Top 5 Ways to Vet a Car Insurance Company Before Signing On
- Richard Dean Insurance
- Jul 25
- 3 min read
Choosing the right car insurance company isn’t just about finding the cheapest quote—it’s about trusting your provider to have your back when you need it most. With so many options available in Florida, how do you know you’re making the right decision?
At Richard Dean Insurance, we understand the importance of protection, service, and peace of mind. That’s why we’ve put together a list of the top 5 ways to vet a car insurance company before you commit. Your coverage matters—and so does who provides it.
1. Check Financial Strength Ratings
Your car insurance company needs to be financially stable enough to pay out claims—especially after large-scale events like hurricanes or multi-car collisions. Independent rating agencies like A.M. Best, Moody’s, and Standard & Poor’s assess insurers' financial health.
✅ What to look for:
A rating of A- or higher from A.M. Best
Long-standing presence in the market
Positive trend in annual revenue and claims-paid ratio
Richard Dean Insurance only partners with reputable, financially stable insurance carriers, so you never have to wonder whether your provider can follow through.
2. Research Customer Reviews and Satisfaction Scores
A low rate might catch your eye—but what happens when you need help with a claim? Customer service matters. Look for real reviews from people in your community, not just national ratings.
✅ What to check:
Google Reviews
Better Business Bureau (BBB) ratings
J.D. Power customer satisfaction scores
Social media feedback
Richard Dean Insurance maintains a strong local reputation in Florida for fast, friendly service, with real clients recommending us for our dedication and follow-through.
3. Understand What’s Actually Covered
Not all car insurance policies are created equal. Some low-cost quotes come with bare minimum coverage—and that can leave you financially vulnerable after an accident. Vet the actual coverage being offered.
✅ Ask about:
Liability limits
Comprehensive and collision protection
Uninsured/underinsured motorist coverage
Roadside assistance and rental reimbursement options
At Richard Dean Insurance, we take the time to walk you through your car insurance coverage—line by line—so you fully understand what’s included and what might be missing.
4. Evaluate Their Claims Process
One of the most important aspects of any car insurance company is how they handle claims. A long, frustrating process can make a stressful situation worse. Choose a provider known for efficient, timely claims support.
✅ Things to ask:
How do I file a claim?
What’s the average claim turnaround time?
Do I have access to a dedicated claims agent?
With Richard Dean Insurance, you're never left guessing. Our clients have direct support and we guide you through the claims process from start to finish—making sure your concerns are handled quickly and fairly.
5. Work With a Trusted, Local Agent
A local agent knows the unique challenges Florida drivers face—whether it’s hurricane season, tourist traffic, or uninsured motorists. Plus, working with a local team means you’ll always get personalized service and expert recommendations.
✅ Benefits of a local agency like Richard Dean Insurance:
Access to multiple car insurance carriers and competitive quotes
One-on-one policy reviews
Coverage tailored to Florida laws and road conditions
Support when you need it most—not a national call center
Final Thoughts on The Best Car Insurance Company
Before signing any policy, take the time to do your homework. Vetting your car insurance company is one of the best ways to ensure you’re protected when the unexpected happens.
At Richard Dean Insurance, we make the decision easy. With trusted carrier partnerships, personalized service, and a deep understanding of the Florida market, we’re proud to be the smart choice for drivers who want more than just a quote—they want real protection.
Ready to review your car insurance options? 📞 Call us today or click here to request a free quote. We’ll help you compare coverage, save money, and drive with confidence—backed by a team who’s always on your side.