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The consideration of which auto insurance company to buy from is simply a logical end of the process that started with the following: Do I need car insurance? A skilled automobile insurance agent or broker does not necessarily have all the answers you might need, but he or she must have all the questions! There's probably a good deal of truth in that; we aren't inclined to consider unpleasant possibilities, and for most of us, that includes the prospect of dying. There's an old saying among auto insurance agents: Automobile insurance is sold, it's not bought. If buying permanent auto insurance, consider whether your insurance style suggests more comfort with a mutual insurer or a stock insurer. If buying term, consider policies offering conversion features that can solve the emerging problem of lessening insurability and longer time frames than initially expected when the term policy is first acquired. Recognize that, while cheap term is often offered by small insurance companies, the cost difference is minor to acquire term from a larger company. Best and that are not less than fifth from the top rating categories of the other agencies (e.g., Moody's, Al or better; Standard & Poor's and Fitch, A+ or better; Weiss, B or better). M. Do not choose a carrier based on its policy illustrations, appearance of competitive pricing, or other nonguaranteed representations. Choose a carrier offering policy types and features that are attractive to you and that seem to fulfill your needs.