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Home > Smart Spending > Archives > 2009 > March > 09 > Entry
Seeking lower insurance premiums? Here’s an easy way (and you can quote me)
The Atlanta Journal-Constitution
Home and auto insurance is one of life’s necessary spending evils, made worse by those annoying TV ads. (What’s with the ducks and cavemen? I don’t get it, nor will I get coverage from those companies.)
I’ve never felt comfortable shopping for providers, partly out of uncertainty that they were providing rate quotes for an apples-to-apples comparison. OK, this premium is lower than that one, but is the coverage equal?
Then an acquaintance, burned by a rate hike from her long-term provider, told me about how an independent insurance agency got her premiums slashed. This particular firm has contracts to represent eight providers. So it obtained quotes from all of them, and she happily switched over to one.
I approached the same firm, which responded with a bunch of quotes that would knock down my premium slightly. I’m undecided whether to jump ship, but at least I can rest assured knowing that my current provider is not fleecing me.
Have you gone the independent agent route in search of lower premiums? Was it worth the trouble?
This site offers a sampling of independent agents.
Here is one with tips on shopping for vehicle insurance.
And, if you’d rather compare rate quotes yourself rather than lean on an agent, check this out.
Are you content with your insurance company? And, with the premium it charges you?
It’s not easy being a smart spender in this area. Too many quacks and hairy situations, if you ask me.
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