You get what you pay for!!! :)

Working in the collision industry has made me realize that "you get what you pay for" is surely the case when it comes to repairs and insurance coverage.  People need to do their research when choosing their insurance company and the types of coverage that will be on their policy.  Most people call their insurance agent and have the agent do the shopping for you. And, if you were like me, you would choose the company with the cheapest premium:) Now that I have experience in this, believe me when I say that cheap insurance is NOT the way to go.  You will regret it when you file a claim against your policy.  Insurance companies are in business to retain as much of the money you have invested as possible.  To your disadvantage, they will try to fix your vehicle to THEIR advantage regarding cost in parts and repair/replace options.  For example, they will try to use recycled (used) or aftermarket parts over OEM.  In some cases it is reasonable for them to use these, but I have seen some insurance companies try to put a reconditioned part on a 2012 vehicle.  This is ridiculous!! Some of the best companies I can recommend are

• AAA
• Farmers Ins.
• Meemic
• Frankenmuth
• Ameriprise (Costco)
• Allstate

Be aware that these companies may have higher rates than those such as Progressive, GMAC, Geico or Nationwide but you will be rest assured that they will pay on a claim that you make and your vehicle will have a better repair, YOU GET WHAT YOU PAY FOR!!!