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Apples and oranges: compare auto insurance without going bananas

1/10/2018

 
​You’ve seen it everywhere: “click or call to save on your insurance.”
​Should you click or call?
​How do you compare car insurance rates without going bananas?
​The problem
1. Jungle of carriers.
​According to the Insurance Information Institute, there are more than 2,500 auto insurance companies in the United States.
Hundreds of these companies are licensed to sell you a policy in California. How can you possibly compare them all? There is always “one more quote” that you can get. Who’s got the time?
​2. Apples and oranges.
Anyone can quote you a cheap price and “compare” that to your current policy.
​They can even say that it’s an “apples to apples” comparison.
​But what if it’s “apples to oranges?” There are so many ways that a car insurance quote can be “tweaked” to make it look better than what you have now.
​At the end of the day, you must trust someone to know that it’s truly “apples to apples.”
​3. Fine print nightmare.
​We all know the adage: watch out for the fine print.
​So where is the fine print in a car insurance quote in Napa, California? Usually (not always) it’s in the “exclusions” part of your policy. That’s where the “gotchas” often live.
​You need someone you can trust to explain the “insurance-y” language.
​The risk
​1. Company stability.
​Big doesn’t always mean better or safer. We learned just a decade ago that no one is too big to fail.
​So, if bigness alone doesn’t guarantee stability, how can you determine by yourself if a company is stable?
​When you choose an insurance company, you are betting on them to pay claims later.
​2. Inadequate protection.
Here’s the biggest risk you face when comparing car insurance premiums. You may be tempted to lower your coverage to get a cheaper rate.
​That’s not always a bad idea if you are aware of the risk. For instance, raising your deductibles may be a good idea for some people. That can help lower rates.
But many people I talk to don’t have enough liability protection. They haven’t looked at their assets and future earnings potential to see if they have enough protection in case of an at-fault accident.
In addition, some coverage just makes great sense but is not required, such as uninsured motorist coverage.
Numbers can be tweaked to create a great quote, but the quote may expose you to great risk.
​The solution
​Trust is the solution.
You must trust someone. You’ll either trust yourself, an online computer program, a person in a cubicle hundreds of miles away, or a local and experienced agent. Your assets and future earnings are at stake, so your choice matters. Choose wisely.
​Call a local agent who lives in your community.
They have “skin in the game” at claim time. Your safety, and their reputation hang on helping you make the best choice.
​They will put your interests first.

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    Bruce Sackrison

    Napa, California
    (707) 931-018

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