to learn 8 things every auto & home insurance policyholder
needs to know!
The best auto
& home insurance company reviews on the Web!
1. INSURANCE COMPANIES DO NOT REWARD
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
business for granted. If you have
not shopped your insurance in
years, you need to shop to see how much money you can save
insurance companies, then let your insurance agent know you can get a
deal elsewhere. Your agent will be sure to see if you
a better rate with your current insurance company.
2. INSURANCE COMPANIES
ARE NOT LOYAL TO YOU.
Even insurance companies owned by their policyholders are
and need to act in the best interest of all their
policyholders. That means canceling the
considered to be a higher
risk. You can be a customer for over 40 years without a claim,
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
there is a greater chance of paying a
3. THERE ARE HUGE PRICE DIFFERENCES
BETWEEN INSURANCE COMPANIES.
Although insurance companies value the same things
quoting your insurance (clean driving record, no claims,
etc.), price can vary greatly among auto & home insurance
example, the last time I shopped my auto insurance, I was
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 &
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.
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
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
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?
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
YOU RECEIVE FROM AN INSURANCE
can pay a lot more for your insurance and still have a
terrible customer service experience. Shop for
insurance rates, then check the reputation for customer
service for the lower-priced auto & home insurance companies
on my auto & home insurance company reviews
page. You may be
surprised you can pay less
AND get better customer
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
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
insurance providers, and start