Top Reasons Why You Should Not Change Your Insurer

It is hard to find a reliable car insurance company, since most of them just want to maximize their profit instead of helping their customers.  But if you already work with a good insurance provider, you should not change it, or at least not after comparing free online car insurance quotes. Check our list with top reasons why you should not change your insurer.

  1. @ photo1The insurer offers really good prices. Why change something that is working and it is for low cost? You should run a thoroughly insurance market analysis and if the prices offered by your current provider are the best, then you should stick with it.
  2. The contract is really good. The efficiency of the contracts and aspects covered by the policy are vital in selecting the insurance company. If you are satisfied with the terms of the contract, you should not move to other agency. Plus, you can add some riders, if you feel that something is missing and you want to make the policy better.
  3. You can get better rates from the same insurer. For example, if you want to renew the policy, but meanwhile, you installed extra safety devices, finished defensive driving course or expunged some minor traffic violations, you should talk with the insurer and check if he is willing to reduce the cost of premiums and reward you. Changing you classification from “high-risk driver” to a standard one should come with a substantial car insurance cost reduction.
  4. Your insurer is willing to offer loyalty discount. Another good reason to stick with the same insurer is the loyalty bonus. Not all companies, but most of them, offer generous discounts for customers who have been with them for several years. Typically, after 5 or six years, you should ask for this type of discount. Only if the provider is not willing to grant you this bonus, you should change the insurer.

 

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