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Smart Shopper Questions About Auto Insurance & Accidents
4422 messages, Last post on Dec 04, 2009 at 6:46 PM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
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Replying to: euphonium (Aug 14, 2009 8:26 am) Of course he was also the reporter who broke the Godzilla story.... |
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there any place that has a definitive breakdown and rating of all the insurers available to us in a given state? Sorta like a CR rating (sorry Edmunds! heh  ) ?? I think my current company is way overcharging us and I want to go to a new one but dont want to leave one and inherit a whole new set of problems/difficulties/attitudes, etc? Know what I mean? There are way too many choices and ads on TV wanting my hard earned $$$ (lizards, girls in white suits, animations, etc) and good ol TX has some of the highest rates in the country so I'd really like to get the best for the least that I can...TIA...Dave
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Replying to: wdhyte (Sep 01, 2009 10:21 am) |
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Replying to: wdhyte (Sep 01, 2009 10:21 am) If you are not in that group you have to work a little harder. They depend on the fact that people don't like to change carriers and tend to stay with the "devil" they know so at least look around and get quotes and don't be bashful about changing.
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Replying to: wdhyte (Sep 01, 2009 10:21 am)
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Replying to: houdini1 (Sep 01, 2009 12:30 pm) after some cursory pricing and even upping the coverage considerably I'm seeing quotes 500-700/yr less than what we're paying now. THATS got my attention. |
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Replying to: euphonium (Sep 01, 2009 2:48 pm) )
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Replying to: wdhyte (Sep 01, 2009 6:16 pm) The agent may have draft authority of up to $1,000 for paying mostly small Comprehensive claims such as Windshield replacements so present that bill to the agent. Liability claims are handled by a company staff adjuster as are major Collision claims. Regarding your relationship with your agent - He is in your corner and a Shepherd in times of trouble. Each time your policy renews, he receives a Renewal Commission and that is usually enough to keep him interested in protecting and serving you the best he can. |
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The additional advantage of dealing with an Independent Agent is that, as in my case, they represent, I believe, 4-5 different insurance companies...while that does not cover the ENTIRE market, I think they have a fairly decent representative sample of rates from multiple companies, and can shop for the best rates based on my most important demographic...ME!!! I have had the same agent and insurance since 1992...I would hope, by now, he appreciates my continuing business...
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Replying to: wdhyte (Sep 01, 2009 6:16 pm) On the other hand, if you are with and independent agency it is you and the agency against the insurance company because the agent works for YOU. Makes a huge difference. Travelers is supposed to be hot right now and they are accessed thru independent agents. Good luck. |
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