| Cheap Car Insurance - Pros and Cons of Different Provider Types - Call 1-877-WIZ-AUTO (949-2886) to speak to an agent |
There are three main ways to shop and buy insurance for your car, and there are pros and cons to
each. Online shopping and purchasing offers very convenient 24 hour ability to manage your insurance
with keyboard strokes and mouse clicks. The only way to receive an accurate quote is by providing
personal information such as your full name, address, phone number, date of birth, and social security
number. Entering your personal information on the worldwide web is a hazard. Another problem with this
method of quoting and buying is the inability to take advantage of a knowledgeable "live" insurance
agent. Each auto insurance company has their proprietary method for segmenting or categorizing their
rates into different tiers. Each tier determines the price that is applied, to the options chosen, on an
auto insurance policy. A mouse, keyboard, and interactive software will not inform you of which options
to select, for access to the lowest price tiers.
A captive insurance agent is one that represents a single company such as Allstate. Captive agents
from reputable companies go through a rigorous screening process before they are allowed to
represent the company. They are professional trusted advisors who are thoroughly trained and
managed by their companies. Captive agents know how their companies tiering system works "hands
down" and will apply that knowledge to individual circumstances to gain the lowest price. The Allstate
agent, and other captive agents, only represent one company and will not provide you with a
comparison price from other top companies.
Independent insurance agencies represent a variety of companies. If the independent agency
represents well established, highly rated companies, such as Progressive, AIG, Mercury, Travelers,
etc... then this agency has undergone a thorough screening process. A good independent agency will
find you the right company with their lowest price tier, providing the best value for your auto insurance
policy. Also, a good independent agency will provide this service at each renewal interval or when a
substantial change to your policy, like adding a youthful operator, affects the price.
Author, Clifford J Schimek is President of Auto Plus Insurance, a family owned and operated auto
insurance agency. For additional helpful auto insurance policy information please visit our website at
http://www.floridaautoplusinsurance.com
each. Online shopping and purchasing offers very convenient 24 hour ability to manage your insurance
with keyboard strokes and mouse clicks. The only way to receive an accurate quote is by providing
personal information such as your full name, address, phone number, date of birth, and social security
number. Entering your personal information on the worldwide web is a hazard. Another problem with this
method of quoting and buying is the inability to take advantage of a knowledgeable "live" insurance
agent. Each auto insurance company has their proprietary method for segmenting or categorizing their
rates into different tiers. Each tier determines the price that is applied, to the options chosen, on an
auto insurance policy. A mouse, keyboard, and interactive software will not inform you of which options
to select, for access to the lowest price tiers.
A captive insurance agent is one that represents a single company such as Allstate. Captive agents
from reputable companies go through a rigorous screening process before they are allowed to
represent the company. They are professional trusted advisors who are thoroughly trained and
managed by their companies. Captive agents know how their companies tiering system works "hands
down" and will apply that knowledge to individual circumstances to gain the lowest price. The Allstate
agent, and other captive agents, only represent one company and will not provide you with a
comparison price from other top companies.
Independent insurance agencies represent a variety of companies. If the independent agency
represents well established, highly rated companies, such as Progressive, AIG, Mercury, Travelers,
etc... then this agency has undergone a thorough screening process. A good independent agency will
find you the right company with their lowest price tier, providing the best value for your auto insurance
policy. Also, a good independent agency will provide this service at each renewal interval or when a
substantial change to your policy, like adding a youthful operator, affects the price.
Author, Clifford J Schimek is President of Auto Plus Insurance, a family owned and operated auto
insurance agency. For additional helpful auto insurance policy information please visit our website at
http://www.floridaautoplusinsurance.com
Florida Auto Plus Insurance Agency
Local map and directions: 9742 Banyan street Miami, Florida 33157
Local map and directions: 9742 Banyan street Miami, Florida 33157