Auto insurance is a requirement to carry for all people who live in the US in every state. Choosing an auto-insurance carrier and a type, and amount of insurance. is a very important decision for every person that can be pivotal in a persons financial plans.
There are several considerations when deciding on choosing an auto insurance carrier
-Price
-Customer Service
-Ease of collecting on and making a claim
-Rate increase policies
-Availability of Coverage
-Requirements/Quality of Repair

Price
Price is obviously going to be a very important point when choosing an auto-insurance carrier. The nature of auto-insurance makes it a commodity. Auto insurance company are selling money to be used in the case of an accident. Money from one insurance company is the same as money from another insurance company. For the most part buying auto insurance is all about the numbers.
When comparing auto-insurance carriers quotes first determine your coverage needs and make sure to use the same comparisons from carrier to carrier to get an apples to apples comparison. It’s very important to have your requirements first, so you don’t get sucked into buying more insurance than you need.

Customer Service
Customer service is another somewhat important factor when deciding which auto insurance carrier to go with. Customer service with auto insurance will only come into play if you have to make a claim. Customer service can play a serious role, if you have to use the auto insurance company for things like break down protection, and you have to call them for a flat tire or a dead battery. In this case having good customer service is very important, however in the large scheme of things having strong customer service for a claim that you may never have to make is not a very important factor in evaluating auto insurance carriers in the big scheme of things.

Ease of Collecting/Making a Claim
Having auto-insurance is a complete waste of time, if the company doesn’t pay when you have an accident and need to place a claim. You do not want to have an auto-insurance company who will tend to try to void your policy when you try to make a claim. You do not want to pay thousands of dollars for insurance and then try to make a claim and then have the insurance company void your policy because you didn’t update your address soon enough or you didn’t sign your policy documents that they send you every year.

Rate Increase Policies
If you get into a fender-bender or get a speeding ticket, all your savings from your careful planning in picking an insurance company may go to waste if the insurance company decides they will raise your rates an exhoribinant amount. Many companies have accident forgiveness plans that promise you with your first incident that your rates will not increase.

Road Side Assistance
If it is at a good price, the road side assistance option included in many insurance policies is definitely worth it. Triple A the leading exclusive road side assistance companies and the cost of a membership from triple A. At current rates a year of triple a will cost you abut $58. For many auto –insurance policies this type of protection can cost less than $15 dollars a year. Triple A does have some different discounts available and you can walk into their office and get detailed directions printed out in a neat little booklet(which is nice), but you can do all that with mapquest and a printer.

Mechanical Failure/Breakdown
Another nice feature of some insurance is the mechanical failure/breakdown insurance option. This option is useful if you do not have an extended warranty option on your car and the coverage options(amounts of miles that is covered)is greater than your extended warranty. Extending your car warranty can cost thousands and thousands of dollars and often this coverage can be obtained for less than $15 dollars a year.