I've actually had pretty good luck with smaller insurers, believe it or not. Here's how I usually approach it: first, like you mentioned, I check their AM Best rating to make sure they're financially stable—no point saving a few bucks if they can't pay out when you need them, right? Then I look at local reviews and ask around a bit. Smaller companies sometimes have surprisingly good customer service because they're trying harder to compete with the big guys.
A couple years back, I switched from one of the big-name insurers to a smaller regional company here in Delaware. Not only did my rates drop noticeably, but when I had a minor fender-bender (ugh, parking lots...), the claims process was super smooth and personal. They even remembered my name when I called back with questions—try getting that from a huge call center!
Of course, your mileage may vary, but don't rule out the little guys completely. Just do your homework step-by-step, and you might find a hidden gem.
I've had similar experiences with smaller insurers, but honestly, when it comes to luxury cars, I'm a bit cautious. Parts and repairs can get pricey fast... so I always double-check if the smaller guys have solid relationships with high-end repair shops. Just my two cents.
Good point about luxury cars—definitely don't wanna get stuck waiting weeks for some obscure part. I'm still driving my trusty old Civic (student budget, lol), but even then, smaller insurers have been pretty decent. Guess it depends on your ride and comfort level...
"smaller insurers have been pretty decent"
True, smaller insurers can be solid, but sometimes their customer service hours or online tools aren't as robust. I'd suggest double-checking their claims process beforehand—saves headaches later if something does happen... learned that the hard way myself.
Good point about the claims process—I agree it's critical. I've noticed smaller insurers sometimes offer more personalized attention, which can be reassuring. However, coverage options can vary quite a bit. Last year, I nearly switched to a local Delaware insurer because their rates looked great initially, but after digging deeper, realized their roadside assistance and rental coverage were pretty limited. Definitely worth reading the fine print carefully before jumping ship...
