While the saying “you get what you pay for” is oftentimes true, paying more doesn’t necessarily mean you’ll get more. If you pay more for auto insurance, you might get the coverage you need, but customer service can be hit or miss, no matter how much you pay. Some smaller auto insurance providers pride themselves on offering excellent (personal) customer service. Your auto insurance agent at a mom and pop auto insurance provider may know you by name and vice versa, and they might even answer the phone when you call! This sets them apart from “the big guys.” Larger auto insurance companies typically hire teams of dozens, if not hundreds of customer service reps. Chances are you will never talk to the same person twice and some customers may agree that larger auto insurance companies’ reps may seem a little “robotic.” That said, robotic doesn’t necessarily mean poor customer service. Some customers simply prefer a warmer, more personal approach.

Some of the most popular car insurance companies in the nation are not necessarily the best auto insurance companies for service. Popular simply means, the auto insurance company does the most business. In many cases, the auto insurance companies with the splashiest ads get the most attention. So, it should come as no surprise that two of the top three auto insurance providers for customer service are not as popular as Geico and Allstate, but they have been around for just as long and they are also large auto insurance companies. According to Consumer Search, Amica Mutual (auto, home, life) is number one for helpful customer service and hassle free claims. Amica also offers low prices and it is the nation’s oldest mutual auto insurer. Number two on the list is tops for helpful customer service, hassle free claims, and low prices as well, but it is available mostly to military personnel and their families. USAA is also the eighth-biggest auto insurer in America.

Number three on the list of best auto insurers for service (and price) is an oldie but goodie – State Farm Insurance. State Farm made the number three spot based on likeability, acceptability, customer service, and availability of a variety of products.

No matter which auto insurer you choose, whether for low prices, good customer service, or both, you may be eligible for a number of different discounts. According to autoinsurancetips.com, you may be eligible for one or even several of the discounts listed below:

· Low Usage
· Multiple Policy
· Multiple Car
· Safe Driver
· Added Safety Features/Anti-theft Device
· Good Grades
· Non-Smoking
· Senior
· 55 and Retired
· New Car

For more information on how to switch auto insurance companies and insurance laws in your state, visit your state insurance department.