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All legal drivers are required to have car insurance; this is common knowledge. However, in the past most car insurance companies rates may be too high. This leads to illegal, uninsured driving. No matter how good of a person you are, car insurance companies base their quotes and rates off of your risk. A calculated risk is the most important thing to a car insurance company, just as the company's customer service is key to the buyer.

Customer Service can make or break the customer experience and affect how well an insurance company can retain a customer. The most important service point a car insurance company must focus on is how a customer is treated when submitting a car insurance claim. This is a main focus for car insurance companies.

Progressive (the car insurance company) is one of the highest regarded insurers for customer service. No longer would you have to sit on the phone for hours as they have made it simple enough to be done in ten minutes. This ensures quick and quality repairs on your vehicle. Now days, they have made cheap insurance while maintaining a very high image for themselves.

A cheap car insurance quote can be attained from many other companies besides Progressive. Companies such as Allstate have been focusing on providing customers with a cheap car insurance quote in order to gain market share. They do not have the customer service and simple processes when submitting a car insurance claim compared to others, but they do provide many discounts and incentives to customer's that continue their insurance policies with them.

You should read customer reviews about many insurance companies that are national brands and local brands. You will be able to find those that provide you with very good quotes for a policy you want. This can be a local firm offering you certain rates because you are a local of the area. These reviews can help you narrow down you choice. Again, focus on the claim service.

Make sure the company you choose is extremely helpful. When you submit a claim it is a stressful procedure and having a company that just frustrates you even more does not help the process. Another reason why having good assistance when submitting a claim is vital in having a quality insurance provider.

Finding cheap car insurance with above average customer service is not a hard thing to do. This is something that has improved immensely from the past; as you do not have to be royalty or a high class citizen to get treated decent with your agent. This treatment is now available to everyone.

Over the years insurance companies have been pushing and struggling to lower their prices while maintaining a good image and good customer service. As the industry becomes more competitive with lower and lower prices, your odds of striking gold with a car insurance company improve even higher. More discounts, lower quotes, and better claims are just a start to the new car insurance world - have you looked into it yet?