{"id":18039,"date":"2016-09-24T17:05:00","date_gmt":"2016-09-25T00:05:00","guid":{"rendered":"https:\/\/www.freeway.com\/?p=18039"},"modified":"2023-09-21T04:32:29","modified_gmt":"2023-09-21T04:32:29","slug":"your-car-insurance-agent-friend-or-foe","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/blog\/car-insurance-3\/texas-car-insurance\/your-car-insurance-agent-friend-or-foe\/","title":{"rendered":"Your Car Insurance Agent \u2013 Friend or Foe?"},"content":{"rendered":"

When it comes to your car insurance<\/a> agent, is he a friend or a foe? In other words, aside from sending you a Christmas card every year, does he watch out for you? Does he make sure you\u2019re taking full advantage of all the discounts and benefits available to you from being insured by the company he represents? If the answer is no, he may be a foe. He could be just looking out for himself and not for you.<\/p>\n

If you\u2019re not sure, then it may be time to go over your policy with your agent. The only way you\u2019ll know if he\u2019s a friend, and you\u2019re actually getting the lowest rates possible, is to ask questions. Don\u2019t simply assume you are\u2026check. Yes, he\u2019s a busy guy and you don\u2019t want to bother him, but, the fact is, if you don\u2019t ask, you won\u2019t know. And, the idea of saving money should be a motivator.<\/p>\n

So, don\u2019t be shy, bother him. You\u2019re paying his company for car insurance coverage and his job is to serve you the best way he can. Give him the opportunity to prove to you he\u2018s a friend. Don\u2019t be afraid to ask him tough questions. For example, let him know that you\u2019re driving less, now that you\u2019re working closer to home. Ask him if it will save you a few bucks on your policy. Shorter commutes can usually mean lower rates. Your agent won\u2019t know about your new job if you don\u2019t tell him.<\/p>\n

We live in an impersonal world. Texts, emails, and automated voice prompts have virtually eliminated the personal side of communication. That\u2019s why it\u2019s important to keep the lines of communication open between your insurance agent and you. Drop by his office or just pick the phone and go over your policy with him when it\u2018s convenient for both of you. If he\u2019s interested in your business as a policyholder, he\u2019ll make time for you. Simply prepare your questions ahead of time so you\u2019ll know exactly what to ask and won\u2019t waste his time trying to remember everything on your list.<\/p>\n

It\u2019s really not that complicated. If you\u2019re driving an older car and it may not be worth a great deal, find out how much you can save if you raise the deductible or switch to only what the law in your state requires. The drawback to a higher deductible is, if you\u2019re keeping the car for sentimental reasons or it\u2019s the only car you can afford for the time being, you\u2019ll have to pay more out of pocket should you have an accident and file a claim. You should give careful thought to raising your deductible or lowering your coverage requirements before deciding. An accident could mean the complete loss of your car if you don\u2019t have the immediate funds available to fix it. A lot also depends on your past driving record. Previous accidents and tickets for moving violations, especially speeding, will help you decide the direction in which you should go. Although the ultimate decision is up to you, ask your insurance agent for his advice.<\/p>\n

Likewise, if you\u2019re planning on buying a new car, talk to your agent first if you aren\u2019t quite sure which one to choose. His information could aid you in picking the one that might cost you the least in regards to insurance. Bottom line is, by taking advantage of the various discounts for which you may qualify, such as the \u201cgood grades\u201d (for college students), multi-car, safe driver, distinguished driver (for older drivers with clean driving records), or simply combining your renters or homeowners policy with the same company as your car insurance, you\u2018ll save money. The more you share and communicate with your agent, the more he\u2019ll know you\u2019re expecting him to watch out for you, and the better chance you\u2019ll have to make him a friend\u2026and, not a foe. And, check that you\u2019re getting the best rate for your car insurance. Why not get a free car insurance quote<\/a> today?<\/p>\n

Is your car insurance agent a friend or a foe? Feel free to share your thoughts in the comments section below.<\/p>\n","protected":false},"excerpt":{"rendered":"

When it comes to your car insurance agent, is he a friend or a foe? In other words, aside from sending you a Christmas card every year, does he watch out for you? Does he make sure you\u2019re taking full advantage of all the discounts and benefits available to you from being insured by the […]<\/p>\n","protected":false},"author":1,"featured_media":18040,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[356],"tags":[283],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/posts\/18039"}],"collection":[{"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/comments?post=18039"}],"version-history":[{"count":1,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/posts\/18039\/revisions"}],"predecessor-version":[{"id":26366,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/posts\/18039\/revisions\/26366"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/media\/18040"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/media?parent=18039"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/categories?post=18039"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/tags?post=18039"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/importance?post=18039"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/blog\/wp-json\/wp\/v2\/type-content?post=18039"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}