Just because a company offers you a cheap quote doesn't mean you should let it insure your vehicle. Take a close look at the terms of your policy to ensure it matches your last auto insurance policy, and that you're getting an equivalent amount of coverage (or at least the minimum amount required by law in your state). Examine the terms of the agreement to make sure the company don't require the use of cheaper aftermarket materials for repairs instead of the original factory parts, which can pose safety hazards [source: Consumer Reports].
In addition to the complaint indexes maintained by state organizations, you can refer to consumer satisfaction databases on Web sites like ConsumerReports.org and JDPower.com [source: Reed]. You should also make sure that your insurance company is financially stable before purchasing your policy. In addition to checking with your state insurance department, ratings organizations like A.M. Best and Standard and Poor's are good resources to determine a company's financial state. And look to your friends and family for recommendations, as well.
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