Is your Car Insurance Agent the Devil?

Many people find out sooner or later that their car insurance agent is anything but honest and trustworthy. In fact, they find out that they are nothing short of the devil! What does this mean, you may ask? Simply put, car insurance agents are paid on commission. This means that whatever you spend on coverage they are going to get a percentage of it. Is the picture starting to become clearer? The more money that they can get you to spend, the more money they will make. In turn, the devil inside comes out when they are trying to sell you or upgrade a policy.

One of the most common ways for car insurance agents to make more money is to skimp on the discounts that you qualify for. By doing this they can force you into paying several hundred dollars more per year. Is that something that you are comfortable doing? Make sure that you clearly ask your agent for a list of discounts that they are offering you, as well as ones that you may qualify for in the future. By cutting out the amount of wiggle room that they have, you will be able to take the upper hand.

Many car insurance agents will also use scare tactics when speaking with customers. For instance, have you ever thought about increasing your deductible? You probably know that this can lower your premium by quite a bit. But if you try this move, your agent will more than likely tell you just how bad it will feel when you are stuck with a huge out of pocket bill if you happen to get into an accident. Most buyers get scared, and in turn stick with what they are doing. In the end, the agent makes more money. If your agent tries this, explain to them that it is your policy and you would like to make the change anyway.

If you can liken your car insurance agent to the devil, it is time to move on. Remember, there are still agents out there who are willing to earn your business without trying to scam you out of your hard earned money.