Reader’s Question: Can anyone explain how A.M. Best rates an accident insurance company? Celine Chicago IL A.M. Best is just one of the companies that rate the many accident insurance company in the market. In buying your insurance policy, it is important to know more about the company offering it. Reputation and customer service are [...]

Reader’s Question: What is the easiest way to check car insurance company ratings? Ben New York NY   The easiest way of getting car insurance review is through the internet. There are websites of independent agencies that rate insurance companies. Following are some websites you can check: 1. You can go to rating agencies websites [...]

Reader’s Question: Ive been with the same insurance company for 15 years. Although I have been searching around and I have a lot of rates cheaper than what I am paying now. I am not sure if I should switch to a different insurance provider. Do I get any benefits of being a long time [...]

Reader’s Question: I’m one of those people who are really feeling the pinch of this economy, and I need to make my budget work until I get a new job. What can I do to lower my auto insurance bills? Peter Smith Greensboro, NC You’re right! We need to find more ways to stretch our [...]

Reader’s Question: I’ve been asking around, and everyone is recommending that I make a list of insurance quotes and make some auto insurance company ratings. Why the heck do I even need to do this? Don’t all auto insurance companies do the same thing: insure your car? Kenny Miami, FL Though all auto insurance companies [...]

Reader’s Question: Are my credit scores used to evaluate my premiums here in Texas during an auto insurance company rating process? Casper Arlington, TX Your credit score may definitely be used by auto insurance companies as a reference and should not be the sole reason or factor to be used in determining your car insurance [...]

Reader’s Question: Is it true that a car insurance company here in New Mexico can give preferred auto insurance ratings or premiums to certain professions? Andrea Rio Rancho, NM Yes, it is possible for certain individuals or professions to have better rates than others. Except for those under military, national guard or coast guard service, [...]

Reader’s Question: I have several ticket under my driving record here in Rhode Island, would that jeopardize my auto insurance ratings or affect premiums? If so, what can I do about it? Gordon Providence, RI Unless your driving history is really terrible, tickets and moving violations would not necessarily jeopardize your ability to get car [...]

Reader’s Question: I will be buying a new car this coming month and now I need to get auto insurance for it, is it true that the kind of vehicle I buy would influence my future rates here in Michigan? Arthur Battle Creek, MI Yes, the kind of car that you buy and insure, although [...]

Reader’s Question: I’ve gotten a traffic ticket here in Illinois, and this is on top of a prior one I had several months ago, would this be enough to cause my auto insurance premiums to rise? Oliver B. Elgin, IL Yes, most of the time even just a single violation would already be enough to [...]