Tips for car insurance

These tips are suggested by "www.consumerreports.org which is an independent nonprofit organization whose mission is to work for a fair, just, and safe marketplace for all consumers and to empower consumers to protect themselves.

To find out how insurers stack up, Consumer Reports surveyed 21,228 subscribers who filed a claim from January 2001 through Spring 2004. They found that they're more satisfied with their auto insurers than with most other services we rate. But their survey also found that some insurers treated their customers much better than others.

Here's what you need to know to choose and use an auto insurer:

Choose an insurer that topped the Ratings:
Five companies showed consistent performance by appearing toward the top of our Ratings (available to subscribers) now and the last time we rated insurers, in 1999.

Stick with a company that treats you well:
Twenty-seven percent of survey respondents who had been with their insurer less than one year complained about unfair premium increases after filing a claim, while only 16 percent of those with the same company for one to six years and a mere 8 percent of those wedded to the same insurer for 15 or more years complained. Loyalty seems to count.

Avoid companies that penalize you for filing a claim:
About 10 percent of those surveyed said they felt their premiums were "unfairly increased" as a consequence of filing a claim. However, three insurers were cited more often for post-claim rate hikes: Hartford Insurance Company of the Midwest (with 24 percent of respondents complaining), Hartford Underwriters Insurance Company (20 percent), and Travelers Indemnity Company (19 percent).

Don't let an insurer pressure you to use a specific repair shop:
Seven percent of respondents said they felt "pressured to use a recommended shop," but only 49 percent of that group was very satisfied with the repairs, while 72 percent of those who weren't pressured felt very satisfied. Twelve percent of Liberty Mutual's customers and 13 percent of those with Commerce Insurance complained about pressure.

Insist on original equipment manufacturer (OEM) parts if you want them:
About 6 percent of those surveyed felt pressured by their insurer to use non-OEM fenders, doors, bumpers, and other repair parts. Only 37 percent of those people were very satisfied with the quality of repair vs. 72 percent of those who didn't feel pressured. Four insurers were judged more likely than average to pressure claimants: American Family Mutual (11 percent), Nationwide Mutual Fire (11 percent), Nationwide Mutual Insurance Co. (12 percent), and Commerce Insurance Co. (14 percent).

Do a rate check every year or two:
This is especially important if you've experienced changes that might reduce your premium, including getting married, reaching your 25th birthday, switching to a job that requires less commuting, moving to a less urban ZIP code, putting an accident or moving violation three or more years behind you, and repairing a poor credit rating.

Choosing an insurer that pays