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5 tips to choosing the best car insurance company for you and your family

November 9, 2015 by Steven M. Gursten

We’ve giving you Michigan Auto Law’s list of the “Best” and “Worst” auto insurance companies for 2015

choose car insurance

In the book we published below, we hope we’ve helped give you legal advice to better protect yourself and your family. Our attorneys realize that choosing an auto 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.

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1. Visit the Michigan Department of Insurance and Financial Services (DIFS) website.

Formerly known as the “Insurance Bureau,” the Michigan Department of Insurance and Financial Services (DIFS) is the Michigan government’s official website for insurance-related information, including auto insurance.

On the DIFS website, 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 website explains how complaints can be filed against Michigan’s auto insurance companies. Finally, the DIFS site has helpful information about buying Michigan auto information.

2. Find out which insurers the independent repair shops and independent auto body 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. Always work with an independent insurance agent.

As I discussed in my recent blog post, 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 findmichiganinsurance.org is a great resource to search for independent insurance agents.

4. Do your research.

With so many people sharing reviews both in social circles and on the Internet, you can get opinions from real people who have experienced insurance company claims firsthand. One reason our  take is so unique is because we also evaluate the best car insurance companies (and the worst) based upon the real-life experiences of those who’ve had personal injury claims and injuries from car and truck accidents. As attorneys, we get to see how these customers are treated by their own insurance companies when they’re hurt and need to make insurance claims for No Fault benefits.

As you can imagine, the way these people are treated in real life is often very different from the commercials that insurance companies spend tens of millions on every year.

5. Check out online auto insurance resources for Michigan Drivers.

Our accident 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 Department of Insurance and Financial Services (DIFS) 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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