by Guest » Tue May 12, 2009 04:01 pm
I plan on switching my car insurance to esurance, and have a few questions.
I'm getting online quotes and it seems esurance is half price of my current "nationwide", and almost seems too good to be true. I want to make sure I'm not missing anything that could leave me SOL.
My car is a crappy honda accord 1985. I don't need comprehensive or collision, because i don't care much about the car (its worth $200). nationwide has me paying $211 a month, esurance has me paying $121
That's what im getting from esurance, $639, 6 month premium, freakin great for me (ive got an accident and 2 tickets, and im only 20).
I need to know if im missing anything important, or if esurance is a terrible company (to explain their amazing rates)
Like i said, i just turned 20 so im really new to this, and some advice would be very nice =)
I'm getting online quotes and it seems esurance is half price of my current "nationwide", and almost seems too good to be true. I want to make sure I'm not missing anything that could leave me SOL.
My car is a crappy honda accord 1985. I don't need comprehensive or collision, because i don't care much about the car (its worth $200). nationwide has me paying $211 a month, esurance has me paying $121
That's what im getting from esurance, $639, 6 month premium, freakin great for me (ive got an accident and 2 tickets, and im only 20).
I need to know if im missing anything important, or if esurance is a terrible company (to explain their amazing rates)
Like i said, i just turned 20 so im really new to this, and some advice would be very nice =)
Posted: Thu May 14, 2009 09:21 am Post Subject:
Since the OP is young and through switching he would save a great deal I see no issues with his changing the carrier. The customer should take the opportunity to save money without compromising with the coverage whenever they can. That is why the option of shopping around is available.
However, sticking to one company might be beneficial since you may get some discounts on the premium rate for your loyalty, but I don't see it as an option for the OP because at his age the rates would be high anyway.
llmercll, best of luck with the new carrier. But remember to drive carefully otherwise you might find the great rates gone.
Thanks,
Rupert
Posted: Sun May 17, 2009 09:09 pm Post Subject:
As with any business that we all deal with, value should make more of a deciding factor than price. Too many people simply look at the lowest priced option, and it doesn't even have to be dealing with insurance. It may be cheaper to go with Company B vs. Company A, but is Company B going to offer the same features, benefits, and service?
All agents (especially the ones working with more expensive companies) must be familiar with the services offered and how it relates to cost.
Posted: Mon May 18, 2009 05:57 am Post Subject:
Too many people simply look at the lowest priced option, and it doesn't even have to be dealing with insurance.
This is one habit that is so well prevailed. The cheap rates are so appealing that people would decide to overlook the services they would get from it. Therefore, agents should always be aware of the rates and benefits offered by the competitors to be able to present before the clients in order to retain their confidence on them.
You wouldn't always get the best benefits with cheap rates. And, it happens more often than we think that it actually would.
Thanks,
Rupert
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