House and car: Do you take agents to treat the best? Current survey will be gaps quotes
The wave of the ongoing investigation, the assurance that the surface is not yet in October, if agents are sold to consumers more expensive car and home policy, so that the higher fees that they deserve.
Admittedly, the chances exist. People do not deal with insurance, so they are not rather ask the tough questions. Often not even remember what they pay even less time considering the prospect of change agent or insurers.
The regulatory authorities during the probe can not accept, if it is also a problem in the way insurance is sold to consumers.
One thing is clear, but it is worthwhile to shop around.
A sample of insurance for the car and even at home coverage of independent agents in Hartford Courant showing price differences quoted by the official varies as little as a few dollars over $ 1000
In addition, price differentials, sampling shows that differences in coverage and can not be done in the streets - changes heavily on the insurance buyer.
“This is not like buying a television,” said Joseph Lacher, Executive Vice President of St. Paul Travelers, heads, a private company to business customers. “There are many subtle differences may be supplemented by pieces of coverage.”
The trick is to order in the fine differences and yet the best price.
Since last fall, relations between the agents or brokers and insurers they represent, under intensive observation by the regulatory authorities and the criminal prosecution of officials across the country, including Connecticut.
At issue is how to affect these relations, what the customer pays for security assurance.
Until now, the emphasis is concrete and housing were laid on the sale of commercial insurance companies with large businesses and municipal clients.
Disputes civilians, including a deposit, two weeks ago by the Government Attorney General Richard Blumenthal, dealing with bonuses, commissions, say critics can motivate brokers and agents to monitor customers to ensure that it is not them the best deals. Blumenthal said he has evidence that management has happened in personal lines, but the Connecticut Insurance Susan Cogswell said the Commissioner, it has always only one complaint about the house and car coverage and does not at fault.
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