Car Insurance: Get Lower Quotes

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Posted: Mon Nov 02, 2009 9:39 pm Post subject: Car Insurance: Get Lower Quotes

Hi all, I always manage to get low quotes for my circumstances by playing off each company by the other. I get faxes and emails and I use the phone to demand that they beat each others quote and the insurance companies like to beat each others quotes so I always get a good deal. You must get email or fax quotes to show to the other companies, Just thought I'd pass on that tip.

carinsurance

New member

Joined: 02 Nov 2009
Posts: 1

Location: London UK
1.32 Dollars($)

Posted: Tue Nov 03, 2009 6:54 am Post subject:

This is certainly interesting and might come to help for all of us. It seems like you invite quotes from a few of them and then in return you show each one what you've been offered by their competitors. Do they all reply back with a lower rate every time?

Quote:

You must get email or fax quotes to show to the other companies,

Do you attach such offers with your email?
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anonymous12

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Posted: Tue Nov 03, 2009 5:11 pm Post subject:

nsurers are NOT allowed to "play" off of one another. The rates are the rates, and an agent or insurance company cannot play negotiation games. You just got lucky finding a better quote as you shopped around. There's no way that a person could do something like this: Applicant: "Hi, I have a quote for $125 a month for my car insurance. If you can do $100 a month, I'll give you my business!" Agent: "Sure, I can do that...I'll write you up at $100 a month! Come on in and sign the paperwork!" Either the carrier can beat the price or they can't. There's no bargaining or negotiation involved. Insurance contracts are contracts of "adhesion." This means that it's offered to the applicant on a "take it or leave it" basis and the terms, conditions and coverage are not subject to any kind of negotiation. If the client takes the policy as issued, he's "stuck" with it and must adhere to all of the conditions and terms found within the policy. Rates are pre-approved in almost every state and insurers cannot deviate from the published, approved rates that are on file with each state. Sorry...ain't gonna happen! InsTeacher