Posts Tagged ‘Neighbors’

How to choose an auto insurance broker – Part 3

April 7th, 2010

When choosing an insurance broker for your automobile insurance, you will find it helpful to find an agent that knows you and your family well. Also, you should know the agent well. It should be someone that is trustworthy and has a good business relationship with trusted individuals in your community.

If you are new to a community, ask your work associates who they use and why they use them. Also ask your fellow civic club members, neighbors, and church associates. You will probably find right away that there is one or two agents that the majority of people use. This is especially so if you live in a small town.

Go and meet the agent personally and ask him what he has to offer. Mention the people who recommended him so that you have some common point of reference.

A lot of insurance companies have big boasts about low premiums. But in the long run, a personal agent who knows you and your needs may be able to offer you the same options at an affordable, if not cheaper, rate.

It is good if your insurance agent is in the town where you live so that you can go and sit across the desk from him to review your policy periodically. But, with the technological advantages that we have now, that may not be necessary. However, you should feel free to pick up the phone and call your agent at any time. He or she must be assessable to you. If the agent always seems out of pocket and unable to speak to you directly about the mundane issues, then how can you be sure he will be there when you need him in a crisis?

When you find a good agent, keep him! Don’t jump here and there seeking something better. If you are struggling with your insurance premium, go talk to your agent. He may be able to offer you some advice that could save you some money or give you the additional coverage that you need.

The trust element is vitally important between you and your agent. If you see a policy advertised somewhere that is cheaper, take it to him and ask him if he can match it. He will probably tell you that there is a reason that it is cheaper. You should be able to respect his advice. If not, you could end up switching companies and find that the cheaper insurance doesn’t give the coverage that your previous policy offered. The sad thing is that you will probably not discover that until it is time to make a claim. Then it will be you who loses.

We have all heard the old saying that “you get what you pay for”. Well, automobile insurance is no exception. We would all be wise to have a personal agent who we know and respect to go over our policies with us carefully to make sure we have the coverage we need.

How to choose an auto body repair shop – Part 6

September 11th, 2009

Auto body repair shops are listed in the yellow pages by the hundreds! They all claim to give A+ work for a fair price. Some says they are the cheapest price in town. Trying to find who is really the on for you can be daunting, but with a little patience, and asking alot of questions, you can get the quality and price that is right for you.

The first thing I noticed when I was researching was that not all auto body repair shops are equal. Some specialize in classic restorations, some do “budget” quickie jobs, others focus on modern vehicles after accidents, yet they all claim they can do it all.

Your first step is to ask, ask and ask some more. I started with my regular mechanic, asking who they recommend. I asked people everywhere I went who gave my fender the “that poor beautiful truck” look. I asked my neighbors, the check-out lady at the grocery store, and parents at the soccer field. I even called people who I knew had work done over the years.

February Dawn

The questions I put to them included:

-how much did it cost?

-was it for a replacement or fixing the old part?

-did they finish on time?

-was your car returned in a clean condition?

-do they keep the car in a secure area after hours? During foul weather?

-after time, where you still satisfied with the result?

-if a problem came up, did they stand by their work and correct the problem without a fuss?

After all the quizzing, I actually only had two shops people referred to alot. Out of the hundreds, these two stood out as winners. I visited the shops, and even just standing in the lobby, I looked at the pictures on the walls of “projects” they had done. Most shops display their best work as badges of honor. Knowing that only the cream of the crop get displayed, I asked if I could see some repairs in progress, and they let me wander around the shop freely. That was a big clue that they are sure their work is flawless! Plus, while standing there, I openly listened while they spoke on the telephone to other clients, vendors, insurance carriers. How they were treating them gave me a clue on how I would be treated.

Once again, the questions! I asked all the previous to them, but expanded on the repairs they suggested for my truck. Why is repair better than replacing? What is the difference in cost, and expected quality? Is payment due by myself or will they file with insurance carrier? What happens if they are not able to do the repairs as they expect due to lack of parts available? Or if repairs are made but don’t look so well? If I have my car back for a month, six months, etc and the paint starts to bubble, or peel, what then? Do they offer me a ride home after drop off, at pick up?

I asked both shops the same questions, and really the final decider for me was the quality, and honesty I perceived in their answers. Being a girl trying to find the answers and respect in what is traditionally a “boys world”, I used every resource I could find to educate myself on the process. Since my repairs were done, I have been very pleased with my truck. My husband would have never known I crashed his fender on his truck if I hadn’t already told him!

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