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Discount auto insurance available through numerous companies may not always be the best choice. filing an accident claim is not the best time to find out that your insurance provider does not handle your accident needs. Simply comparing price and not service is the number one mistake people make when choosing auto insurance. If your insurance provider does not have local representatives and just subcontracts, you may be very disappointed with your claim settlement. If you are a current customer and have a hard time reaching your insurance company for information about your policy then you may want to consider switching providers.