A little note regarding car insurance for ALL:
If you are with one of these independents a couple of things you must ask and NOT DO!!
You should not have to pay a brokers fee each time you renew your policy. You may have to pay this fee when you first sign with the company.
You should not have to pay a policy fee each time your policy changes such as adding a car or removing one to replace the other.
These are fees that independents and some big boys charge you to put a few extra dollars in their pockets. This is perfectly legal and most people keep paying it over and over like my buddy has been doing.
He just bought a car from me and we were sitting waiting for the proof of insurance to be faxed, when it came across the fax with the new car added so did these fees:
Broker fee: $75.00
Change in policy fee:$125.00
Heres the best one,
Paperwork and transaction fee:$20.00 LMFAO
I looked at his policy and the fees and asked him how long he's been paying these fees? He told me every six months he pays the broker and the new policy fee...........WTF!!
If you sign a policy with a company the only thing you should be paying each renewel is the premium.
Anyhoo, I hooked him up with my guy and he was actually paying $250.00 more then he should have been paying each six months.
Car insurance is a necessary evil that we must all have and there are alot of SNAKES out there in the business that prey on people that are not to eduacted.
Ask questions about your policy and make sure you are only paying for what you need.
If you have a car that offers free roadside assitance.......you don't need to be paying for towing in your policy.
Just thought this would help some of you out there
