WELL IN TODAY’S ECONOMY MAINTAINING OUR CAR
INSURANCE POLICY. WELL IT ISN’T ALWAYS EASY. SIMPLE THINGS LIKE MISSING A PAYMENT OR EVEN
GETTING A SPEEDING TICKET CAN MAKE YOU UNINSURABLE TO SOME AGENCIES OR CAUSE YOUR PREMIUMS TO
GO UP SIGNIFICANTLY. SO WHAT CAN WE DO ABOUT IT? WELL JULIET GARCIA FROM ACCEPTANCE AUTO
INSURANCE IS BACK WITH US THIS MORNING FOR PART TWO OF OUR SERIES WITH FINDING SOLUTIONS
WHEN IT COMES TO CAR INSURANCE. JULIET GOOD TO SEE YOU AGAIN.
SAME HERE DANIELLE. I WANT TO START WITH THIS WHAT ARE SOME OF
THE REASONS PEOPLE MAY FIND TROUBLE FINDING THE RIGHT AUTO INSURANCE POLICY FOR THEM?
WELL A LOT OF LIFE EVENTS CAN HAPPEN AND THINGS LIKE SPEEDING TICKETS, WHICH YOU MENTIONED
EARLIER, DUI’S, EVEN ADDING A YOUNG DRIVER TO YOUR POLICY CAN CAUSE YOUR RATE TO GO UP
OR IT COULD CAUSE YOUR CARRIER TO DROP YOU ENTIRELY.
BUT WHEN THAT HAPPENS IT DOESN’T NECESSARILY MEAN YOU ARE UNINSURABLE YOU JUST KIND OF
NEED A DIFFERENT KIND OF CAR INSURANCE RIGHT? YOU ARE ABSOLUTELY RIGHT. COMPANIES LIKE OURS
EXIST FOR THAT PURPOSE. WE ARE A NON-STANDARD CAR INSURANCE CARRIER AND WE WRITE PEOPLE
WHO HAVE DIFFICULT LIFE EVENTS. WHEN YOU ARE LOOKING FOR A POLICY WHETHER
IT IS A NON-STANDARD POLICY OR NOT WHAT ARE THREE MOST IMPORTANT THINGS THAT YOU SHOULD
BE LOOKING FOR? I THINK THAT THE THREE MOST IMPORTANT THINGS
ARE KNOW WHAT YOU NEED AND KNOW WHAT YOU WANT SO THAT WHEN YOU GO OUT TO SHOP RATE, YOU
ARE COMPARING APPLES TO APPLES. BE A SMART SHOPPER. KNOW WHAT THINGS COST. KNOW WHAT
YOU ARE WILLING TO PAY AND REALLY KNOW WHAT YOUR BUDGET IS. AND THEN WHEN YOU ULTIMATELY
CHOOSE A COMPANY, I THINK IT IS SO IMPORTANT THAT DOES BUSINESS JUST THE WAY YOU DO…
HMM. …FOR ME I AM AN ELECTRONIC CONSUMER. IF
I NEVER TALKED TO ANOTHER LIVE PERSON AGAIN IN MY LIFE IT WILL BE OK.
AFTER SHE TALKS TO ME TODAY OF COURSE. (LAUGHTER).
BUT YOU KNOW FOR ME I WANT TO DO THINGS ONLINE. YEAH.
THERE ARE CUSTOMERS WHO REALLY ONLY WANT TO DEAL FACE TO FACE. SO FIND A COMPANY THAT
OFFERS A SERVICE CHANNEL THAT AGREES WITH WHAT YOU WANT AND HOW YOU WANT TO BE SERVICED.
I THINK THAT IS GREAT ADVICE LET’S TALK A LITTLE BIT ABOUT RATES. HOW DO YOU KNOW WHEN
YOU FOUND THE RIGHT RATE? BECAUSE THERE ARE SO MANY DIFFERENT COMPANIES AND POLICIES TO
CHOOSE FROM. WELL I DON’T THINK YOU NEVER REALLY ARRIVE.
I THINK IT IS MORE OF A JOURNEY… OK.
…THAN A DESTINATION. RIGHT. RIGHT.
BECAUSE YOUR RATE. AND I THINK A LOT OF PEOPLE DON’T KNOW THIS. YOUR RATE CAN CHANGE AT ANY
TIME BASED ON A NUMBER OF FACTORS. YOUR CARRIER COULD JUST INCREASE THEIR PRICES. IT HAPPENS
ALL THE TIME. YOU COULD HAVE ONE OF THOSE LIFE EVENTS THAT WE SPOKE ABOUT AND SO YOUR
RATE CAN FLUCTUATE IN THE LIFETIME OF A POLICY. AND SO GETTING BACK TO THOSE THREE MOST IMPORTANT
THINGS REALLY DOES PAY TO SORT OF CONTINUE TO BE INFORMED AND MAYBE EVEN IF YOU ARE NOT
LOOKING JUST SORT OF CONTINUE TO SHOP AND BE AWARE SO THAT YOU KNOW YOU ARE GETTING
THE BEST RATE. OH I TELL YOU. IT’S ALWAYS GREAT TO BE A SAVVY
SHOPPER. SO TELL US A LITTLE MORE ABOUT YOUR INSURANCE COMPANY.
SO ACCEPTANCE AUTO INSURANCE EXISTS IN THE NON-STANDARD SPACE. I MEAN WE WRITE PEOPLE
AGAIN THAT HAVE THOSE SORT OF LIFE EVENT THINGS GOING ON. WE HAVE OVER 700 LICENSED PROFESSIONALS.
WE HAVE. SO GETTING BACK TO THAT WHOLE DOING BUSINESS THE WAY THE CONSUMER WANTS TO DO
BUSINESS. WE HAVE 368 BRICK AND MORTAR LOCATIONS IN NEIGHBORHOODS IN TWELVE STATES. BUT WE
ALSO WRITE INSURANCE IN THOSE TWELVE STATES ON THE WEB VIA MOBILE AND THEN WE HAVE A CALL
CENTER TOO FOR PEOPLE WHO LIKE TO TALK TO LIVE PEOPLE.
SO YOU HAVE ACTUAL STORES THEN THAT PEOPLE CAN GO INTO BECAUSE ONE OF THE THINGS YOU
SAID EARLIER, WHICH I THINK IS IMPORTANT FOR ME I LOVE TO SHOP ONLINE AND THAT’S REALLY
HOW I DO MOST OF MY BUSINESS. NOT EVERYBODY IS THAT WAY. THEY WANT TO PHYSICALLY BE ABLE
TO GO INTO SOME PLACE AND ACTUALLY TALK TO SOMEBODY FACE TO FACE.
THAT’S ABSOLUTELY RIGHT AND THAT IS WHY OUR AGENT CHANNEL, OUR LOCATIONS ARE SO CRITICAL
TO OUR BUSINESS BECAUSE AGAIN INSURANCE IS A TOUGH THING TO BUY.
YEAH. IT’S A TOUGH THING TO UNDERSTAND AND SO SOMETIMES
BEING FACE TO FACE WITH A COUNSELOR OR IF YOU WILL MAKES THE PURCHASE A LOT EASIER.
GOOD TO KNOW. GREAT INFORMATION THANK YOU SO MUCH FOR COMING BY AND SHARING IT WITH
US GOOD TO SEE YOU AGAIN. YOU TOO DANIELLE.
MHM. AND IF YOU WOULD LIKE TO LEARN MORE ABOUT NON-STANDARD CAR INSURANCE YOU CAN SIMPLY
GO TO OUR WEBSITE THAT IS THE BALANCINGACT DOT COM AND THEN JUST FOLLOW THE LINK.