How to Find Your Top 10 Auto Insurance Companies

1. Begin by comparing quotes from a variety of companies in order to compare their premium rates side by side and further narrow down to a few choices. This is important because there is no need to even consider a company which is beyond our budget. Keep in mind that just because a company is low priced for others, it may not be our same case because we all are unique in many factors and information used to base rates.
2. Once a rate comparison is made and the desired coverage is selected, take the "financial strength" of an insurer into consideration because a top company should be one which is financially strong enough to pay out their obligations when required. The last thing we want to hear is "sorry, we went bankrupt and cannot pay out your claim".
3. A top rated company is one which is a state approved carrier - one which is admitted by the state and backed financially by the state fund. This supports the ability to pay out in case of financial insolvency which is particularly important in these times of substandard economic conditions.
4. Reputation should be considered because it may highlight a carriers customer service strengths and weaknesses. Even though one should take complaints into consideration, realize that it is likely that all carriers have some kind of complaint history; however, an excessive amount of unsatisfied customers should act as a warning of unsatisfactory service.

Once choices are narrowed down from top ten to a selected few:

A deeper analysis of coverage should be done. Don't forget about the coverage which may not have been offered unless requested such as towing, roadside assistance medical and GAP insurance. Be sure to review deductibles which is what you must pay in the event an insured vehicle is repaired or replaced. Once 10 is narrowed down to 1, you may choose to buy insurance online to receive instant proof of coverage.

What to Look For in Car Insurance

Despite car insurance being a mandatory requirement for all motorists, not all car insurance companies and policies are created equally. The following are some policy attributes and policyholder benefits to look for when choosing a car insurance policy.

Roadside Response & Repair
Most car accidents and car-related incidents don't involve fatalities or grave injuries. For the most part, they are simply inconveniences that can range from waiting for a tow to awaiting long-term repairs or a claim for a "totaled" car whose repairs would cost more than the value of the car itself. Car insurance companies should offer its policyholders swift response to initial towing needs, as well as car rental options and services while they await repair on their vehicles. The repairs themselves should be facilitated quickly and smoothly, with little to no delay on the part of the insurance company for claim assessment or approval.

Policy Flexibility
Not all motorists drive the latest sports car or can afford full coverage with no deductible. Car insurance companies should offer its policyholders a variety of insurance options that are affordable without leaving the motorist vulnerable.

Benefits and Discounts
Car insurance companies should offer its policyholders a variety of car and driving-related benefits, such as accident forgiveness for first-time offenders, convenient payment options, after-hours services, 24-hour claims assistance and others. Car insurance companies should also offer discounts for multiple-policy holders, drivers with clean records, students with good grades and others.

Customer Service/Claims Timeliness
Car Insurance companies should respond to policyholder claims in a timely fashion, facilitating the necessary steps to return motorists to their vehicles.

Auto Insurance might appear to be no more than an additional tax or fee for a service that is never used. However, as the statistics show, it is one that is necessary to ensure that you--and your vehicle--remain protected against injury, accident or liable damages.

In addition to the side-by-side comparison featured above, in-depth reviews are available for 10 of the best auto insurance companies, including top-rated insurers GEICO, Progressive and eSurance

Boehner: GOP House Majority Would Repeal Obama’s Healthcare Bill

By Paul Bedard, Washington Whispers

House Minority Leader John Boehner last night vowed to pass a bill repealing President Obama's healthcare reform plan if the Republicans win control of the House in the fall elections. "If we win the majority we will have a bill on the floor to repeal the bill and replace it with common sense reforms," he told Whispers. "I don't know what happens in the Senate or the White House but we're going to do everything we can that this bill never, ever goes into effect," he says.

Of particular concern is the bill's language allowing for some public funding of abortion practices and advice. "We haven't had publicly funded abortion for 30 years. This is a very big change, it's unfortunate," he said.

Boehner took aim at the abortion provision because he was the recipient last night of the 2010 Henry J. Hyde Defender of Life Award presented annually by Americans United for Life. The group's president, Charmaine Yoest, heaped praise on Boehner who has rarely tried to make abortion a political cornerstone of his career or profile. "John Boehner has joined to take a stand for life," she said, noting that he prefers to work in the less "glamorous" area of legislation than grab headlines. For his part, Boehner said that he doesn't look at the issue politically.

"It's never been a political issue for me. It's been a moral issue." During the ceremony and afterward in an interview, he choked back tears as he recalled his friendship with the late Rep. Hyde and how his mother gave birth to 11 kids "one at a time." He added: "She didn't have to do that," but still Boehner said that he "was glad I was second."