What do you prefer on Discount Auto Insurance: Service or Price
The things that a consumer will spend money on are entirely up to them. Whether you want to pay $500 on a bag or $220 on a pair of jeans is entirely up to you. That might be one of the reasons you want to cut corners on your insurance and who can blame you. Just be prepared to compromise in the service department if you're looking to compromise on the price.
Usually, when you talk about getting a discount on something you're talking about saving money but bringing on some frustration as well. The question is why would you possible be frustrated about a discount. Maybe because the discount you want is on your auto insurance and the service could possibly be poor. Times are tough right now and most families are on a tight budget but are you looking at a slow claims process after getting in an accident with the insurance company taking forever to process your claim. No one wants to wait on hold for 30 minutes just to speak with a claims representative or any representative for that matter. Some discount auto insurance companies have certain hours that they are open. So that rules out calling to get that cheaper rate when you get off of work.
But don't let this scare you from going with that cheaper discount auto rate. Even though some companies do offer discount prices on auto insurance their standards for customer service are still high. Not every insurance company will compromise on service. What some will do is only offer consultation over the phone like GEICO and we all know them to be in the top of their class. They save money by taking the field agents out of the picture and giving you a 1-800 number to call.
Not only that but you should do your research. You can get the better price if you keep your credit in good standing. Whether you know it or not insurance companies want to look at your credit history. The studies have shown them that people who tend to have better credit, have a better brain, that influences them to drive better making them one the insurance companies better drivers. Now that's not to put those down that have bad credit or an occasional hiccup on there driving record. That is to encourage those credit challenged people to simply do better because it could affect your premium in New York.
One very effective thing you can do if your steering more towards price versus service is to raise your deductible. By keeping your deductible low you were giving your self a higher premium. If you raise your deductible you have the chance at saving yourself some money on the total premium. It doesn't really matter which way you go on discount auto insurance: service versus the price, always do your homework. Get online and compare rates and look up information on the insurance company. After all, they're probably looking up yours.