In this eye-opening video, we dive deep into a real-life insurance scenario that highlights the importance of understanding your policy coverages. Our experienced insurance professionals share a striking case study involving two clients who meticulously shopped for insurance quotes with an unnamed carrier. What seemed like a promising deal took an unexpected turn when they received the quotes and compared them to their existing coverage.
As you’ll discover, these clients were thorough and knew exactly what coverages they wanted, yet the quotes they received didn’t align with their expectations. Join us as we unravel the story of how critical details were overlooked, such as shifting from broad to standard collision, altering comprehensive deductibles, and even making significant changes to bodily injury limits. The result? A policy that fell far short of what they had in place. Stay tuned to learn why the seemingly minor price difference was just the tip of the iceberg in this revealing case study. It’s a powerful reminder that it’s not just about the price; it’s about understanding the coverage you’re truly getting.
Our owner and founder, Pat Brennan, explains more. Check out the video below!
Is Your Insurance Quote Price Too Good To Be True? – Entrust Insurance, St. Clair Shores
Video Transcription
“We had two clients in particular that were very sharp people and when they shopped the quote through an unnamed carrier, but they read off line by line what coverages they wanted. So when the agent or the producer that sent that quote over the client assumed that was what they were getting, when they forwarded that quote to us, almost immediately, I was able to pick out three out of four coverage points that were lower or worse than what they had with us. They had changed from standard to broad, or I’m sorry, from broad to standard collision, the had to increase the comprehensive deductible, they waived the PIP coverage now that my client in particular had unlimited injury protection. The other agent quoted them with none whatsoever. And then they also decreased the bodily injury limit on there. So the quote that they presented to my client was in no way shape or form equal to what they had. And in many ways it was at complete minimums. In comparison, the price was marginally better wasn’t significantly better. I think if I remember right, it was maybe 30 or $40 lower every six months, so we’re talking less than $100 in savings. But the alarming thing is that the client said I want A, B, and C. The other agent showed them X, Y, and Z.”
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