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How to Choose the Best Auto Insurance Company

We’ve given you Michigan Auto Law’s list of the best auto insurance companies and our list of the worst auto insurance companies. And, for good measure, here’s our list of the Top 4 Best Auto Insurance Companies in Michigan for 2013.

Now that you have this information, you can better protect yourself and your family. Our auto insurance lawyers realize that choosing an insurance policy can be daunting.

Accordingly, in addition to the “Best” and “Worst” information above, we hope the following tips can help you choose the best auto insurance company for you.

1. Visit the Michigan Office of Financial and Insurance Regulation (OFIR) website.

Formerly known as the “Insurance Bureau,” the Michigan Office of Financial and Insurance Regulation (OFIR) is Michigan government’s official web site for insurance-related information, including auto insurance.,4601,7-154-35299_10555—,00.html

On the OFIR web site, you will find, among other things, information about “consumer complaints” for all of the insurance companies that sell policies in Michigan. Some of these will absolutely shock you, and give you a good flavor for how an insurance company you may be considering chooses to handle auto accident claims.

Moreover, the web site explains how complaints can be filed against Michigan’s auto insurance companies.

Finally, the OFIR web site has helpful information about buying Michigan auto information.

2. Find out which insurers repair shops recommend.

One of the best ways to identify dependable auto insurers is to contact local collision repair shops that you trust, and ask for their recommendations. Shop managers have a unique perspective to offer, since they regularly interact with insurance claims adjusters. They know which insurance companies have the smoothest claim processes for routine Mini Tort claims and which companies are looking for shortcuts to cut costs at the expense of their own customers.

3. Consider working with an independent insurance agent.

Independent agents represent several insurance companies and therefore, do not have a vested interest in selling you a policy from one particular company. They can become familiar with your situation and guide you toward a suitable policy. Our auto insurance lawyers do not vouch for any particular one of these independent agents, but is a great resource to search for independent insurance agents.

4. Do your research.

With so many people sharing reviews and testimonials both in social circles and on the Internet, you can get opinions from real people who have experienced insurance company claims first hand. Pay particular attention to those who have had personal injury claims from car accidents and truck accidents.

Online auto insurance resources for Michigan drivers

Our auto insurance lawyers have compiled this list of online resources to assist Michigan drivers with evaluating their No-Fault insurance:

  1. The Michigan government’s website has a valuable “What to watch for” guide for buying insurance.
  2. As noted above, the State of Michigan’s Office of Financial and Insurance Regulation (OFIR) also has a great website with information on purchasing auto insurance.
  3. The National Association of Insurance Commissioners’ “Consumer Information Source” (CIS) provides information about insurance companies that you can use before purchasing insurance, including key information about closed insurance complaints, licensing information and financial data.
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