It seems like every time you turn the TV on there is an advertisement for car insurance, and each company claims they’re the best car insurance company.
Who do you believe? Is it better to buy online from companies like GEICO or Progressive? Or should you talk to a local agent from a company like State Farm or Allstate?
Every company seems to claim they can save you $400 to $500 on your car insurance rates, but surely not EVERY company can save you money when you switch!
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Many people believe that insurance agents set the price they pay for insurance, but this couldn’t be farther from the truth.
The price you pay for insurance is established by the company you purchase your insurance from, not the agent that represents the company. Insurance agents simply take your information and enter it into the quoting software provided by the company, and the rate that is calculated is the rate you pay. Read More…
Tags: agent commissions, insurance commissions, insurance discountsWe all want to pay the lowest insurance rates especially with unemployment mounting and families cutting costs any way they can.
To find insurance at the lowest rates, you need to do a few things that can cut your insurance premiums substantially:
- First, take a look at your credit report. You can get your credit reports free once a year from each of the three top credit report companies, Experian, EquiFax and TransUnion. If you see any inaccurate data on your reports, have it fixed immediately. Lower credit scores can cost you BIG on your insurance rates. Read More…
Independent insurance agents come in a variety of flavors, so to speak.
Some agencies tend to focus on larger commercial or agricultural risks, and the insurance contracts they have tend to be with companies that can underwrite this business.
Other agencies, and probably the majority, focus more on personal lines such as car insurance, homeowners insurance, life, health, etc. These agencies tend to be smaller in size and staff, and the contracts they hold are with companies that can provide their personal lines customers with good claims service and insurance rates in their area. Read More…
Tags: independent agents, Insurance, insurance agentCaptive agents are insurance agents that are employed by one company and only insure their clients with that company. And example of a captive agent is a State Farm agent. When you obtain an insurance quote from a captive agent, all your coverages will be placed with that same company.
An independent agent on the other hand, is more of an independent contractor, so they can write insurance with many different insurance companies. Read More…
Tags: captive agents, independent agents, Insurance, insurance agentIt seems like insurance agents are on about every street corner. But how do you go about finding a GOOD insurance agent?
When shopping for insurance you have many choices in agents. Here’s a list of things to do to make sure you find the best agent for you: Read More…
Tags: independent agents, insurance agent, reliable insurance