Do you know if you have the right auto insurance provider? More times than not, people choose the same insurance provider that their parents use for their policy. And, while this may seem like an obvious choice, what’s best for your parents may not always be right for you.
That’s why it’s important to talk to an insurance broker before making any decisions regarding your auto coverage. Otherwise, you could be missing out on a policy that’s better suited to your needs. If you’re not sure whether you have the best policy for your lifestyle, here are a few questions you should ask yourself about your current auto insurance provider to find out.
How Did They Calculate My Risk Level?
Did you know that the insurance companies assess your risk level before determining your rate? It’s true! The policy that you’re offered is based on how much of a risk you pose to the provider, which is exactly why you should be asking yourself, “how did they determine my risk rating?” Considering no two insurance companies use the exact same exact methodology to underwrite a customer’s risk level, it’s entirely possible that you may be paying more with your current provider than with another.
Did They Offer Me the Best Deal?
Did they offer you a deal before you purchased your policy? Most insurance providers will offer discounts, but only if you ask. It’s unfortunate there are so many consumers that have absolutely no idea if their provider offers discounts when they sign up. And if you never thought to ask, it’s likely that you missed out on a substantial amount of savings.
Did They Present all the Payments Plans?
If you were only presented with one payment option, you might not be with the right provider. Most insurers offer a variety of ways that you can pay for your car insurance. If you were pushed into a payment option without being told about the other available options, it’s likely your provider is hiding other things from you as well.
Do They Have an Efficient Claims Process?
The whole point of paying an auto insurance provider is to receive coverage when something happens unexpectedly. If they don’t have an efficient and reliable claims process, it’s likely this process will fall short when you need reliable support. If you don’t feel confident that the claims will run smoothly, you should talk to someone who can help you find a more reliable provider.
Do They Really Care About Me?
If you purchased your policy online, you’re likely just another number to them. When you’re dealing with something as important as auto insurance, you should know your agent by their first name and feel as if the company actually cares about you as a customer. A top-tier provider will make an effort to meet you in person and learn more about you so they can provide you with the best coverage for your needs, not theirs.
If these points ring true, it’s definitely time to talk to one of our expert advisors. We’ll listen to your needs and provide you with all the information you need to make a better-informed decision for your auto insurance. To find out more contact Rowat Insurance today!