WELL HAVING CAR INSURANCE IS NOT ONLY PRACTICAL.
IT IS THE LAW IN MOST CASES.
HOWEVER, GETTING INSURED WELL THAT'S NOT ALWAYS SO EASY.
AND SO TODAY WE ARE JOINED BY JULIET GARCIA FROM ACCEPTANCE INSURANCE AND SHE IS HERE
TO KICK OFF A FOUR PART SERIES DESIGNED TO EDUCATE US ON NON STANDARD CAR INSURANCE.
JULIET GOOD MORNING WELCOME TO THE SHOW.
THANK YOU VERY MUCH.
OK SO I KNOW THIS SOUNDS LIKE A NO BRAINER, BUT WHY DO WE NEED CAR INSURANCE?
WE NEED IT TO PROTECT OURSELVES, OUR FAMILIES, OUR CARS.
UMM, BUT IN MOST STATES IT IS ALSO THE LAW.
WHAT IS NON-STANDARD CAR INSURANCE?
NON-STANDARD CAR INSURANCE IS INSURANCE FOR PEOPLE THAT HAVE SOME DIFFICULTIES IN LIFE
AND THOSE DIFFICULTIES CAN RANGE FROM FINANCIAL TROUBLES, CREDIT TROUBLES, POOR DRIVING RECORD.
SO THERE ARE COMPANIES LIKE OURS, NON-STANDARD CAR INSURANCE COMPANIES THAT ARE SET UP SPECIFICALLY
TO SERVICE THOSE STRUGGLING CONSUMERS.
SO WHAT KINDS OF PEOPLE THEN NEED NON-STANDARD CAR INSURANCE?
BECAUSE LISTEN EVERYBODY HAS PROBABLY HAD A SPEEDING TICKET AT SOME POINT OR SOMETHING
LIKE THAT.
SO WHAT MAKES NON-STANDARD NECESSARY FOR CERTAIN PEOPLE?
IN CERTAIN CASES, YOU MAY HAVE STANDARD CAR INSURANCE.
YOU MAY BE INSURED AND GOING ALONG IN LIFE PERFECTLY FINE.
AND CERTAIN THINGS MAY HAPPEN.
JUST TO GIVE YOU A COUPLE OF EXAMPLES...
MHM.
...YOU MAY GET A DUI.
YOU MAY GET A SERIES OF SPEEDING TICKETS.
YOU MAY HAVE POOR CREDIT.
AND WHAT A LOT OF PEOPLE DON'T KNOW IS THAT SOME OF THOSE FACTORS ACTUALLY PLAY INTO EITHER
YOUR RATE OR WHETHER OR NOT YOUR CURRENT CARRIER WILL CONTINUE TO WRITE YOUR INSURANCE.
YOU KNOW WHAT I DIDN'T KNOW THAT CREDIT PLAYED A ROLE IN SOME INSURANCE COMPANY THAT IS INTERESTING
TO KNOW.
BUT SPEAKING OF INSURANCE COMPANIES, I HAVE TO TELL YOU.
EVERY TIME I TURN ON THE TELEVISION, I FEEL LIKE I AM BEING INUNDATED WIH CAR COMMERCIALS.
(LAUGHTER).
YOU ARE LAUGHING BECAUSE YOU KNOW IT'S TRUE THEY ARE ALL OVER THE PLACE.
SO WHAT MAKES ACCEPTANCE DIFFERENT FROM OTHER GUYS OUT THERE?
I AM LAUGHING BECAUSE IT IS TRUE.
I MEAN WE REALLY DO GET A BARRAGE OF MESSAGING FROM INSURANCE COMPANIES.
AT ACCEPTANCE INSURANCE WE REALLY FEEL THAT MAKING THE CUSTOMER THE PRIORITY IS NOT JUST
A SLOGAN FOR US.
AND IT PLAYS OUT IN HOW WE SERVICE OUR CUSTOMERS.
WE HAVE 368 NEIGHBORHOOD LOCATIONS.
WE ALSO OFFER SERVICES VIA OUR WEBSITE.
A MOBILE APP AND THEN WE HAVE A CALL CENTER AS WELL.
SO FOR US MAKING THE CUSTOMER A SORT OF CENTRAL AND LETTING THE CUSTOMER CHOOSE HOW HE OR
SHE WANTS TO BE SERVICED IS REALLY PART OF OUR FIBER.
I MEAN WE REALLY WANT THE CUSTOMER TO HAVE THAT CHOICE.
AND I SHOULD TELL YOU.
THESE DAYS, PEOPLE WANT CHOICE.
THEY WANT TO HAVE A CHOICE.
YOU KNOW IT'S CALLED NON-STANDARD INSURANCE AND IT'S FOR HIGHER RISK CUSTOMERS AS YOU
HAVE OUTLINED, BUT DOES THAT MEAN THAT IT IS GOING TO BE MORE EXPENSIVE THAN STANDARD
INSURANCE?
TYPICALLY NO...
OK.
...NOW SO PRICING IS VERY INTERESTING WITH CAR INSURANCE.
HOWEVER IN THE MARKETS THAT WE SERVE WE ARE VERY COMPETITIVE ON RATE.
AND ABSOLUTELY I WILL SAY THAT YOUR DRIVING RECORD AND YOUR PERSONAL SITUATION IS GOING
TO AFFECT YOUR RATE WITH ANY INSURANCE COMPANY.
WHERE ARE YOU LOCATED?
WE'RE HEADQUARTERED IN NASHVILLE.
NASHVILLE TENNESSEE.
YUP.
AND WE HAVE 368 OFFICES IN 12 STATES.
AND THEN WE ALSO HAVE AS I SAID OFFER SERVICES OVER THE WEB, MOBILE, AND IN OUR CALL CENTER.
NOW I UNDERSTAND THAT YOU ALSO OFFER MORE THAN JUST KIND OF THE NON-STANDARD CAR INSURANCE.
CORRECT.
WE OFFER ANCILLARY SERVICES AS I WOULD CALL THEM.
MOTORCYCLE INSURANCE CERTAINLY AND ALSO ROADSIDE ASSISTANCE, TOWING SERVICE AND THEN EVEN A
HEALTH CARE PACKAGE.
I HAVE TO TELL YOU.
GOOD TO KNOW.
YOU KNOW WE CAN DISCUSS THESE OPTIONS AND MORE FROM ACCEPTANCE INSURANCE WHEN YOU JOIN
US NEXT TIME BECAUSE I KNOW YOU ARE COMING BACK RIGHT?
ABSOLUTELY.
ALRIGHT.
THANK YOU SO MUCH.
GOOD TO MEET YOU.
YOU TOO.
THANKS SO MUCH FOR BEING HERE AND SHARING THIS INFORMATION...
THANK YOU VERY MUCH.
...WITH US TODAY.
AND IF YOU WOULD LIKE TO FIND OUT MORE ABOUT NON-STANDARD CAR INSURANCE YOU CAN SIMPLY
GO TO OUR WEBSITE THAT IS THE BALANCING ACT DOT COM AND JUST FOLLOW THE LINK.