Things to look for when you compare car insurance companies

Car Keys on Table

When you're shopping for auto insurance, comparing auto quotes from different companies is a great start. But while you compare quotes, make sure you also compare auto insurance companies. Because, as they say, not all car insurance companies are created equal.

How do I find the best car insurance?

Finding the best car insurance is really a matter of finding the best car insurance for YOU. You want great rates, but you also want an insurer that you like – and more importantly, one that'll be there for you when you need them. That said, here's how to find the best car insurance company … for you.

Visit your state's department of insurance (DOI) site

Your state's DOI can tell you what customers are really saying about an insurer. It shows complaints that consumers have made about the company, and also how customers feel about the service they've received. Keep in mind, though … people are more likely to submit comments to the DOI when they've had a particularly bad experience. So take them all with a grain of salt, and peruse other review sites for a more well-rounded view.

Check the business vitals

Check out trusted rankings from places like J.D. Power and Associates and A.M. Best* to get a good idea about things like professionalism and financial strength. You know, the important (if not a little boring) stuff.

Look at their tools and mobile apps

Renewing a policy. Adding a car or driver to your policy. These are things you don't think about until … well, you have to do them. Being able to update your policy from the palm of your hand cuts down on a lot of time and hassle.

Also, insurance can be confusing. And boring. These days, many insurance companies have nifty apps and tools to make it easy. Easy-to-understand coverages. Easy-to-file claims. Easy to save on car insurance in the first place.

Find out how Esurance makes insurance surprisingly painless.

Find out how claims are handled

One of the few times you'll talk to your insurer is when you need to make a claim. That's why it's a good idea to find out how they handle the most important part of their job. How easy is it to make a claim? How quickly are claims settled? And do they have claims experts available 24/7. Which can be a total lifesaver.

The DOI site (mentioned above) can also give you an idea of a company's customer service. If you get in an accident and have to talk to a claims rep, you'll want someone who's compassionate and helpful.

Look at the company's social media

Visit the company's Facebook or Twitter feed to see how they interact with customers. This gives you an idea of who they are and what they value. Plus you get a sneak peek of the community you're about to join.

How much should I pay for car insurance?

Car insurance premiums vary widely, as insurers use a bunch of factors to come up with a price. Things like where you live, your driving record and insurance history, and your car's year, make, and model.

To get the best gauge of what you should be paying – compare insurance quotes from different companies. Just make sure you're comparing quotes apples to apples. Online quoting systems will typically narrow down coverages relevant to you based on the answers you provide. Note the quote process itself. Is it quick and easy to use? Are chat agents readily available? That'll clue you in on how effective, compassionate, and professional the insurer is.

So start a quote with Esurance and find out how we're making insurance simple, transparent, and affordable. In other words, surprisingly painless.

See if you could save on car insurance.

or call 1-800-378-7262

Or call 1-800-378-7262.