Insurance Secrets Your Agent Wont Tell You

Insurance secrets. It is very rare that giving your personal loyalty to a large national insurer gives you any greater benefit. I used to be a big fan of specific insurance agency and what I discovered  was what became known as the “frog in a pot” attitude towards most of their existing clients. Steadily they would increase the rates for present customers in order to subsidizing attracting new client discounts (and paying out claims).

Insurance agents always know its better to offer discounts to a new customer vs. loyal customer.

If a patron complained “nicely we would tell them that there were more losses than we anticipated” became the standard response. “We’re not the only ones, everyone of our competitors are also increasing their rates”. But what I later found out was that was not necessarily the case at every insurance agency. I was hearing stories of 15-30 year Clients leaving due to the fact they were finding a 30–50% savings at some other place.  In short, the years of paying premiums and not submitting claims were not enough for the insurance organization to offer up any type of loyalty discount.

“In short, the years of paying premiums and not submitting claims were not enough for the insurance organization to offer up any type of loyalty discount.”

So, I do encourage you to test the water every few years however, I recommend you use an impartial insurance agent; one who can shop your policy to a few different providers. Their fee which they receive is typically paid for by the actual insurance company as a sort of “sales referral” and won’t impact your insurance premiums.

As a former auto insurance agent friend once told me that there is a sweet spot when they start to raise your rates. This tends to be around 36 months in your policy which means at just about the 3 year mark is when you will want to shop for a new carrier.

Sadly, loyalty no longer involves a better deal for most clients.

Car insurance businesses inside the U.S. offer a extensive range of coverages and it may be tough to recognise who can best meet your auto insurance needs. So to help you decide on a coverage that is right for you, we’ve created a list of over 50 insurance agencies to help you can make an knowledgeable decision that can instantly save you money.

DiscountDashCam.com’s List of Favorite Car Insurance Companies

Part of the Farmers Insurance Group of Companies®, with over 55 years’ experience in car insurance 21st Century Insurance has over 50,000 agents across the US. Learn More…
Acuity Insurance has been focused on providing the protection people need for over 90 years, with the help of eager and knowledgeable employees who are ready to clarify every detail of insurance. Learn More…
With multiple customer satisfaction awards and an A++ (superior) rating from A.M. Best Company, Amica Insurance is a company that you can trust. Learn More…
Anchor General Insurance, based in California, their 20 years of experience and flexible payment plans make them the obvious choice for high-risk drivers. Learn More…
Arrowhead Insurance was established in 1983, Arrowhead support a range of charities, provide bilingual services for their customers and offer a range of discounts. Learn More…

Aspire General Insurance specializes in providing insurance to non-standard, price-conscious customers without compromising on service. Learn More…

Auto Agency Plus specializes in non-standard coverage and attribute their success to their focus on excellent customer service, offering low down-payments and a range of payment options to suit your budget. Learn More…
With over 100 years of experience, California Casualty Auto Insurance has a 99% customer service satisfaction rating which speaks for itself. Learn More…
Clearcover Insurance has a modern approach to car insurance, they are a fast-growing and innovative company using advanced technology to make sure that you get the right coverage for you. Learn More…
Commonwealth Casualty Auto Insurance is a modern insurance company, they can tailor your policy to suit you whether you have a clean record or have a few tickets. Learn More…
Dairyland Auto Insurance is a subsidiary of Sentry insurance, who can boast over 100 years in the business, specializing in non-standard insurance. Learn More…
Since opening their first office in 1987, Dashers Insurance now has more than 25 locations across California with both Spanish and English representatives. Learn More…
Dillo Insurance policies are underwritten by Empower Insurance and Alinsco Insurance, combining experienced underwriting and great customer service. Learn More…
Founded in 1992 and specializing in non-standard auto insurance, Direct General Auto Insurance has over 380 storefronts across the US and over 2,000 employees. Learn More…
Elephant Auto Insurance is part of Admiral Group plc, which boasts 11 brands across Europe and the United States, they’re also fully accredited by the Better Business Bureau. Learn More…
Empower Auto Insurance has more than 2,000 independent in agents in Texas and are backed by Alinsco’s financial strength for more than 40 years. Learn More…
Part of the Allstate Corporation, Encompass Insurance has more than 120 years’ experience in the industry, ensuring that they offer their customers “protection and security”. Learn More…
First American Insurance can insure your belongings with a Renters policy to make sure that your possessions are covered, whether you’re renting a trailer or a mansion. Learn More…
Approaching their 100-year anniversary, First Chicago Insurance aims to make doing business with them as easy as possible, offering 24/7 claims and good old-fashioned customer service. Learn More…
Part of Farmers Insurance Group, Foremost Insurance Group has been in business for more than 40 years with more than 38,000 agents across the US ready to help. Learn More…
With over 15 years of experience in auto insurance, all of Freedom National Auto Insurance services are available in Spanish and you can manage your policy online 24/7. Learn More…
Gainsco Auto Insurance specializes in minimum limits insurance, offering basic coverage with superior service for over 35 years. Learn More…
GoAuto Insurance is a low cost, state minimum insurance, get just what you need to stay legal on the road without any expensive added extras. Learn More…
Good2Go Auto Insurance is an Atlanta-based with over 25 years’ experience in auto insurance, their mascot, MiniMo is named after their specialization in minimum coverage. Learn More…
Established in 1990, Hallmark Specialty Personal Lines has a reputation of great customer service with an A+ rating from the Better Business Bureau. Learn More…
Their home State is Texas, so they know what Texans really need in their car insurance policies: great coverage at a low price is synonymous with Home State County Mutual Insurance. Learn More…
Horace Mann Insurance was founded by educators for educators, they understand that teachers need specialized coverage without the added paperwork. Learn More…
With over 12,500 agents to help you when you need it most, Infinity Auto Insurance ranks among the top 50 property and casualty insurance companies in the US. Learn More…
Jupiter Auto Insurance calls customer service is their trademark, with a small team of trained professionals dedicated to doing their best for you. Learn More…
Kemper Auto Insurance employs more than 6,000 associates and offer 24/7 claims reporting; they even send you text reminders so that you don’t miss a payment. Learn More…
Liberty Mutual Insurance was founded in 1912, their claims representatives are available 24/7. They also have local offices in 41 states as well as a free app to manage your policy. Learn More…
With over 10 years experience offering insurance to Texans, Lonestar MGA Insurance doesn’t use your credit score when determining your premium. Learn More…
Mapfre Insurance operates in over 40 countries across the world and offer bilingual staff here in the US, as well as 24/7 claims handling. Learn More…
Voted one of America’s most trustworthy companies by Forbes, Mercury Insurance has over 50 years’ experience and employ over 4,500 people. Learn More…
With almost 150 years’ experience in the insurance industry, MetLife Auto is one of the US’ largest carriers with more than 10,000 employees. Learn More…
MetroMile is perfect for city-dwellers or infrequent drivers, their mileage-based coverage means you only pay for what you use. Learn More…
Founded in 1939, National General Auto Insurance is headquartered in North Carolina and has grown to be one of the largest automobile insurers in the US. Learn More…
Based in New York City, NYCM Insurance has 24-hour helplines which cement them as a real advocate for the customer; you can even access your information online or via their free app. Learn More…
Occidental Insurance has more than 55 years of experience in the insurance business. They cover a range of drivers, whether you have a perfect record or have picked up a couple of tickets, Occidental Insurance provides competitive insurance prices for most drivers. Learn More…
With over 120 years of experience, it’s no wonder why they are one of Ohio’s leading car insurance companies is Ohio Mutual Auto. Find out why they hold an A+ from the BBB by starting a quote comparison today. Learn More…
Plymouth Rock was set up in 1981, they’re part of the Plymouth Rock Group of Companies, which writes and manages over $1 billion in premiums. Learn More…
Pronto Auto Insurance have fully bilingual claims representatives and multiple locations throughout Texas, as well as financial backing from American County Mutual. Learn More…
Quilt Insurance, a modern approach to renters insurance, they are largely online based so that you can get instant access to your documents and full transparency. Learn More…
Based in the New England region with more than 500 independent agents, Quincy Mutual Group has the financial security and excellent service that sets them apart from other insurers. Learn More…
SafeAuto Insurance, One of the largest privately owned auto insurers in the US, has have over 20 years’ experience offering high risk drivers’ insurance. Learn More…
Say Insurance is a modern take on car insurance, their parent company Shelter Insurance has more than 70 years’ experience in the insurance industry. Learn More…
Founded in 1900, SECURA now employs more than 600 staff across their three locations. Their insurance coverage comes in a range of packages. Learn More…
State Auto Insurance is a company with over 100 years of experience in the business. You can bundle your home and auto insurance, with the option to add additional coverage for your cell phone and even your golf cart. Learn More…
Offering bundled auto and home insurance to customers across all 50 states, Stillwater Insurance’s reputation for excellent customer service precedes them. Learn More…
With over 30 years of experience, Sun Coast General Insurance offers a range of coverages from the basics through to all the bells and whistles, specializing in non-standard coverage. Learn More…
Based in Nashville, Tennessee and with over 50 years’ experience The General Auto Insurance specialized in high risk drivers using their customized rating process. Learn More…
Founded in 1981, Topa Insurance is based in Calabasas, California offering policies that are serviced by Multi-state Insurance. Learn More…
Trust in Tower Hill Insurance for all your Florida Insurance needs. With over 45 years in the business and an A+ rating on the BBB, they won’t let you down. Learn More…
Travelers is a big name in the insurance industry, you can take advantage of 24/7 customer support and over 150 years of experience in the business. Learn More…
With over 30 years’ experience, TSC>Direct Auto Insurance is by New Yorkers for New Yorkers; they know that the big city shouldn’t mean big prices. Learn More…
United Security Auto Insurance received an A+ rating from the Better Business Bureau and over 45 years’ experience in insurance, they are a sister company to First Chicago Insurance. Learn More…
For over 65 years, Workmen’s Auto Insurance has provided California drivers with competitively-priced automobile insurance, featuring a range of coverage options and multiple ways to pay. Learn More…

// Discount Dash Cam

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