Insurance shopping can be challenging, but getting the best deal for your specific needs is crucial. Sometimes, shoppers inadvertently make mistakes that can hurt them in various ways. To help you avoid these pitfalls and manage insurance salespeople for optimum results, we’ve compiled our top tips for getting the best deal.
Don’t Tell Them You Want the Cheapest
When discussing insurance with a salesperson, emphasize that you care about value, not just the price. If they think you’re only concerned about the price, they might slash coverage to appear cheap without fully explaining the consequences and risk. Instead, make it clear that you want a good deal on the coverages you should have.
Avoid Sending ‘Loser’ Red Flags
For best results, it’s essential to avoid creating the impression that you’re a ‘loser.” Remember that sales agents are looking for long-term clients, not just order-takers. Avoid giving the impression that:
- You’ll be inordinately rude or difficult
- You have a poor payment history
- You have a history of lapses in insurance coverage
- You only want the cheapest options, regardless of coverage
- You expect a quote without providing the necessary information
It’s important to be honest about any issues you’ve had, but communicate them in a way that shows they’re not representative of your usual behavior. Remember, insurance agents are looking for clients who value good coverage and are worth quoting with the best companies.
Know What You Want
Having an idea of what coverage you want can make the process smoother. If you’re working with a good insurance source, they’ll be happy to help you figure this out. The more you know about available coverages, the better you’ll be at ensuring you’re getting what you need.
Provide the Necessary Information
Insurance sales agents will need some personal information to provide a quote. While you might be hesitant to share, providing accurate information to a reputable source that will treat your data securely is essential for accurate quotes and can impact your ability to get the coverage you need.
Choose Reputable Sources
Be cautious when sharing your information online. Some websites promise instant quotes only to sell your data to insurance companies and agencies. To avoid this, ensure you’re dealing with legitimate sources.
Ask for Credits and Discounts
Ask for any available discounts but remember that the bottom line price for the coverage included is what matters most. It’s better to buy a policy with fewer discounts but an overall lower price for the same coverage than a policy with more discounts but an overall higher price. Also, be wary of disappearing discounts that vanish after a short time. These are designed to be temporary to get you to switch but then go away once they think you won’t be shopping anymore.
Inquire About Ways to Get a Better Deal
Be bold and ask sales agents what you can do to get a better deal or improve your standing with insurance companies in the future. Some agents may hesitate to share negative factors impacting your rates, like credit, for fear of upsetting you. However, if you ask for honest ideas on improving your risk profile to look less risky to insurance companies, they might provide candid feedback that can save you thousands of dollars in the future.
Shop at Least One Good Independent Agency
Independent insurance agencies offer unique benefits that can significantly impact your insurance shopping experience. Learn more about these benefits in our article [here].
Our commitment to your insurance needs is the driving force behind Page Insurance. We’ve spent two decades building a team ready and able to help you when you’re ready. Following these tips will make you better equipped to manage insurance salespeople and find the best deal possible for your unique circumstances. And when you choose to work with an independent insurance agency like ours, you’ll enjoy an even more personalized and dedicated approach to your insurance needs.
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