WELL IN TODAY'S ECONOMY MAINTAINING OUR CAR INSURANCE POLICY.
WELL IT ISN'T ALWAYS EASY.
SIMPLE THINGS LIKE MISSING A PAYMENT OR EVEN GETTING A SPEEDING TICKET CAN MAKE YOU UNINSURABLE
TO SOME AGENCIES OR CAUSE YOUR PREMIUMS TO GO UP SIGNIFICANTLY.
SO WHAT CAN WE DO ABOUT IT?
WELL JULIET GARCIA FROM ACCEPTANCE AUTO INSURANCE IS BACK WITH US THIS MORNING FOR PART TWO
OF OUR SERIES WITH FINDING SOLUTIONS WHEN IT COMES TO CAR INSURANCE.
JULIET GOOD TO SEE YOU AGAIN.
SAME HERE DANIELLE.
I WANT TO START WITH THIS WHAT ARE SOME OF THE REASONS PEOPLE MAY FIND TROUBLE FINDING
THE RIGHT AUTO INSURANCE POLICY FOR THEM?
WELL A LOT OF LIFE EVENTS CAN HAPPEN AND THINGS LIKE SPEEDING TICKETS, WHICH YOU MENTIONED
EARLIER, DUI'S, EVEN ADDING A YOUNG DRIVER TO YOUR POLICY CAN CAUSE YOUR RATE TO GO UP
OR IT COULD CAUSE YOUR CARRIER TO DROP YOU ENTIRELY.
BUT WHEN THAT HAPPENS IT DOESN'T NECESSARILY MEAN YOU ARE UNINSURABLE YOU JUST KIND OF
NEED A DIFFERENT KIND OF CAR INSURANCE RIGHT?
YOU ARE ABSOLUTELY RIGHT.
COMPANIES LIKE OURS EXIST FOR THAT PURPOSE.
WE ARE A NON-STANDARD CAR INSURANCE CARRIER AND WE WRITE PEOPLE WHO HAVE DIFFICULT LIFE
EVENTS.
WHEN YOU ARE LOOKING FOR A POLICY WHETHER IT IS A NON-STANDARD POLICY OR NOT WHAT ARE
THREE MOST IMPORTANT THINGS THAT YOU SHOULD BE LOOKING FOR?
I THINK THAT THE THREE MOST IMPORTANT THINGS ARE KNOW WHAT YOU NEED AND KNOW WHAT YOU WANT
SO THAT WHEN YOU GO OUT TO SHOP RATE, YOU ARE COMPARING APPLES TO APPLES.
BE A SMART SHOPPER.
KNOW WHAT THINGS COST.
KNOW WHAT YOU ARE WILLING TO PAY AND REALLY KNOW WHAT YOUR BUDGET IS.
AND THEN WHEN YOU ULTIMATELY CHOOSE A COMPANY, I THINK IT IS SO IMPORTANT THAT DOES BUSINESS
JUST THE WAY YOU DO...
HMM.
...FOR ME I AM AN ELECTRONIC CONSUMER.
IF I NEVER TALKED TO ANOTHER LIVE PERSON AGAIN IN MY LIFE IT WILL BE OK.
AFTER SHE TALKS TO ME TODAY OF COURSE.
(LAUGHTER).
BUT YOU KNOW FOR ME I WANT TO DO THINGS ONLINE.
YEAH.
THERE ARE CUSTOMERS WHO REALLY ONLY WANT TO DEAL FACE TO FACE.
SO FIND A COMPANY THAT OFFERS A SERVICE CHANNEL THAT AGREES WITH WHAT YOU WANT AND HOW YOU
WANT TO BE SERVICED.
I THINK THAT IS GREAT ADVICE LET'S TALK A LITTLE BIT ABOUT RATES.
HOW DO YOU KNOW WHEN YOU FOUND THE RIGHT RATE?
BECAUSE THERE ARE SO MANY DIFFERENT COMPANIES AND POLICIES TO CHOOSE FROM.
WELL I DON'T THINK YOU NEVER REALLY ARRIVE.
I THINK IT IS MORE OF A JOURNEY...
OK.
...THAN A DESTINATION.
RIGHT.
BECAUSE YOUR RATE.
AND I THINK A LOT OF PEOPLE DON'T KNOW THIS.
YOUR RATE CAN CHANGE AT ANY TIME BASED ON A NUMBER OF FACTORS.
YOUR CARRIER COULD JUST INCREASE THEIR PRICES.
IT HAPPENS ALL THE TIME.
YOU COULD HAVE ONE OF THOSE LIFE EVENTS THAT WE SPOKE ABOUT AND SO YOUR RATE CAN FLUCTUATE
IN THE LIFETIME OF A POLICY.
AND SO GETTING BACK TO THOSE THREE MOST IMPORTANT THINGS REALLY DOES PAY TO SORT OF CONTINUE
TO BE INFORMED AND MAYBE EVEN IF YOU ARE NOT LOOKING JUST SORT OF CONTINUE TO SHOP AND
BE AWARE SO THAT YOU KNOW YOU ARE GETTING THE BEST RATE.
OH I TELL YOU.
IT'S ALWAYS GREAT TO BE A SAVVY SHOPPER.
SO TELL US A LITTLE MORE ABOUT YOUR INSURANCE COMPANY.
SO ACCEPTANCE AUTO INSURANCE EXISTS IN THE NON-STANDARD SPACE.
I MEAN WE WRITE PEOPLE AGAIN THAT HAVE THOSE SORT OF LIFE EVENT THINGS GOING ON.
WE HAVE OVER 700 LICENSED PROFESSIONALS.
WE HAVE.
SO GETTING BACK TO THAT WHOLE DOING BUSINESS THE WAY THE CONSUMER WANTS TO DO BUSINESS.
WE HAVE 368 BRICK AND MORTAR LOCATIONS IN NEIGHBORHOODS IN TWELVE STATES.
BUT WE ALSO WRITE INSURANCE IN THOSE TWELVE STATES ON THE WEB VIA MOBILE AND THEN WE HAVE
A CALL CENTER TOO FOR PEOPLE WHO LIKE TO TALK TO LIVE PEOPLE.
SO YOU HAVE ACTUAL STORES THEN THAT PEOPLE CAN GO INTO BECAUSE ONE OF THE THINGS YOU
SAID EARLIER, WHICH I THINK IS IMPORTANT FOR ME I LOVE TO SHOP ONLINE AND THAT'S REALLY
HOW I DO MOST OF MY BUSINESS.
NOT EVERYBODY IS THAT WAY.
THEY WANT TO PHYSICALLY BE ABLE TO GO INTO SOME PLACE AND ACTUALLY TALK TO SOMEBODY FACE
TO FACE.
THAT'S ABSOLUTELY RIGHT AND THAT IS WHY OUR AGENT CHANNEL, OUR LOCATIONS ARE SO CRITICAL
TO OUR BUSINESS BECAUSE AGAIN INSURANCE IS A TOUGH THING TO BUY.
YEAH.
IT'S A TOUGH THING TO UNDERSTAND AND SO SOMETIMES BEING FACE TO FACE WITH A COUNSELOR OR IF
YOU WILL MAKES THE PURCHASE A LOT EASIER.
GOOD TO KNOW.
GREAT INFORMATION THANK YOU SO MUCH FOR COMING BY AND SHARING IT WITH US GOOD TO SEE YOU
AGAIN.
YOU TOO DANIELLE.
MHM.
AND IF YOU WOULD LIKE TO LEARN MORE ABOUT NON-STANDARD CAR INSURANCE YOU CAN SIMPLY
GO TO OUR WEBSITE THAT IS THE BALANCINGACT DOT COM AND THEN JUST FOLLOW THE LINK.