You have got a few auto insurance quotes and cannot make your mind up. There is nothing wrong with them and you are sure you would be equally happy with any company you pick. The problem is that the difference between the new one and the renewal quote is little. This is a pretty good news that you haven’t been paying excessive premiums so far. Now, Should you switch to take the saving on offer or think that the devil you know is better than the devil you don’t and stay put?
Many people do have this dilemma. Let’s dig this a bit deeper. Do you really know them enough? Most people would pay their dues and file the schedule away until the next renewal and it isn’t taken out unless something happens. So, when did you have a chance to get acquainted? In our opinion, if they come good and compensate you pretty fast after a claim you can say that you know them. Otherwise, most people have absolutely no idea how good they are in paying claims and that is what really matters.
Quite a few policyholders don’t even bother to check for better coverage and lower premiums because they get comfortable with current vehicle insurers. Checking for alternatives is reassuring in many ways and not always lead to switching. 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.
When it is done right switching car insurers is a straightforward process, especially during renewal times. There may be one or two points to pay attention to but most things are the same. 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 value of making own choices and leave things to brokers or agents. It is very important because you are the one who will face its consequences. So, take time and by all means consider the advices given by an agent or friend. But make sure that you make a decision based on what you think is best in the current circumstances.
A good option would be to talk to the existing carrier and see if they will price match. Automobile insurance companies somehow find a way to match the other quote from a rival if they like to keep the policyholder. So, it is always worth checking back before replacing them.
People believe that premiums are set in stone. However, this is not always the case. Some companies may not entertain a 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 prices anymore or they are not keen to keep you. Either way you may be better off somewhere else. There are so many alternatives out there and some of them even offer special switch and save deals that reduce rates further 5-10%.