Why Not Get A Comparative Quote?

Observing my wife's experiences as an insurance agent, I have noticed the great loyalty displayed by clients. She has come in contact with people that had been with an insurance company for 5, 10, 15+ years. They are steadfast in their fidelity to that particular insurance company. Most feel very comfortable with an agent and the company that agent represent (this is a good thing because interpersonal relationships are very important). But what happens when that agent get complacent and stop following up with you throughout the year to update your policy or the Christmas cards or thank you cards stop coming?

I am shocked and dismayed that many policyholders have not inquired for an updated quote to see if they qualify for discounted rates that they may have not qualified for initially, ie. loyalty, multi-car, or multi-policy discounts. In addition, because the insured has been with an insurance company for so long, the thought had not occurred to try to get a quote from another insurance agency. Let me tell you , there is nothing wrong with doing this! There is nothing wrong or disloyal about trying to save money. Our present economic times are tough, and it's prudent to try to save money, whenever possible.

When you get a comparative quote from another agency, it is very important to know the coverages you presently have on your policy. It may be easier for yourself and the agent that you are getting the quote from if you have it with you, or better yet, if you are able to fax or email the insurance agent your declaration page. Your declaration page gives you a summary of your coverages, costs, discounts, limits of liability, and any endorsements that you may have added to your policy. This enables the agent to compare "apples to apples" and match your present coverages with the coverage that will be included in your quotes. As time goes by, your needs may changes, so the quote may contain additional recommendations that should be fully explained by the agent. It's important to make sure that you are adequately insured.

I can not overstate the importance of periodically obtaining a comparative quote. Competition will work in your favor because of the highly competitive business of insurance. Therefore, this is a plus for any consumer looking to save money.

Rico Henderson is the owner Henderson Insurance Agency, providing Affordable Texas Auto Insurance. To learn more, visit his site at All-AboutInsurance.net.



Henderson Insurance Agency

3960 Broadway Blvd., Ste. 111

Garland, TX 75043

972 - 840 - 0700