Even tho you do not always have a choice about having auto insurance, you do have a choice about which auto insurance company you pay for your automobile coverage. Is it important to know something about the various companies that will offer you their services? Yes, of course it is.

Here is some information that may help you in deciding which company may be better for you than another and who can reduce your premiums and at the same time provide excellent customer service, excellent auto insurance coverage and be there when you need them. And I don't mean just answering the phone. I mean the financial security in knowing they can pay you when you need them to handle a claim for your vehicle.

Here are a few things to consider:

What is the track record of the insurance company you are considering using? Do they pay you in a timely manner or do they have a track record of denying claims unfairly and not paying at all?

Do they provide a phone number, website and email to provide you with alternative ways to contact them easily and quickly?

How is their customer service?

What discounts do they offer and how many?

Do they specialize in the vehicle your insuring such as a motorcycle or antique car? Many of them do and you should be aware of that because this service can be especially tailored to fit your needs and they will understand your passions and needs in these specialized areas. It makes it a lot more fun to talk with someone who knows what you are talking about when it comes to your motorcycle driving habits and the coverage you will need, if you only ride in the summers.

Do they offer the good driving record discounts?

Does the auto insurance company you are looking into offer special programs and coverage for multiple vehicle households with teen drivers?

Are you 50 years of age or older? Do you know there are auto insurance companies that will provide excellent auto insurance discounts to the baby boomers? Yup, AARP offers many, many discounts above and beyond auto insurance to it's members. Can you afford $12.95/yr? If so, you can be a member and get a discount on your insurance as well as many other offers to save you money.

Spend some time and check out some of the companies listed here to see if they can help you save money and get excellent customer service and be there when you need them most.