I have just been reminded I should talk about insurance and what to look out for! This was also reinforced by the latest offer of providing me with a lower rate. After years in the financial field that offered everything, I've learned all that I know from the financiers point of view. For these reasons offering me a 3% lower rate than the insurance company I have doesn't make me jump ship!
Use the Better Business Bureau site as a tool to make your final decision.
While an insurance company may have excellent customer service scores, you have to take into account ambient knowledge to make sure you choose the right one.
Is it worth the 3% decrease to find out later you have been dropped for having too many claims? No one can stop nasty storm damage. But it has been known to happen. I know that both St Farm and Travelers have nasty business practices. Sure they can promise lower costs but it's how they can afford to do that that counts.
State Farm has been known to haunt people for money due to incomplete police reporting at an accident site and for poor investigation techniques landing them in trouble with Attorney General's consumers offices across the country.
I am tired of virtually every type of business luring in people with discount plans knowing the rates will be going up in three months.
What about all your insurance policies on what you own? Combine them and get a discount, that's what they all do anyway. And the safe driver check? Most insurance companies give you a safe driver discount, if you want that in the form of a check it will cost you a service fee.
These tips are brought to you by someone who's witnessed these and many other poor service techniques from the inside! Be wary, be safe!
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