Quote:
Originally Posted by Tony Radford
I took my current policy and applied to AARP, Geico, Farmers and Travelers. All were cheaper and with the exception of AARP, all were close to half. Are you suggesting that all of these other insurance companies are a risk? I was told by my Allstate agent that I could get a reduction, but I have to ask for it. I'm done with agents that are tied to one brand.
I've had this policy for 20 years and covered two kids to age 25. Wrecks, tickets, the whole ball of wax. Yet despite tickets timing out, kids leaving the policy, vehicles getting old, my rates have never been significantly reduced. From the research I've done so far, I think I would have to be stupid to continue down my current provider.
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OK, One thing at a time.
In the
BOLD BLACK:
Absolutely not saying they are all a risk. I didn't say that nor did I insinuate it. What I am saying is you get what you pay for. If you shop for the lowest rate, instead of the best coverage, you will get the worst service if there is a loss.
Think about this for just a second. Do you really think the company with the cheapest rates can afford to give you top notch claim service if there is a loss, when you paid the smallest amount for the premium?
Come on, your smarter than that. If the premiums are the cheapest you can find, the service will be the worst. OK, WHY? Well, to begin with, the agents do not even make a decent commission with those policies. They will make change, literally. So, they have to write hundreds or thousands of policies to make a living. They are so covered up with the day to day efforts of selling more policies they don't have time to help you. They can't, they have to sell, sell, sell.. in order to feed their families.
In the
'BOLD RED'
You should re-think this as well. Here is why:
If you have a 'Captive Agent' as your agent and you have a loss, you will receive better claims service than you would if you have an independent agent.
WHY?
OK, Think about this. If you live in an area that has just been devastated by a hurricane. Would you rather call your 'Captive Agent" that has an ARMY of people behind him/her to come to your area to get the loss valued and your immediate needs taken care of quickly?
Or would you rather call your 'Independent Agent' that has to call this adjuster for your loss, that adjuster for your neighbors loss, and still another adjuster for third loss... all in the same neighborhood? You will have ONE adjuster that has to come to the area and look at hundreds upon hundreds of loss claims. No telling when he will get to you.
Yes, it happens just like that! Now you know why.