Are you thinking about changing your insurance services in Massachusetts? If you are, you aren’t alone. With all of the new ways to get an auto insurance quote from national companies and consumers being bombarded with insurance commercials on television non-stop, it’s hard not to wonder if you are getting the best rate for your automobile insurance in Fall River or not. Sometimes people stick with the same broker for so long that they don’t even think to check out other options. Then again, there is some truth to the saying that the grass isn’t always greener on the other side of the fence. Sometimes when you get a super low rate you also lose out on some of the protections that you got with your old company.
F&T Insurance Agency Agency is Different
One of the best parts about working with an independent insurance agency like F&T Insurance Agency is that you aren’t stuck with just one option for automobile insurance. As an independent insurance agency, it is possible to provide clients with lots of great options that can be used to create a side by side comparison of all the features, costs, terms and coverage to ensure that you aren’t just getting a great price, but great protection as well.
When it comes time to renew your auto insurance with F&T Insurance Agency services in Massachusetts, you can work with your agent to ensure that you still have the best price for the amount of coverage that you desire. A brand new auto insurance quote and some additional information through your independent insurance agency, can help allay any fears that you might have about over-paying or being under-protected with your coverage.
Making the Change to F&T Insurance Agency
If you are thinking about switching your automobile insurance in Fall River or anywhere in the Southeastern Massachusetts area to F, there are some things you need to know. While your agent will take care of all the details for you, it is important to understand what is required when you make the change. This is especially true for clients who have been with the same agency for many years. If you haven’t made a switch in a long time, the process will definitely be new territory.
Step One – Ask About the Options
Before you decide on one of our policies from your free auto insurance quote, be sure to speak with an agent to make sure you have considered all of the available options. Most policies are six month or one year policies, but it’s a good idea to take a look at the different types of policies available through F&T Insurance Agency services in Massachusetts to make sure you understand what you will be getting.
Questions to ask include:
- What is the contract rate and what is the monthly payment?
- How much liability, bodily injury and uninsured motorist protection is included?
- What is covered – and what isn’t in the policy?
- When will the contract start and when will it end?
- What date are your monthly payments due and how much do you need to put down to start the brand new policy?
Step Two – Contact Your Old Insurance Company
Once you officially decide to take the plunge and get your auto insurance policy through the independent insurance agency at FF&T Insurance Agency, make sure to contact your current company and let them know about your plans to make a change. They will likely suggest a counter-offer to get you to stay on, especially if you have been a good customer over a period of many years. Make sure you are comparing apples to apples and that any price quoted to you also provides you with the same coverage for automobile insurance in Fall River that you will be getting with F&T Insurance Agency.
Make sure to also ask about:
- Are there any penalties for canceling service before the end of the contract?
- When can I cancel my existing policy and not be charged a penalty or fee?
- Do I owe any balance for my existing policy before I close out my account?
Step Three – Make Sure Coverage is Consistent
You do not want there to be any gap in your automobile insurance in Fall River or the surrounding area – not even by a day. When you get your auto insurance quote from F&T Insurance Agency services in Massachusetts, make sure to have them start your insurance on the same day that your existing insurance account will be closing down. This will prevent you from having any type of gap in your insurance, which can actually go against you the next time you decide to shop around for auto insurance.
Step Four – Make a Fully Informed Decision
Before you switch anything, you should make a fully informed decision. As an independent insurance agency, the agents at F&T Insurance Agency can help you find all of the answers you need to know. Check out the new company thoroughly and made sure to double-check that your old policy got canceled, if indeed you make the change. These steps will help you to make a smooth transition one company and one step at a time.
To find out more about F&T Insurance Agency, contact our local office for automobile insurance in Fall River, New Bedford, Dartmouth and the surrounding area. You can reach us via phone by calling 774-319-5656 or by visiting our Westport, MA location on State Road. Auto, home, business and much more, you can get all of the coverage you required at F&T Insurance Agency, your independent insurance agency in Southeastern Massachusetts.