa, be prepared to pay for it. Your insurance premiums will be higher.

Accident claims

While you can’t change the past, keeping your slate clean and free of accidents will hold you in better stead than lots of fender benders.

Credit rating

That’s right — many insurance companies view having a poor, or even no credit history as suggestive of higher risk.

Occupation

A little easier said than done. Believe it or not, insurers have found correlation between your occupation and risk. Makes sense that the pizza delivery guy could be a higher risk!

Other factors that go into determining premiums:

Miles driven per year

Distance to work

Occupation

Years of driving experience

Business use of the vehicle

Whether or not you currently have auto insurance

Theft protection devices (often results in discounts)

Multiple cars and drivers (another opportunity for discounts)

Overwhelmed?

It can be more than a bit confusing when trying to decide the best and most affordable coverage for your vehicle. Like anything else, get good advice and comparison shop. With the Web at your fingers, you have all the information and power to get the best deal.

Please note that this description/explanation is intended only as a guideline.

For more information about auto insurance please go to: Insurance.com

To Rate Doctors Can Be a Huge Help

Rating professionals is not a new concept for web sites. Most college students are familiar with rate your professor web sites that let them rate and review their professors. And thanks to consumer driven web sites, consumers are already familiar with rating their contractors, dry cleaners and other professionals hired for a job. But, now there are web sites that allow consumers to rate doctors.

Rating doctors however is not quite the same as rating other professionals, as many doctors who oppose the web site concept have pointed out. For one thing, if you don’t like your dry cleaner or contractor, and post a poor review of their services, it is fairly straight forward to assess blame. Your contractor, for example, can reply to your post and review about their performance, and give the public their version of events. The doctor, on the other hand, is bound by privacy laws and there fourth doesn’t have the luxury of a posting a public reply.

This situation has the potential to create postings that rate doctors as slightly one sided. To counter this side effect the more reputable web sites won’t post any anonymous postings, so any patient who chooses this public forum to rate doctors, does so with their name also attached. But despite these safeguards, a patient can choose to leave out information or exaggerate information to suite their rating, even if they don’t do it intentionally.

Advocates, who favor the rating system, argue that these web sites, allow patients to have a voice and be heard in the medical world. The medical world, as patient advocates point out, can be an intimidating system to navigate.

Some could argue the point that having a web site that allows patients to rate doctors levels the playing field and gives both sides some power and a voice. Doctors after all have been used to having the final say and having all of the power in these relationships. It has only been lately with the help of the internet that patients have been able to surf the web and get some insight into their own medical condition, tipping the sense of power into balance.

Still, despite the pros and cons of a system that can rate doctors as easily as it can rate your contractor, it is doubtful that these web sites will disappear or loose their ability to alter perceptions. However, patients who post reviews should strive to be accurate, factual and honest and consumers who read the reviews for guidance should be careful to not dismiss a doctor based on one bad review, bearing in mind that not all of the facts are being laid out from just one person’s perspective.