Question: I have got a few car insurance quotes and cannot make mind up. There is nothing wrong with the quotes and I am sure I would be equally happy with any company I pick. The problem is that the difference between the quote I like and my renewal quote from current insurer is little. Should I switch or stay?
Answer: Many people do have this dilemma. Quite a few policyholders don’t even bother to check for better policies and lower premiums because they get comfortable with their current vehicle insurer. Checking for alternative quotes is reassuring in many ways and not always lead to switching auto insurers. Motorists should consider that the savings could be large and they may miss out on them if they do nothing at renewal. The process of shopping around for better policies, more extensive coverage and cheaper rates is a lot easier than many people may think.
Here is an article about switching auto insurers. There are a few points you can check against what you did in your process and see how you could improve next time. In your case, you should read Final Thoughts section at the end. Remember that it is your choice at the end and nobody will force you to do something you don’t want.
Many people don’t appreciate the importance of making your own choices. It is very important because you are the one who will have to face the consequences of the decision. So, take your time and by all means consider the advices given by your agent or friends. But make sure that you make a decision based on what you think is best for your current circumstances.
A good option would be to talk to your existing carrier and see if they will match the best quote you have. Automobile insurance companies somehow find a way to match the other quote from a rival carrier if they like to keep the policyholder. So, it is always worth checking back with your current insurer before showing them the middle finger. People believe that quotes are set in stone. However, this is not always the case. Some companies may not entertain your request while others are happy to sharpen their pencils to see if they could find a mutually agreeable ground. If they don’t, either they cannot cut their prices anymore or they don’t appreciate your custom and honesty enough. Either way you may be better off somewhere else.