You just got a great price quote on your auto insurance in pennsylvania. Now what should you do? You’re not dealing with a known, household name but the price is so good.
I’ll give you a few suggestions gathered from my 23 years in this business. Suggestions on what to look for and what to avoid.
You’ve been with your current company for how long ? I know that as an agent, I tend to look at the chronic price shoppers a bit differently. The clients who come to me as a referral and they’ve been with another company for 10 years normally get “all of our attention” They tend to be the better clients who are concerned about proper advice, guidance and coverage as much as pricing. This type of client allows me to earn their trust and help them make informed decisions. But…that may not describe you. Your shopping habits are much different and the internet is your best friend. Fear not, I am prepared to deal with any pa auto insurance shopper regardless of their preference. Today’s fast paced shoppers want it now instead of later and want all the info. to make their decision quickly. We are prepared to do that as well. We represent a number of great pennsylvania auto insurance providers just for that reason.
Get that quote in front of you and plop yourself down in front of that computer. Type in this address http://www.ins.state.pa.us/ins/site/default.asp Now do a search for the company that just gave you this super deal.
Here’s a few factors that will help you decide if making the switch is worth it:
- How long has this company been operating in the Pennsylvania auto insurance market ? It will be a good indicator to see if they are trying to grab some “market share” by underpricing their product or if they are seasoned veterans with a good reputation.
- Check their financial rating. Are they A rated or better by the AM Bestcompany ? http://www3.ambest.com/ratings/default.asp check the AM Best website to see if this pennsylvania auto insurance company is highly rated or sitting on unstable ground. With all the turmoil in the financial industry lately you really need to be sure you choose the right company.
- Will you be giving up percs if you switch ? Many people switch and then find out they gave up their accident forgiveness when changing companies. Some reputable companies offer accident forgiveness to new clients who have earned that benefit at their current company. Be sure to ask the question
- Get it in writing before you sign anything. Many online companies have a reputation for quoting coverage at the pennsylvania state minimum limits. You want good, sound advice before you choose to take the basic limits and what could result from that decision.
- Call two area bodyshops and mention the name of the new company and ask how they enjoy dealing with this company. These guys make their livelyhood from dealing with insurance companies paying on claims. Their thoughts should give you a better idea on what to expect if you were to have a claim.
- Check a few online sources for feedback that other clients may have left regarding this company. Maybe http://www.reportsripoff.com/?gclid=CL_y-KOImp4CFYZM5QodlzcMqA this is a good start on your homework.
You’ve done your homework and you’ve reached a decision you’re happy with. Good luck in your endeavor and let’s hope you have a pleasant experience
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