[DRH]

When choosing an insurance company, it's important to consider not just the annual premium but (even more important in my opinion) the company's claims handling reputation. An insurance policy with a low premium is no bargain if it is issued by a carrier that has a poor reputation for handling claims.

Also, with respect to auto insurance, a friend who had a career in the insurance business has told me that some insurance carriers who advertise low annual premiums will not pay for replacement parts made by the car's original manufacture, but will only pay for aftermarket, or in some cases even used, replacement parts for collision repairs. So, make sure you read your policy.