Definitely agree with your points, especially about financial stability checks. As someone new to insurance shopping, I've noticed smaller companies often offer more personalized service, but their coverage options sometimes feel limited...so it's worth double-checking policy details carefully before committing.
Good points there, especially about smaller companies. When I first started driving, I was tempted by the lower premiums from some local insurers. But after digging into the fine print, I realized their coverage limits and deductibles weren't always the best fit for my budget. You're totally right—personalized service is great, but it doesn't mean much if the policy itself leaves you hanging when you actually need it.
One thing I'd add is to check out customer reviews or ask around locally. Sometimes smaller companies can surprise you with solid coverage at decent prices, but you gotta do your homework first. I ended up finding a mid-sized insurer that offered a good balance between affordability and coverage options. Took some extra legwork, but it was worth it in the end. Anyway, good luck with your insurance shopping—it's a bit of a headache at first, but you'll get the hang of it pretty quick.
Yeah, I'm still figuring this stuff out myself. Honestly, some of the smaller insurers seem decent, but like you said, gotta watch those deductibles. Might try checking reviews like you mentioned... hadn't thought of that yet. Thanks for the heads-up.
Honestly, reviews can be hit or miss. I checked a bunch before picking mine, and half were just people mad about stuff that was clearly their own fault, lol. Sometimes smaller insurers actually have better customer service since they're not juggling a million claims at once. I'd say give them a shot—just maybe don't pick the absolute cheapest one... learned that lesson the hard way when my bumper met a mailbox.
Haha, mailbox vs. bumper... been there, done that. But do you really think smaller insurers always have better service? I've seen some smaller companies get overwhelmed pretty fast when a big storm hits or something. Sure, they're friendly when things are calm, but how do they handle the chaos? Maybe it's more about finding that sweet spot—not too big to treat you like a number, not too small to panic when things get messy. Ever had issues with smaller insurers during busy times?
