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It is said that the best advertising is word of mouth, and the saying is true for auto insurance companies. When someone is happy with the level of service that they have received, they will tell their family and friends. On the other hand, if they have had a bad experience with filing a claim they will speak negatively about the company. Ask your friends and family about their experiences with their own car insurance company. You will be able to gauge how certain car insurance companies operate in your state by the experience of your friends and family. Your auto insurance rate will be different based on your personal history, but you can use the advice of others as a good rule of thumb.