So, what’s the difference between insurance policies for automobiles? The comparison of car insurance from a ‘financial planning point of view’ should never be based on price alone, and perhaps most individuals agree that cheap insurance is not necessarily the best car insurance. For more details click Juarez Insurance Agency – Harlingen auto insurance. But what most people do not understand is that one of the most problematic contracts may also be an insurance policy with the best-rated company. In the context of a car insurance policy, three factors should be compared: Company rating: Non-standard companies are more flexible than their standard or preferred counterparts in relation to previous infringements found in the drivers’ MVR activities and the applicants’ car insurance credit score. In customer service and paying claims, non-standard businesses, however, are harsher than others. Non-standard insurance companies are responsible for most of the complaints. While preferred businesses do not hesitate to pay quickly for smaller claims, as they claim seven or eight thousand dollars, or even little more, all businesses from top to bottom will try to examine the application to see if they have to pay a $100,000 claim or not. Boundaries of liability. This is the most ignored, least understood aspect of the policy, but it is the most important aspect of the policy that affects clients during the time they need insurance. In the event of you getting sued, it measures how much protection you have. If he/she has enough information that you and your spouse have enough wealth to be sued for in the event that you or a family household member causes a major car accident and your car insurance pays the maximum on the policy that turns out to be not sufficient, a professional financial advisor will never sell you a car insurance policy at low limits.There are many insurance policies that are sold at the lowest liability limits mandated by the state with superior insurance companies.