Car Insurance 2023. Best Advice.

If you're willing to pay more for the best service and coverage in car insurance, consider the following:

1. **Full Coverage**: Opt for comprehensive coverage that includes collision, comprehensive, and high liability limits. This ensures your vehicle is well-protected.

2. **High Deductibles**: You can maintain a high deductible to lower your premium while still having the best service in the event of a claim.

3. **Top-Rated Insurers**: Research and choose insurance companies with the highest customer satisfaction ratings and reputations for excellent customer service.

4. **Customized Policies**: Work closely with an insurance agent to tailor your policy to your specific needs and preferences.

5. **Add-Ons**: Consider adding optional coverage like roadside assistance, rental car reimbursement, and new car replacement coverage for added peace of mind.

6. **Guaranteed Replacement Cost**: Some insurers offer this feature, which ensures you get a brand-new vehicle if yours is totaled, even if it exceeds the depreciated value.

7. **Concierge Services**: Some high-end insurance providers offer concierge services, such as arranging for car repairs, providing rental vehicles, and handling claims seamlessly.

8. **Dedicated Claims Support**: Look for insurers that provide dedicated claims representatives who can guide you through the claims process and offer personalized assistance.

9. **Fast Claims Processing**: Check the insurer's reputation for quick and efficient claims processing.

10. **Extended Coverage**: Explore options for extended coverage for specialty vehicles or high-value cars.

Keep in mind that while you may pay more for these premium services and coverage, it's essential to balance your budget and insurance needs. Additionally, factors such as your location, driving history, and the type of vehicle you own can influence the cost of insurance. It's advisable to request quotes from multiple insurers and discuss your specific requirements with them to find the best coverage and service that meets your needs.