What you should consider before changing auto insurance companies

March 26th, 2013 by admin

Some of our customers have been prompted by TV commercials or mass-mail advertisers to consider switching their automobile insurance. Before saying “yes” to one of these propositions, we hope you will consider the following:

What do you know about this company?

Not all auto insurance companies are alike. Many support local, independent insurance agencies like ours to help with all your insurance questions or problems. Others put their resources into advertising campaigns and are accessible to you only by an 800-number and chances are you will never deal with the same individual twice.

Are they really offering you the same protection?

Probably not. It’s easy for salespeople to quote you a lower price if they don’t give you the same amount of coverage. We often find when looking at the details of these quick quote offers, the protection you and your family need is often compromised as a way of lowering your costs.

New York state drivers can pick from literally hundreds of policy combinations consisting of various coverage and limit options. For your own protection, please let our agency go over the details of any offer you receive before accepting it. As your insurance agency, we offer this beneficial analysis at absolutely no cost to you.

Who will go to bat for you if you have a claim?

We will. Our customers who have had a claim against their auto policy know we pride ourselves on providing personal attention during this stressful time. We make sure you get the quickest, most convenient service. We answer all your questions. We also make sure you get every penny that’s coming to you. In short, we stand behind the coverage we sell you and the companies we represent.

Are you sure you would get the same level of personal contact and concern from a mass-market insurer?

What could their offer cost you?

There could be hidden costs to you that the company won’t disclose until it’s too late. For example, you currently may be receiving a discount on your homeowner’s policy if it’s from the same company as your auto insurance. By switching, you can lose that discount. An even greater danger these companies won’t tell you about is their right to cancel your coverage within the first 60 days, even if you have accepted their offer and paid the premium. Mass-market companies tend to take your money first, then check your driving, claims and credit history later. If they see something they don’t like, they may cancel your policy. A cancellation on your record can make it harder (and more expensive) to get coverage from another insurance company.

Who knows you best?

We do! We take the time to get to know our customers. Your current auto insurance coverage has been crafted with your complete financial picture, you’re driving and claims history and your family circumstances in mind. There’s no way a stranger can reach that level of understanding from a brief phone call or impersonal application form.

We want to keep you as our customer. If you receive an offer that’s “too good to be true,” it just might be. Before you say yes, let us look over the fi ne print. We can help.