SMARTSHOPYOURCARINSURANCE.COM

The best auto & home insurance company reviews on the Web!

  Scroll down to learn 8 things every auto & home insurance policyholder needs to know!    


1. INSURANCE COMPANIES DO NOT REWARD YOUR LOYALTY.

  Some insurance companies have additional discounts and benefits if you insure with them for 5 years or longer, but low rates are not one of them. Auto & home insurance continues to change, with new insurance rating plans offering much lower rates. Insurance companies know that long term customers do not shop their insurance and take your business for granted. If you have not shopped your insurance in years, you need to shop to see how much money you can save with competing insurance companies, then let your insurance agent know you can get a better deal elsewhere. Your agent will be sure to see if you can get a better rate with your current insurance company.


2. INSURANCE COMPANIES ARE NOT LOYAL TO YOU.

Even insurance companies owned by their policyholders are businesses, and need to act in the best interest of all their policyholders. That means canceling the insurance of customers considered to be a higher risk. You can be a customer for over 40 years without a claim, then have 2 claims in 3 years, and be canceled. If you have a good agent, they can fight for you, but the decision is always up to the insurance company. The insurance company will risk losing all your business, and the business of anyone you can influence, if the insurance company decides there is a greater chance of paying a claim. 


3. THERE ARE HUGE PRICE DIFFERENCES BETWEEN INSURANCE COMPANIES.

Although insurance companies value the same things when quoting your insurance (clean driving record, no claims, etc.), price can vary greatly among auto & home insurance companies. For example, the last time I shopped my auto insurance, I was quoted as low as $257 every 6 months with one company, to a high of $660 every 6 months with another company. Although people with a clean driving record get the lowest prices and most options, EVERYONE-- even if you have had a lapse in coverage, or multiple moving violations -- can save money by shopping.


4. NO SINGLE INSURANCE COMPANY HAS THE LOWEST RATES FOR EVERYONE.

Insurance companies look at many things to determine your auto & home insurance rates. Company A may have the lowest rate for me. But if I move across town to a different zip code, Company B now has the best rate for me.  Or if I have a different car, Company C now has the best rate. Or if I have a speeding ticket, instead of having a clean driving record, Company D now has the best rate for me. This is why many insurance companies can claim they save HUNDREDS of dollars for their customers. The ONLY way for you to find out WHICH insurance company can save YOU hundreds of dollars is to shop your insurance.


5. SHOP WITH MANY INSURANCE COMPANIES IF YOU WANT THE BEST PRICE FOR AUTO & HOME INSURANCE.

My experience selling auto insurance, and knowledge of the auto insurance market, led me to believe I knew the companies having the best price for me before shopping. When I was selling auto insurance, it was important for me to know the competition, so I checked my rates with as many auto insurance companies as I could find, and I was surprised by which company had the best rate for me. A few companies with the reputation for low rates had prices under $400 every 6 months. I found 2 companies that had a 6 month rate around $320, and I thought that was  the best rate I could get. But I kept shopping, and received a quote for $257 every 6 months.


6. SHOP YOUR CAR & HOME INSURANCE ONCE A YEAR.

The auto & home insurance markets are very competitive. Rates and discounts are always changing. An insurance company that did not have a good rate for you a year ago may have a great rate  for you now. Also, the things about you that insurance companies use to determine your rates are also changing. For example, you should be able to get a much lower rate with another company  once you have 1 year, 3 years or 5 years of continuous insurance. Each year, for the last 3 years, I have shopped my auto insurance and have been able to reduce my rates from $349 to $313 to $257 for 6 months, and increased my coverage as well. Bookmark this page to remind you to shop your car insurance yearly.


7. WHY IS GETTING A GOOD PRICE FOR AUTO & HOME INSURANCE SO IMPORTANT?

Don't you get what you pay for? No, you don't get better service by paying more for auto & home insurance. When considering claims, you can have a great experience or a terrible experience  with ANY auto insurance company. THERE  IS NO  RELATIONSHIP BETWEEN  THE PRICE YOU PAY AND  THE QUALITY OF  CUSTOMER  SERVICE  OR CLAIMS  HANDLING YOU RECEIVE FROM AN INSURANCE COMPANY. You can pay a lot more for your insurance and still have a terrible customer service experience. Shop for the best insurance rates, then check the reputation for customer service for the lower-priced auto & home insurance companies on my auto & home insurance company reviews home page. You may be  surprised you can pay less AND get better customer service. 

8. MANY PEOPLE PAY TOO MUCH FOR THEIR AUTO & HOME INSURANCE. ARE YOU ONE OF THEM?

Too many insurance companies charge too much for their coverage, try to get by on their brand name, and depend on you thinking it is too much of a hassle to shop for better auto or home  insurance. Don't believe it: take my advice, use my insurance company reviews, and get the insurance coverage you need at a better price. Use the ad below to go to the websites of major auto & home insurance providers, and start shopping now!  


     
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