Big Fat Lie #1 - Online Auto Insurance Is Cheaper |
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Terry Schierer
6 April 2008
You have been lied to! Buying your auto insurance online is not the cheapest way to buy car insurance, as a matter of fact it's one of the most expensive ways to buy your auto policy.
The big insurance companies don't want you reading this. They're making a huge bundle selling high priced auto insurance online.
The reason they are so successful is because we as a society have come to equate fast with best and this is far from the truth. The big car insurance companies have done a great job at pushing "fast". If you go to any of their web sites, you will notice "Fast Quote", "Get your insurance now" plastered all over the opening web page.
Nowhere will you see Lowest quote because the lowest quotes can only be given out by the local agents. They are the only ones that have the authority to lower rates.
The online insurance quote sites are nothing more than computer based. What this means is that a computer can only give out what's in it's hard drive, and believe me they don't put a low quote in the hard drive. Just how long do you think it would take for some bright programmer to figure out how to access that low rate? Probably not any longer than it's taking you to read this article.
Can you imagine what would happen to those big insurance companies if everyone on the internet new how to access that low rate. Some "Guru" would be selling a program for all to use in a matter of minutes.
The only way to get that low quote is from a local insurance agent and then only if he knows he's competing against another agent. Call up your local agent and you'll get the same quote as every one else. Local insurance agents are there to make money and they won't give out that low rate unless their forced to.
The only way to get that low rate is through the agent himself, not his secretary or anyone else on his staff. That's the agent profit he's cutting so he's the only one who can cut that rate.
The ideal way to get that low, low quote is too go online, fill out just one form and have it emailed to five or six of the hungriest and sharpest local agents in your area. When they receive your request for a quote they will automatically know that their best competition also received the same quote request.
This puts those local agents in a competitive mode, ready to cut rates and do what ever it takes to get your business. When local agents compete for your business, You Win!