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| Big Fat Lie #1 - Online Auto Insurance Is Cheaper & Auto Insurance Agent |
| Saturday, December 27, 2008 |
Big Fat Lie #1 - Online Auto Insurance Is Cheaper
Auto Insurance Agent
You have been lied to! Buying your auto insurance online is not the cheapest way to buy car insurance, as a matter of fact it's one of the most expensive ways to buy your auto policy.
When most of us shop around on the Internet for auto insurance rates, the only thing we think about is price.
The big insurance companies don't want you reading this. Naturally, like most folks, we want the most insurance we can get at the lowest price possible. They're making a huge bundle selling high priced auto insurance online. It's why companies like Progressive started online rate quotes so you could find out exactly how much your policy is going to be without even leaving the house.
The reason they are so successful is because we as a society have come to equate fast with best and this is far from the truth. They even give you the policy price for their competition so you can go with them if it would save you money. The big car insurance companies have done a great job at pushing "fast".
It would seem as if this is all that we should concern ourselves with but there is another factor that people should take into consideration. If you go to any of their web sites, you will notice "Fast Quote", "Get your insurance now" plastered all over the opening web page. The quality and the availability of an auto insurance agent at any time of the day is a very important part of buying car insurance.
Nowhere will you see Lowest quote because the lowest quotes can only be given out by the local agents. People don't always have accidents from 9am to 5pm, so, do you know if your auto insurance agent will be there when you need them?
Let us look a little further and see if we can find an answer to this question. They are the only ones that have the authority to lower rates. Did you know that an easy way to find out what the hours of your auto insurance agent are is to visit their website.
The online insurance quote sites are nothing more than computer based. Most car insurance companies will list when their 1-800 number is active and when you can get a claims adjuster to come out to the scene of an accident. What this means is that a computer can only give out what's in it's hard drive, and believe me they don't put a low quote in the hard drive. The best companies offer this service 24 hours a day, 7 days a week, 365 days a year. Just how long do you think it would take for some bright programmer to figure out how to access that low rate? Probably not any longer than it's taking you to read this article.
The trouble starts when you find out that your current auto insurance company has limits on when you can contact them.
Can you imagine what would happen to those big insurance companies if everyone on the internet new how to access that low rate. Some of these hotlines are only available during normal working hours. Some "Guru" would be selling a program for all to use in a matter of minutes. Some auto insurance agents will be available from 8am to 8pm, but not during the late night hours.
The only way to get that low quote is from a local insurance agent and then only if he knows he's competing against another agent. It can be a tough decision to pay a little more for your car insurance so you have the convenience of getting an auto insurance agent at all hours, but when you've been in an accident and you suddenly find yourself without a car, you'll be thankful that you went with a company that offers a 24 hour a day on call auto insurance agent. Call up your local agent and you'll get the same quote as every one else. Local insurance agents are there to make money and they won't give out that low rate unless their forced to.
The only way to get that low rate is through the agent himself, not his secretary or anyone else on his staff. That's the agent profit he's cutting so he's the only one who can cut that rate.
The ideal way to get that low, low quote is too go online, fill out just one form and have it emailed to five or six of the hungriest and sharpest local agents in your area. When they receive your request for a quote they will automatically know that their best competition also received the same quote request.
This puts those local agents in a competitive mode, ready to cut rates and due what ever it takes to get your business.
Related Blog: ktf reno7.blogspot.com
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posted by ijyhefukuudifon12410 @ 6:36 AM  |
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