Auto Insurance – Can Switching Be Hassle


There are many different companies and many different methods of shopping for auto insurance. But many people stick to their current company because they don’t want to go through the “hassle” of shopping around and then switching. Is there a way to make the process less time-consuming and essentially hassle-free?

I remember when I was first added to my parent’s insurance policy over 15 years ago. My parents and I loaded into the old Chevy Lumina and off to the agent’s office we went. An hour and a half later we returned home and I was on the policy, significantly increasing my parent’s premium.

While the increase in premium when adding a teenager has not changed, many things have. These days I obviously have my own car insurance policy and my parents, up until recently, still had that original auto policy from 15 years ago. A few months ago my parents switched that same auto coverage over to an independent agent. But the process was much less time consuming.

In fact, with a five minute phone call the agency had all the information they needed to provide them with a quote. After realizing they could reduce their bill by half, they decided to switch. Another 5 minute phone call and their new policy was issued. Furthermore, they were able to e-sign their paperwork online. They never had to leave the comforts of home and they had a new policy that included more coverage for almost half the price.

There are three lessons in this story:

Lesson #1: Teenagers are expensive and, unfortunately, that will never change.

Lesson #2: It’s a good idea to shop your car insurance around every once in a while to make sure you are getting a fair price.

Lesson #3: It doesn’t need to be a difficult process to shop and switch your auto insurance.

In the past, dealing with insurance was a time consuming process. Making changes to your policy or shopping around for a better rate was not as simple as it is today. In today’s world, shopping can be extremely easy. Today’s technology has made a quote only a couple clicks away. Even if you do not like usuing modern technology, you can call from the comforts of your home to an independent agent and get multiple quotes with one call! Whether by phone, fax, email, or online, shopping your auto insurance rates takes a small amount of time, but the rewards can be enormous.

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