Tips For Saving Money - Reduce Your Car Insurance
When shopping for auto insurance know that not all insurance companies specialize in the same exact risk.
Some carriers have a niche for great credit, or clean mvr's, or older drivers, or younger drivers 16-24 on their parents policy or drivers who just want the bare minimum.
So how do you know where to start? Easy, start with an independent agent who writes through multiple carriers.
By doing so, your independent agent will obtain quotes through various carriers that specialize in your situation.
If you contact a captive agency like Allstate they will only quote you through the one carrier.
I can assure you that captive agencies do not specialize in every type risk so chances are you won't be receiving the best pricing.
Will the captive agency tell you that the rate they are giving you is not in their niche, of course not.
The only way you'll know is if you contact other carriers.
I have worked for both a captive as well as an independent agency and can tell you on the independent side, I virtually never lose a quote to anyone.
On the other hand, when I was a captive agent I would be lucky if I sold 2 out of 10 quotes.
I basically sold to the people who felt I was giving them the best pricing when in fact I was only quoting the one carrier.
I always knew that if anyone shopped me I would never hear back from them.
So like anything else in life, if you use the people or services that are known for specializing in what you need you are more likely to have a positive outcome for what you are trying to accomplish.
Some carriers have a niche for great credit, or clean mvr's, or older drivers, or younger drivers 16-24 on their parents policy or drivers who just want the bare minimum.
So how do you know where to start? Easy, start with an independent agent who writes through multiple carriers.
By doing so, your independent agent will obtain quotes through various carriers that specialize in your situation.
If you contact a captive agency like Allstate they will only quote you through the one carrier.
I can assure you that captive agencies do not specialize in every type risk so chances are you won't be receiving the best pricing.
Will the captive agency tell you that the rate they are giving you is not in their niche, of course not.
The only way you'll know is if you contact other carriers.
I have worked for both a captive as well as an independent agency and can tell you on the independent side, I virtually never lose a quote to anyone.
On the other hand, when I was a captive agent I would be lucky if I sold 2 out of 10 quotes.
I basically sold to the people who felt I was giving them the best pricing when in fact I was only quoting the one carrier.
I always knew that if anyone shopped me I would never hear back from them.
So like anything else in life, if you use the people or services that are known for specializing in what you need you are more likely to have a positive outcome for what you are trying to accomplish.