Tips and Advice,

Be nice, considerate and courteous to your insurance agent

Believe it or not being nice, considerate and courteous to your agent can possibly help you lower your rates and maintain your policy. In many agencies across the country, agents have their favorite clients. Here are some examples of what the favorite clients do and don’t do:

  1. Never yell or speak disrespectful to the staff.
    2. Be very patient and understanding. Nobody is perfect, including agents and companies.
    3. Make their payments on time. And if they are late, they will call the agency for assistance.
    4. They never say, “I pay your salary”.
    5. Never go over my head to home office unless totally necessary.
    6. Refer their friends and family.
    7. Only call when necessary. Lazy clients will call for monthly billing information (known to lose their billing statement regularly), finance company problems (they will tell the agent to mail a copy of their policy to the finance company, even though they have a copy themselves). Transportation problems (client will cause their license and registration to be suspended), assuming it are the agent’s problem. Most agencies will help their clients with these types of services. Just remember to be nice!

 Now, you’re thinking so what can an agent do to help my rates. For starters, get informed with Some other examples are:

  • Informing you of new programs and companies. Large agencies can have thousands of clients. Being a good client might help you learn of new programs early.
  • Going the extra mile in underwriting and claims problems. Agents do not have to get involved in claims and underwriting. A good word from a large agency producing revenues can go along ways with some companies.
  • Stay late in the office to help clients. There have been many times where Young America insurance extended office hours for certain clients. Few agents would work late and sacrifice family time for a rude and irate client.
  • Accepting late payments and requesting reinstatement of canceled policies. Some companies do not force agents to reinstate a client’s policy if canceled for late payments.
  • Many agents do have the ability to not reinstate a client.
  • For independent agents and brokers, they do not have to quote you with companies with lower rates at renewal time. For example, suppose a client received a chargeable accident or a moving violation that caused their premiums to increase. The agent or broker might have a cheaper company, but decides not to place a client with the company. Maybe the client often yells and is rude to the staff.

Customers have to remember that some independent agencies represent companies that other agents in the same area do not. Some agencies have exclusive contracts. That means an agency agrees to give a specific company most of their business in return to not appoint other agencies in their area.

So, keep in mind your agent might have the best rates in the area. Mistreating them could cost you in the long term. These are just a few ways that an agent can help you or not. Remember, it’s harder to get a good premium and company, than it is to be nice.

Split Coverage

Young America car insurance use this strategy with young drivers, drivers without prior insurance, and drivers with bad driving records. Contrary to popular belief, many companies are profitable just writing policies insuring cars physically. There are only few companies that just do property damage, and 99{d10cb8a3b2b1693aa77b91228da3b99d685d8b7a6e79521ff44c38a7b1ab5005} of the time; their property damage rates are cheaper for drivers with adverse driving records. So, if a client is willing to split their policy by getting liability coverage with one company, and property damage with another, they can possibly save some money.

Another advantage of splitting your policy is that you will get two bills, from two different companies, at two different times of the month. One problem for many clients is high monthly payments. Sometimes clients cannot pay a large insurance payment all at once. Insurers don’t like partial payments. If a company bills you for $200, they want $200, paid in full, in one payment. With a split policy, a client can pay $100 on one policy one week and pay $100 on a different policy two weeks later, when they get their next paycheck.

Additionally, with a split policy a client can decide, during difficult financial times, which policy to keep. This would give them the opportunity of dropping just one policy and having partial coverage. Sometimes having partial coverage is better than no coverage at all.

In tough financial times, many of us have to decide whether to drive without insurance or not to drive to our jobs. The split coverage strategy can help by, at least, giving you an option.

Group Auto Insurance
Many large corporations, unions, and associations have made group
auto insurance available to their employees/members. This is a great benefit
for many reasons.


Under payroll deducted auto insurance programs, an employee will not have to pay a large down payment. Payroll deducted plans will take the annual premium and divide the premium by the number of pay periods in a year. For example, if the annual premium is $1,850 a year for full coverage, this is how it would work out:

52 weekly pay periods = $1850/52= $35.61 per pay period
26 bi-weekly pay periods = $1850/26= $71.15 per pay period
24 twice-monthly pay periods = $1850/24= $77.00 per pay period One of the many obstacles with expensive auto insurance is a high down payment. Under a payroll deduction plan, there is no down payment car insurance. An employee would start with one deduction and probably be covered before the deduction was made.

Most group programs will offer the same discounts as the retail insurance programs, like multi-car, anti-theft, etc. Many will also offer discounted rates up to 40{d10cb8a3b2b1693aa77b91228da3b99d685d8b7a6e79521ff44c38a7b1ab5005} of retail premiums.

If the company uses a cafeteria plan, the employee can pay their auto insurance premiums with pretax dollars. This will lower their take-home pay and their tax liability. The following is one scenario where the payroll deducted group plan can help you save money.
An employee and spouse own two, late model cars and a home. They both work for companies that offer good benefits. The wife’s job offers group auto insurance coverage; however, the husband’s job does not. The couple decides the husband will carry the health insurance coverage and the wife will carry the group auto insurance coverage. In addition, the couple decides to include the homeowner’s insurance with the payroll-deducted company. It might look something like this:
Two cars at a premium of $2,000/ year
Minus multi-car discount of 10{d10cb8a3b2b1693aa77b91228da3b99d685d8b7a6e79521ff44c38a7b1ab5005} ($200)
Minus Homeowner’s discount 10{d10cb8a3b2b1693aa77b91228da3b99d685d8b7a6e79521ff44c38a7b1ab5005} ($200)
Equals an annual total premium of $1600/year

At a 20{d10cb8a3b2b1693aa77b91228da3b99d685d8b7a6e79521ff44c38a7b1ab5005} tax rate, that would give them a tax savings of a couple of hundred dollars a year!


By participating in Young America insurance, you will also save money because you will not need to pay application fees or installment fees, and you will avoid ever having to worry about late fees or postage. In addition, by paying through a payroll deduction, you have the added security of knowing premiums are paid on time.

Unfortunately, many corporate employee benefit departments do not see the value of the group auto and homeowner’s insurance programs. These programs can save the employees possibly hundreds of dollars a year and give the employee peace of mind.

In an area like Texas,auto insurance premiums for two, late model vehicles could easily cost over $4,000 per year. The down payment can be as high as $720. This could make the monthly payments unaffordable and could create a barrier to obtaining auto insurance coverage. Don’t you agree that $154 down and $154 per month are easier to manage for an individual or family? Even better the new plan, Young America insurance offer $20 down payment car insurance plan, you can opt for just in case you have a good driving record, among other positive details.

We hope that some employee benefit managers will read this and decide to offer this plan to their employees. If not, we would hope they would share this article to their employees to help them low down payment car insurance.

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