Once or twice a year car insurance policies come up for renewal. I don't know about you but for me it was a time that I didn't look forward to.
You basically had two choices. Option number one is to pay the renewal fee. That is the simplest and easiest if you enjoy paying way too much for you car insurance.
The second choice was to call or drive around to the different agents to get a quote. If you called you ended up paying phone tag with the person you needed to talk to. If you drove around you took your chance that the person you needed to see would be there instead of out doing what he wanted to do. A third choice started a few years ago and that was to go online to get a quote in a few minutes. This was fast and simple.The problem with this is you never got a low, low quote from the online place and this was the reason for the quote search in the first place.
Bottom line, you had no choice other than going from agent to agent to get a low rate. Local agents are the only ones authorized to cut rates and give a lower quote. Computers can only quote what's in their data base and believe me the low quote you want is not in that data base.
The reason it's not in their data base is that the insurance companies need their local agents and it would be suicide for them to give you a lower quote online than their local agents can.
The only logical way to get that low, low rate is to use hungry local agents and then only if they know they have competition.
When Agents compete You win. That is true in any business but especially in the car insurance business. Those local agents need your business if they're to grow and if those agents have a family then they need to grow to become successful. So they are willing to compete. One more time, when agents compete You win.
What's better than running around getting quotes or worse dialing for quotes? Go online and fill out one quote request, have it sent to seven or eight hungry local agents who want your business is the fastest and the best way to get the best rate.
That way you get the agents to compete and give out those low, low quotes. When a local agent receives a quote request from the system he knows that seven or eight other sharp local agents also received the quote request.
He knows that to get your business he needs to be as competitive as he can be, even if it means giving you the quote at his cost or below. Don't worry he will make the money back when he gets his monthly bonus for the number of policies sold.
You both win and that's what makes it such a great system. You get that low, low car insurance rate and the agent gets another policy added to the monthly pool which means more money for his agency.
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