Armed Forces Auto Insurance Review

Military service personnel and their families face special challenges as they protect the country at home and overseas. Schedules are frequently disrupted and families uprooted on short notice due to a move or deployment. The goal of finding the best auto insurance for a family at the best price can be put on the back burner. Armed Forces Insurance (AFI) is committed to helping ease the task of finding auto insurance companies for military families.

When looking for auto insurance, you need to narrow down the list of all the potential insurance companies, then do some serious comparison shopping among the top two or three. There are some guidelines you can follow that will help make the auto insurance comparison process easier.

1. Determine How Much Insurance Coverage You Need

Consider the following steps when determining auto insurance coverage:

• Find Out Your State Minimums – Each state mandates a minimum amount of state auto insurance a car owner must carry. State insurance department websites list the minimum amounts required for bodily injury, property damage and uninsured or underinsured motorist personal injury protection, as well as other types of liability coverage.
• Protect Your Assets – If the auto insurance you purchase won’t cover all the expenses in an accident, an attorney can require that your family’s assets, such as your home, be sold to meet the obligations. Listing the family’s major possessions and taking steps to insure they can’t be taken away is an important first step in buying car insurance.
• Choose Your Extras – Some of the features offered by auto insurance companies are luxuries, not necessities. For example, if you are a member of an auto club, you probably don’t need to pay extra for towing on your auto insurance. Likewise, think about whether you would need a rental car if yours was in an accident. It’s a nice feature to have, but it costs extra.

2. Look for Insurance Quotes

The following steps will help when looking for auto insurance quotes:

• Online Direct Sellers – These are the companies that advertise heavily on television and radio. You’re probably familiar with their spokespersons or mascots. You can go to each company’s website and enter information so that they can provide a quote for you. These companies provide trained customer support in lieu of agents.
• Online Brokers – These companies represent several different online direct sellers as well as national insurance companies. You can comparison shop with the help of their charts that detail the features each company offers.
• National Brands – These companies employ agents to work with you to determine what kind of insurance coverage you need. The agents receive commissions based on the types of coverage they sell to you. Their product line is limited, but they’re very knowledgeable about the products.
• Independent Agents – These agents represent a number of different auto insurance companies. They can help car owners who have some issues with their driving records.

3. Compare the Insurance Policies

You can use online comparison tool or prepare your own spreadsheet to note the features of each insurance company’s policy. Once you’ve found a few companies that compare favorably in their features, it’s time to look at each company’s reputation for customer care.

4. Evaluate Customer Care

Customer responsiveness and support can sometimes be difficult to measure, but there are ways to determine which auto insurance companies are more likely to provide the level of support you need.
These tips can help:

• Look for information on the company’s record of service on your state’s Insurance Department website.
• Ask for recommendations from mechanics and auto body shops.
• Look at the financial strength of the company listed by insurance raters A. M. Best and Standard & Poor.
• Read online customer reviews.

These guidelines can help you shop for auto insurance quickly and efficiently. The job of finding the auto insurance policy that offers you the best coverage at a price you can afford, often a difficult undertaking, will be potentially stress-free. Read our various auto insurance reviews, compare with our FREE comparison tool, and save on auto owners insurance TODAY!