Switching auto insurance companies is something that most people prefer to avoid. However, there are some cases where it’s beneficial to do so. Here are a few reasons to switch auto insurance companies.
Discounts
It makes sense to switch auto insurance companies if that change allows you to take advantage of certain discounts. One of the most important discounts is the multi-policy discount. This applies when you have a homeowner, auto, and/or renter’s insurance policy through the same company or agent. Other discounts may be available as well and will vary from company to company.
Service
Pricing is not everything. If the cheapest policy and provider comes with poor customer service, then any perceived savings would be negated by your frustrating experience. Filing insurance claims is already stressful. Adding poor customer service to that mix only heightens the stress level. When selecting an insurance company, be sure to evaluate both price and service. Consider things such as:
- How easy is it to manage your account (i.e. via online portals)?
- Is it easy to reach customer service on the phone?
- Are customer service reps easy to understand on the phone?
- What process is used to file claims? Is it straight forward or complicated?
- How quickly are claims processed?
- What have other customers experienced?
Selecting a company with great customer service will allow you to receive the help you need, when you most need it. That, in itself, is of huge value!
Life Changes
Sometimes the best insurance company for you depends on some personal factors, such as the type of vehicle you drive, the state you live in, etc. For instance, if you own an exotic car, some companies may be better suited to your coverage needs than others. If you have moved from one state to another, you may need to change companies if your old insurer is not licensed to operate in your new state. Insurance companies are not all created equal. Identifying companies that are a good fit for your needs is just as important and price and service.
Selecting Auto Insurance Companies
Identifying auto insurance companies to consider is not always easy. It takes time to call up different providers, provide your information, and compare quotes. Fortunately, there is an option that can make this process painless. Independent Insurance Agents, like Eagle Trust Insurance, work with a wide range of insurance companies. We can do the research and legwork for you! Contact us for a complimentary review of your insurance needs.
